Working With You

Clarity Meeting

We do not charge for the initial ‘Clarity’ meeting. The purpose of this meeting is to find out a bit about each other and we encourage you to ask as many questions as you like. It is important that you feel comfortable with your adviser. Another purpose of this meeting is for us to understand your current circumstances, financial position, goals and objectives. We can then determine if there are any areas where we can add value. If we don’t feel we can add enough value to cover our fees then we can point you in the right direction.

At the end of the meeting we will outline the areas we can help you in, the benefits you can except to receive and give you an idea of the fees if you wish to proceed. If you choose to proceed we will then research the alternatives available to you and present written advice to you in the form of a Statement of Advice (also known as a Financial Plan)

Soon after a second meeting is often arranged to discuss the recommended strategies and how they will effect you. Once we have helped you to understand the recommended strategies and discussed the alternatives available, we can guide you through the implementation phase if you choose to proceed. We will then arrange to follow up meeting once everything has been implemented and introduce you to our progress meeting service should you have chosen this option.

The meeting always starts with a coffee, here Stephen collects the order

Progress Meeting

We believe our great service comes from regular communication and our ability to actively manage our client’s financial affairs. This provides you with the security of knowing that as the world around you changes, your financial plan will evolve too – not simply to include those changes, but to benefit from them wherever possible.

Some of the variables that can change in the future and have a significant impact on the suitability of your strategy and investment portfolio include:

  • The economic environment
  • Investment sector performance, and individual fund manager performance
  • Your taxation position, and the taxation position of your investments
  • New investment products and services that become available to the market
  • Legislative changes, such as changes to tax, superannuation and Social Security rules that apply to your investments

In our regular progress meetings we ensure that your personal objectives and financial needs continue to be met. This often requires us to revisit the financial projections from your initial plan and see how you are tracking in relation to these.

We also like to update you on your investment portfolio at the meeting and provide our views on current issues impacting the investments, future opportunities, risks and how we are managing these.

In addition to our scheduled meetings you can call us anytime to discuss a particular issue. It may be an issue regarding your plan, investments, super fund or an article you may have read. There is not additional charge for these discussions.