How we do business

Most of our clients are referred to our office by current clients, or local professionals.

As a prospective new client, there is no charge for your first consultation.  Prior to your appointment, we will email you a brief questionnaire and ask you to complete it, and return it to us.

If clients require “one-off” advice, we can provide that service.

If clients require an ongoing relationship to ensure that they achieve their financial goals (the majority of our clients do) we can provide those services.

There are times when we cannot assist people.  If this is the case, we will endeavour to refer you to someone who can.

Our process for providing advice involves seven steps.

 

Our Fees

We do not charge any new clients commissions on investments, nor fees based on the level of your assets. Our fees are based on the services that clients require. Fees and services are agreed upfront before we commence any work. Either an agreed flat fee or our professional hourly rates.

Our fees to provide ongoing services to our clients are reviewed annually. They are indexed annually. Clients who retain our services on an ongoing basis can terminate our services at any time.

We are paid commissions from life insurance providers on policies that we sell or service.

First Meeting	Getting to know each other Analysing the information that you have provided to us Determining your current circumstances and your needs Determining whether we can assist you
Gathering the facts	Obtaining all of your relevant  details Discussing your attitude to risk
Agreeing on the service	Describing the services that we can offer you Informing you of the fees to provide that service Obtaining your agreement to proceed
Preparing our Advice	Analysing possible strategies Researching appropriate financial products Preparing a formal recommendation
Presenting the Advice	Present our advice in a written document Explaining the recommendations and the reasons for them Answering questions you may have
Implementing the Advice	Accepting your instructions to proceed Instructing other professionals on your behalf Preparing applications and other documents
Ongoing Reviews	Only provided if you retain our services on an ongoing basis Establishing regular review intervals Reporting progress to you Making changes to your strategy in response to such things as your circumstances, your needs or legislation