Working with us
Our approach with every client is a simple conversation. We want to know what’s important to you and what you want to achieve. Our purpose is to provide advice that suits you and to eliminate the risk of you making rushed and/or ill-informed decisions. To this end we have a pretty simple 5 step process.
- Initial Chat
- Strategy Meeting
- Financial Plan
This is where we get to decide if we like each other or not. If we do, then there is a better than average chance that we can work together. If not, then we can happily go our separate ways. It is a two way conversation without any financial jargon/lingo/ or rotten acronyms. There are no forms or questionnaires for you to fill out, and no arduous information gathering before seeing us. Over the years our clients have found this approach to be most valuable and relaxing.
This is where the fun begins!
Now, based on our conversations in our last meeting, we will put together a complete financial plan for you. This will cover anything and everything that you will ever need to refer to – including discussions on:
- Where you are now
- Your tolerance for risk
- What you want to achieve
- Your strategy in detail
- Product recommendations
- Investment manager recommendations
- Asset allocation
- Consequences for any changes to products
- Outcomes of our recommendations
- Alternative Strategies that we considered and the reasons we discounted them
- Any associated costs – both direct and indirect
- And, as they say in the classics, much much more!
At this point there is still a fair bit of work to do. A great plan is useless if it is poorly executed!
Reviews are important – especially as your circumstances and needs change. Reviews will help your strategy keep pace with the things that change in your life as well as market and economic changes. Beyond this, we all have seen many times in recent years the amount of legislative, regulatory and Centrelink changes that can happen. These changes can have vast impacts on your financial situation. Reviews are designed to keep your financial plan relevant to you and to the times and keep pace with (or respond to) all of these changes.