Our financial advice process is designed to deliver you financial independence and success. This isn’t transactional. We are not here to sell you some product and move on. It’s a relationship.
Initial Advice – Getting Started
Financial advice isn’t a one-time transaction — it’s the start of a conversation about what matters most to you. In our first stage, we take the time to understand your goals, values, and current financial picture. From there, we do the research and build a tailored strategy that covers the areas that matter most, such as:
- Superannuation & Retirement Planning: making sure your super is on track to fund the lifestyle you want.
- Investments & Wealth Creation: building a portfolio that reflects your goals, time frame, and comfort with risk.
- Personal Insurance & Risk Protection: ensuring you and your family are protected if the unexpected happens.
- Cashflow & Budgeting: giving you clarity and control over your income and expenses so you can live well today while planning for tomorrow.
- Debt & Lending: helping you manage debt smartly, from reducing liabilities to structuring it in ways that support tax effectiveness and long-term wealth creation.
- Estate Planning & Intergenerational Wealth Transfer: making sure your legacy is protected and passed on according to your wishes.
- Centrelink & Aged Care: guiding you through entitlements and planning for future care needs.
The outcome is more than a list of strategies — it’s a clear, practical plan that gives you confidence and connects where you are today with where you want to be tomorrow.
Ongoing Advice – Staying on Track
Life doesn’t stand still, and neither should your financial plan. That’s why real advice is an ongoing process. We’ll keep checking in, reviewing your progress, updating strategies as circumstances change, and holding you accountable to the things you said were important. Think of us as your long-term partner — helping you cut through the noise, adapt when life throws curveballs, and stay focused on living the life you want, now and into the future.
Our Advice Process — What to Expect
Discovery Chat
This is our first informal conversation. We’ll get to know you, understand where you’re at financially, and talk about what’s prompted you to seek advice now. It’s all about listening: your current situation, your hopes, your worries. We’ll also explain how we work and what the process looks like so you can see whether we’re the right fit.
Goals & Values Session
Here we dig deeper. We’ll explore what you value most in life — not just financially, but what really matters: security, lifestyle, legacy, experiences, peace of mind. We use frameworks to help uncover your priorities. From those values, we begin to build clear goals. This ensures your financial decisions reflect what’s important to you.
Strategy & Planning Meetings
Once we understand your goals and values, and your current financial picture (super, investments, debts, insurance etc.), we begin crafting your plan. This is where we develop a roadmap tailored to you — covering retirement planning, investment strategy, tax impacts, risk protection, estate considerations, and more. We’ll run financial projections and model different scenarios, so you can clearly see how different choices play out and what’s most likely to get you where you want to be. Together, we’ll weigh trade-offs, explore options, and agree on the path forward.
Implementation
A plan is only good if it gets put into action. In this phase, we help with everything that needs doing: setting up accounts, moving or rebalancing investments, establishing or updating insurance, sorting super arrangements, preparing documents. We make sure the plan we agreed on is implemented smoothly, with attention to detail.
Strategy & Planning Review Meetings
Life changes, markets move, laws shift. For your plan to stay relevant, we regularly review how things are going. These meetings are about checking progress, revisiting your goals and values if they’ve shifted, adjusting strategy where needed, simplifying where possible, and ensuring you remain on track. The aim is not perfection — it’s progress with confidence.
