Initial Consultation (at our cost)
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No obligation to proceed.
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Meet, greet & both feel comfortable with each other (the very nature of financial planning is such that it should be a LONG TERM relationship)
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Discuss your current situation, goals & objectives with you.
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Determine if we can be of assistance to you.
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Explain who we are, how we operate, the benefits to you & what you can expect from us (WPFS)
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Explain & agree on fees, costs & the scope of services to be provided.
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We provide you with a copy of our Financial Services Guide (FSG)
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You give authority to prepare a comprehensive or specific advice Financial Plan.
Strategy & Plan Preparation
We spend considerable 'fact finding' time to:
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Help you consider and prioritise your goals & objectives (both financial & personal)
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Overview your current financial situation.
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Discuss & ascertain your investor 'risk profile'.
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Look for any holes in your current 'risk protection' strategy.
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Discuss any other issues you would like us to address.
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Ensure that we get a clear understanding of what you want YOUR financial strategy to achieve.
Then we identify ways to:
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Identify appropriate 'wealth creation' strategies.
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Protect your financial risk.
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Maximise investment returns.
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Maximise government entitlements.
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Investigate & determine ideal investment vehicles & fund managers to meet your objective.
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Consider taxation & centrelink issues, legislation & rules.
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Strictly comply with FPA & ASIC compliance guidelines
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Formulate a plan that will meet all of your stated goals & objectives.
Strategy Presentation
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Meet again to present strategy recommendations (explaining in an understandable format & educate in detail)
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Provide an overview for your ease & future reference.
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Focus on how our recommendations will achieve your desired outcomes.
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Fully disclose all fees as per ASIC guidelines.
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You may take the plan away for final consideration or further adjustment.
Strategy Implementation
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We may need to make slight adjustments or clarify any details.
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When you are happy, you give us authority to proceed with our recommendations.
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We prepare all the necessary paperwork and filling in forms.
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We assist with insurance underwriting requirements to make the process as smooth as possible.
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We monitor all aspects of strategy implementation through to completion.
Ongoing Service & Review (Client Care Package)
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Updating your present circumstances.
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Revisiting your initial goals and objectives to ensure they are still valid and have not changed.
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Review the performance of the financial plan recommendations to ensure the fund managers and products are meeting expectations.
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Updating you on changes occurring in the markets and in the different economies around the world and the effect these might have on your plan.
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Coaching you through uncertain times and educating your through the process.