Our Process

Step 1. Your What ifs!?

It starts with you.

You know those thoughts you get while lying in bed? The ones that won’t let you sleep? Your mind contemplating endless possibilities – these are you ‘what ifs!’

Maybe you aren’t content with your current financial position, you want more for yourself and your family. Perhaps there is something you can see coming on the horizon and you’re unsure how it will affect you financially; a new home, a new child, a new job or pending retirement?   

For some of us, simply the unknown can cause stress and anxieties; loss of income through sickness or injury, a downturn in the share/property market, or an uncomfortable retirement due to lack of preparation.

What are your what ifs?

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Step 2. Where are you?

Let’s talk – maybe we can help.

Too often the ‘what if journey’ never gets past your initial thoughts, inspirations or concerns.

A great next step is to get in contact with us, we’ll sit down and have a complimentary discovery session. The aim – to figure out: where you are, where you want to go, and how we can help.

 These initial conversations can be whatever you want them to be. A fifteen min phone call, an efficient video chat, or a face-to-face coffee catch up. Often one ‘what if’ leads to another, and we’re able to help with more than you think.

Step 3. Where to?

Time to get specific.

Next we need to turn your ‘what ifs’ into goals. Specific goals.

You wouldn’t set off on a journey seeking without knowing exactly where you want to go.

‘Save for a house’ isn’t good enough, – your specific goal should look more like this: “You want save a 20% deposit plus purchasing costs, over 2 years, to purchase a $420,000 home”

‘I want to retire comfortably’ also isn’t going to cut it, – whereas “I currently earn $80,000k per year, in retirement I want to replace this income through a range of investments, I don’t want to be overly exposed to the share market, I want the income primarily from yielding assets and would like to leave my children $200,000 each”  

To be able to plan – we need to know where we’re going.  

Don’t worry, we can help you pick a place on the map.

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Step 4. Your Map

Our advice is a map to reach your financial goals.

Once we know exactly where you want to go, we can start drawing up the guidance.

We call it a ‘Statement of Advice’ (SOA). It’s a document that outlines everything; from your current financial position, your future goals and our strategy for you to reach them. It also includes alternative strategies we decided against, and in many cases with various options.

The ‘scope’ of this advice is up to you, you may wish for help in just one area of your financial life (see our services) or we can look at your entire financial world (wholistic advice).  

Step 5. The Vehicle

Technology can be the difference between success and failure.

An ‘advice document’ isn’t enough. Your financial situation, cashflow and net worth is an evolving landscape and you need to be able to keep track.

We can give you technology to view, store, manage and follow your entire financial world.

See and interact with all of your assets, liabilities, bank accounts, properties, shares, superannuation, insurance documents and so much more.

Without this type of technology, its much more difficult to track your financial progress, and could mean that you never hit your financial goals.

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Step 6. Let us drive

Implementation of our advice.

Not only do can we give you advice, in most cases we can fully implement the advice too.

Implementation is the final hurdle to making a change, and can be more difficult than it first appears. How hard can filling out an application be? Or rolling over some super?

Unfortunately, a lot of companies don’t outline their specific requirements, so a ‘missed tick’ here’ or the ‘wrong attachment’ there can add weeks to the process – or maybe you just give up.

Leave it up to us.

Step 7. Are we there yet?

Ongoing reviews & support

Financial advice shouldn’t be transactional. It isn’t about letting you set off on a journey alone – we want to join you!

Ongoing reviews are about catching up to make sure you’re on track, and readjusting the strategy if anything changes – be it your life, your goals, legislation, lending criteria or maybe you just change your mind on where you want to go.

We can tailor these reviews to your needs, monthly to annually, face-to-face, or just a quick phone chat.

Placeholder

Step 1. Your What ifs!?

It starts with you.

You know those thoughts you get while lying in bed? The ones that won’t let you sleep? Your mind contemplating endless possibilities – these are you ‘what ifs!’

Maybe you aren’t content with your current financial position, you want more for yourself and your family. Perhaps there is something you can see coming on the horizon and you’re unsure how it will affect you financially; a new home, a new child, a new job or pending retirement?

For some of us, simply the unknown can cause stress and anxieties; loss of income through sickness or injury, a downturn in the share/property market, or an uncomfortable retirement due to lack of preparation.

What are your what ifs?

Placeholder

Step 2. Where are you?

Let’s talk – maybe we can help.

Too often the ‘what if journey’ never gets past your initial thoughts, inspirations or concerns.

A great next step is to get in contact with us, we’ll sit down and have a complimentary discovery session. The aim – to figure out: where you are, where you want to go, and how we can help.

These initial conversations can be whatever you want them to be. A fifteen min phone call, an efficient video chat, or a face-to-face coffee catch up. Often one ‘what if’ leads to another, and we’re able to help with more than you think.

Placeholder

Step 3. Where to?

Time to get specific.

Next we need to turn your ‘what ifs’ into goals. Specific goals.

You wouldn’t set off on a journey seeking without knowing exactly where you want to go.

‘Save for a house’ isn’t good enough, – your specific goal should look more like this: “You want save a 20% deposit plus purchasing costs, over 2 years, to purchase a $420,000 home”

‘I want to retire comfortably’ also isn’t going to cut it, – whereas “I currently earn $80,000k per year, in retirement I want to replace this income through a range of investments, I don’t want to be overly exposed to the share market, I want the income primarily from yielding assets and would like to leave my children $200,000 each”

To be able to plan – we need to know where we’re going.

Don’t worry, we can help you pick a place on the map.

Placeholder

Step 4. Your Map

Our advice is a map to reach your financial goals.

Once we know exactly where you want to go, we can start drawing up the guidance.

We call it a ‘Statement of Advice’ (SOA). It’s a document that outlines everything; from your current financial position, your future goals and our strategy for you to reach them. It also includes alternative strategies we decided against, and in many cases with various options.

The ‘scope’ of this advice is up to you, you may wish for help in just one area of your financial life (see our services) or we can look at your entire financial world (wholistic advice).

Placeholder

Step 5. The Vehicle

Technology can be the difference between success and failure.

An ‘advice document’ isn’t enough. Your financial situation, cashflow and net worth is an evolving landscape and you need to be able to keep track.

We can give you technology to view, store, manage and follow your entire financial world.

See and interact with all of your assets, liabilities, bank accounts, properties, shares, superannuation, insurance documents and so much more.

Without this type of technology, its much more difficult to track your financial progress, and could mean that you never hit your financial goals.

Placeholder

Step 6. Let us drive

Implementation of our advice.

Not only do can we give you advice, in most cases we can fully implement the advice too.

Implementation is the final hurdle to making a change, and can be more difficult than it first appears. How hard can filling out an application be? Or rolling over some super?

Unfortunately, a lot of companies don’t outline their specific requirements, so a ‘missed tick’ here’ or the ‘wrong attachment’ there can add weeks to the process – or maybe you just give up.

Leave it up to us.

Placeholder

Step 7. Are we there yet?

Ongoing reviews & support.

Financial advice shouldn’t be transactional. It isn’t about letting you set off on a journey alone – we want to join you!

Ongoing reviews are about catching up to make sure you’re on track, and readjusting the strategy if anything changes – be it your life, your goals, legislation, lending criteria or maybe you just change your mind on where you want to go.

We can tailor these reviews to your needs, monthly to annually, face-to-face, or just a quick phone chat.

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