Initial meeting

  • Introduce the financial planning service

  • Discuss our Financial Services Guide (FSG).

Understand your goals

  • Discuss your short, medium, and long term goals

  • Discuss your priorities and objectives

  • Determine your current financial situation

  • Complete a Financial Needs Analysis and Budget Planner

Analyse and access

  • Review your current situation and objectives

  • Determine what you must do to obtain your goals

  • Consider solutions and alternatives

  • Create a plan tailored to your needs

  • Present and explain in detail your financial plan (Statement of Advice) tailored to your specific needs, outlining clear strategies that aim to help you reach your goals.

    The Statement of Advice will include the advice, the basis on which it is given, details of strategies, products, comparisons, projections, risks and any fees and commissions.

  • Discuss the recommendation and the future considerations.

  • Assist you to make an informed decision.

  • Answer any questions you have.


  • Agree on how to proceed with the advice provided

  • Help implement your advice to get you moving toward achieving your goals


We recommend that you review your strategy at least annually or whenever your personal or financial circumstances change. During our reviews we typically discuss any changes to legislation, economic and market events and how they may impact your financial goals and whether we recommend you make any changes to your financial plan to help keep you on the best path to achieving your goals.

Ongoing Review