Discovery Meeting
We specialise in financial advice and planning for accumulating, managing and protecting your personal wealth for enjoying life now and when you decide it’s time to retire.
You should do more of what you enjoy, with those you love most. And, if you can afford to work less, then you probably should!
Our 10 Tenets
We believe…
Our Approach
The partnership between client and financial planner is usually life-long and as is the case for all successful partnerships, it’s two-way. That is, each respects and trusts the other, willingly working together to achieve agreed goals.
Our implementation approach will take us through five important steps that will help us to get to know whether (or not) we are suited as financial partners working towards achieving agreed financial goals that will enable you to live life your way.
Introduction Phone Call
Discovery Meeting
Strategy Confirmation Meeting
Advice Presentation
Implementation & Future Strategy Reviews
7-step Early Retirement Framework
Analyse
Evolve
Craft
Implement
Structure
Withdraw
Coach
Steps for our advised approach
- We analyse your current cashflow and tax to identify what’s available for wealth creation.
- We evolve your goals into clear, concise SMART wealth objectives .
- We carefully select appropriate financial strategies to craft a course that effectively uses your financial resources. We forecast this course of action to demonstrate how it contributes to achieving your long-term objectives.
- We analyse your total combined asset allocation and align it to your individual risk capacity, profile and circumstances. This is compared against your required rate of return. We implement cost-effective platforms and investments combined with independent research, regular rebalancing and switching.
- We efficiently structure your assets in the optimal location for the long term (own name, super, trust, pension, bond).
- Establishing dynamic withdrawal strategies to enjoy your wealth.
- Financial coaching – influencing you to stay financially disciplined and execute the agreed strategy.
Our Accountability Statement
Our partnership together produces the best outcomes and success when it has a...
Partnership Benefits
Unlimited access to the Wealth Team
Convenience and ease of managing finances
Gain greater peace of mind
Feel a greater sense of control over your finances
Feel greater financial awareness & security
Sounding boarding for financial decisions
Gain greater confidence in making financial decisions
Integrated expertise
Understand financial concepts and markets
Integrated and optimised plan for tax, debt, super and retirement
Easily track your growing net wealth
Benefit of Options
We structure our long-term partnerships to include
- Identify the movement of capital over time to use structures effectively
- Super platform feature and cost analysis
- Debt restructuring
- Identify appropriate tax structure strategies for professional and business owners
- Use efficient platforms for investment management
- Identify and create a cash flow surplus to contribute towards your goals
- Identify debt strategies to reduce costs and eliminate them sooner
- Optimise superannuation contributions from cash flow to ensure you can have a comfortable retirement
- Develop a dynamic drawdown strategy to ensure you enjoy it and make it last.
- Identify tax savings
- Identify appropriate Property and Capital Gains Tax Strategies
- Determine the Capital Contribution Rate and Required Rate of Return to reach your goals
- Optimisation cash flow when dealing with Multiple structures and entities
- Identify risks to our; lifestyle, income, business and wealth
- Identify appropriate insurance cover amounts to mitigate the risks to your lifestyle and future retirement
- Identify dynamic reduction of insurance as risk reduces each year
- Identify estate planning strategies appropriate to our situation
- Identify any adjustments required to the structure or capital of investments and assets.
- Identify appropriate changes to the cashflow plan
- Identify appropriate risk mitigation changes for insurance and estate planning
- Annual Strategic Review Meeting (in-person or online)
- Annual Wealth Tracking Meeting (in-person or online)
- Portal combining your portfolio and personal assets
- Tracking of your Net Wealth over time
- Educate you about your investment risk profile.
- Helps protect your portfolio from excessive emotional reactions (panic-selling during downturns)
- Improve financial decision making
- Optimise superannuation investments
- Appropriate platform and investment selection for your situation
- Total Combined Asset Allocation Analysis across Structures & Ownership
- Portfolio Administration & Investment Management
- Rebalancing & Switching Investments
- Bi-Annual Wealth Portfolio Analysis
- Integrate "Live" client portal combining Assets + Portfolio
- We use Independent Research to select quality investments
Physiotherapist & Engineer require financial triage
Bill and Maddie are highly qualified busy professionals. Maddie is a senior physiotherapist. Bill is a mechanical engineer studying his Masters.
Woo hoo! 10 years to retirement
Roger and Margaret are thinking about retirement, but they’re quick to add ‘not just yet’.