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Our Process

Our process

A general outline of our process follows:-

  • We can meet at your place or ours, after hours if needed – because we understand that it is difficult to meet and discuss personal matters during work hours
  • For starters, just an informal, no obligation “getting to know you” and getting to know us” meeting
  • Next meeting – If you decide to proceed further, then it Is important that we get to know you in depth.  A simple Fact Find (or Client Questionnaire) can be completed during our meeting (s) – or you can try and complete this beforehand yourself.  Just click here to download a copy of this questionnaire.
  • During this meeting (s) we will determine your Risk Profile and make sure you clearly understand the implications this has on our advice to you.  For example, if you have a high risk tolerance, or a low risk tolerance, then either may result in poor financial outcomes.  We will not issue advices until we all agree on your tolerance to investment risk.
  • If you are seeking insurance advices, then we will ensure that adequate cover is quoted to meet your needs.  You may not be able to afford this, so further meetings/discussions will be required
  • After this meeting (s) – and you can have as many meetings as you like – a fair bit of research is required by us.  To do this we need to ask you a lot of questions – not all are on the Fact Find form.
  • We will need financial records, like superannuation statements, bank accounts, tax returns, insurance policy renewal notices, a personal budget and more.  Click here to download a checklist of data.  Not all will be required – we will let you know what to provide during our “getting to know you” meeting.
  • Your Privacy is important to us.  Click here to view our Privacy Policy.
  • Research, research, research, quotes, quotes and quotes.  We will research your existing investments, superannuation and insurances.  We will undertake investigations into suitable financial products and recommendations.  Alternative strategies will be provided.
  • A Statement of Advice (SoA) will then be completed, presented and explained.
  • This SoA will set out our recommendations, alternative strategies, our costs and will include Product Disclosure Statements for recommended investments/insurances/superannuation
  • Take your time – you are making an important step along the path to a secure future.  Read and understand.  Ask questions.
  • If you are accepting our insurance recommendations, we urge you to view this short video on your Duty of Disclosure.  Click here to view.
  • If you decide to proceed with our recommendations, complete the Authority to Proceed within the SoA and any other documentation provided.  We will ensure you understand what you are signing.
  • Do not cancel any insurances until the replacement policy (ies) are in force.  We will confirm this.
  • Review your insurances/investments/strategy regularly.  We will talk to you anytime.  If you want monthly reviews, then so be it.  We love email/SMS – so if something occurs to you in the middle of the night, just email or text us and we will respond within 24 hours (often quicker).