We see Financial Planning as a journey. From the early years when borrowings are high and savings must be carefully planned, through the
accumulation years when debt levels reduce and savings capacity increases and finally into the ret
irement years when careful planning from the previous phases bears the fruit of financial security.
The need for quality financial advice has never been greater.
Evolving financial markets and changing regulatory environments mean there are more investment options and complexities than ever before. Having the right professional advice can make a significant difference in achieving your long-term financial goals.
While we do not provide financial planning services ourselves, we strongly recognise the importance of receiving sound financial advice, as part of an overall financial and tax planning strategy. Financial planning typically involves developing a tailored strategy that considers your personal circumstances, including your age, lifestyle, financial goals, investment experience, risk profile and time horizon.
A comprehensive financial planning process often includes:
- Initial Meeting
- Fact Finding (Information Gathering)
- Preparation of a Financial Plan (Statement of Advice)
- Meeting to Discuss the Financial Plan
- Plan Implementation
Financial planning should not be a “set and forget” process. As your life circumstances change, and as markets and legislation evolve, it is important that your financial strategies are reviewed and adjusted accordingly.
Although we are not licensed financial planners, we work closely with a number of trusted financial planners, who we have known and dealt with for many years. Where appropriate, we are happy to refer our clients to these professionals, so they can receive specialised financial advice. These planners can meet with you either in our office or in their own.
Importantly, we do not receive any commissions or referral payments from these advisers. Our focus is always on acting in our clients’ best interests and ensuring they receive the right advice for their needs. Whilst they specialise in financial planning and investment advice, we continue to focus on what we do best — providing expert tax planning and taxation advice and working collaboratively with your financial planner to ensure your financial affairs are structured as effectively and tax-efficiently as possible.