Financial PlanningWhat We DoHow We Can HelpThe Financial PlanThe 7 Step ProcessWhat You Need

Financial Planning

Financial planning advice helps you plan and manage your money to work towards making your dreams and goals become a reality.

Whatever your situation, there are 7 key building blocks (strategies) that we can use, in combination, to help make the most of your money.

Our Initial Meeting

Our initial meeting is free of charge. Based on our initial discussions, you may then instruct us, for and agreed fee, to implement a transaction for you or you may want us to provide you with advice and recommendations, either comprehensive or scaled to specific issues, as directed by you.

Different levels of service and ongoing support are available to you to suit your specific needs. As part of our guarantee and commitment to the highest quality of advice, we warrant that all the research and advice for you is conducted by an experienced certified financial planner.

What We Do

A financial planner is like having a personal coach for your money. Our aim is to help you protect and get more out of the money you have, so you can have more of the things you want – today and in the future.

After finding out who you are, your current circumstances and where you want to be, we will help you make informed decisions about how to make the most of your money, investing and protecting it to your advantage, using financial products that suit your needs.

Our job is to take the 7 key building blocks and mix and match these elements to suit your personal situation.

The result will be:

  • a personal financial plan.
  • implementation of strategies and transactions as directed by you.
  • follow-up, review and ongoing service in accordance with your requests.

How We Can Help

We are trained and competent to advise on a range of matters, including:

  • Financial management from basic budgeting to complex portfolios.
  • Investment strategies, including recommending investment categories and specific products.
  • Superannuation strategies to help you retire with the lifestyle you’d like
  • Strategies to help you minimise the tax you pay right now
  • Retirement planning – the sooner you plan the better.
  • Pension structures.
  • Redundancy payout. To make it effective and to make it last as long as possible.
  • Insurance to protect yourself, your family, your assets and your income.

The Financial Plan

Whether you go to a professional financial planner or do it yourself, you’re going to need a plan. In its brochure, “Don’t kiss your money goodbye”, the Australian Investments and Securities Commission (ASIC) says that a good financial plan should:

  • summarise your financial position
  • list your goals
  • explain how you will reach those goals
  • show how the chosen investments mesh together as parts of your overall strategy
  • disclose and explain any risks and how they can be overcome
  • state all costs
  • reveal if any commissions are received by your adviser

What to Expect – The 7 Step Process

The law requires that any personal advice you receive from us must be appropriate to your circumstances. While you have the right not to tell us personal information, if you don’t, the advice you receive may not be appropriate to your needs and your financial situation. When we meet we will take you through a 7-step process:

  1. An initial consultation that allows us to  find out about each other.
  2. We will collect all the information we need from you (sometimes called ‘fact finding’).
  3. We will help you identify your goals and  current financial position. We normally do this at the same time as the ‘fact find’.
  4. We will consider the 7 building blocks or strategies (eg, tax, social security, estate planning etc), then develop and present you with written recommendations in a financial plan (called a Statement of Advice).
  5. We will discuss the recommendations with you and make sure you are comfortable and agree with them.
  6. We will implement the agreed recommendations
  7. We will periodically help you review your objectives, financial situation and needs.

It is important to remember that you are in control and can decide whether to stop, change or continue at any stage of the process.

Information You may Need when you Meet With Us

At our first meeting, we will ask you about you – about where you are now, about your expectations, about how you would like to live your life.
Then we will conduct something called ‘fact finding’ – we will ask you about your personal circumstances and help you to determine your attitude towards risk. Your attitude to risk means whether you are conservative in the way you invest, aggressive or somewhere in between.

We will ask you for detailed personal information; we need it to put together your financial plan. We will ask things like your:

  • age
  • current personal income
  • family income
  • future income (inheritances included)
  • day-to-day expenses
  • your family circumstances and dependants
  • future expenses
  • assets and liabilities
  • tax paid and tax owed
  • super and insurance situation
  • current investments
  • state of health

You may also need to have considered your goals and current financial position. We may ask you things like:

  • when you want to retire
  • how you want to educate your children
  • whether a second home, like a holiday house, is important to you
  • do you have dependents you need to provide for
  • whether you have an up-to-date Will
  • whether you are expecting any large expenses.



We will help You understand:


  • Wealth Creation
  • Tax effective investment strategies
  • Money Management
  • Superannuation
  • Self Managed Super Funds (SMSF)
  • Financial Protection
  • Retirement Planning
  • Aged Care finance

To find out more:


Let`s start planning your financial future today



You explain your needs, objectives, dreams, and fears. We’ll then design a personalised strategy and plan for you that explains how we can help you reach your financial goals.



We work together with you to implement the plan. Then we keep you updated on where you stand and adapt the plan as life happens.



We’re here for you whenever you need. Call us at any time, for any reason.   Buying a property? Ask for advice. Been offered a new job? Made redundant? Give us a call. Early retirement? Loved one in need of aged care? We`ll help you figure out how to structure the finances and pay for expenses!

Get Started Today!