Protection
Protection strategies guarantees financial security for both you and your loved ones in unforeseen circumstances such as accidents, illnesses, or loss of life, providing peace of mind for the future.
APPROACH
How we help?
We’ll discuss with you strategies to protect you and your family if the unforeseen occurs. Considerations are usually made with regards to debt you’ve accumulated, your financially dependants and other lifestyle expenses you wish to protect. We’ll also consider taxation and structure issues, your cash flow position and personal health when discussing the most appropriate insurance cover.
PROCESS
How we do it
/01
Initial Discussion
We will ask for information about your current financial position and your financial goals to determine the scope of advice. This scope may be limited if information provided is incomplete or inaccurate or if your instructions are outside of our authority.
/02
Decision to Proceed with Advice
If you agree that personal financial advice is in your best interests, you will receive a quote for the cost of developing your financial plan (called an SoA) based on the scope agreed to with your adviser.
/03
Developing your Plan
If you decide to proceed, we will research and develop an appropriate strategy based on your goals and financial position and document this in an SoA.
/04
Presenting your Plan
When your plan is complete, we’ll contact you to arrange an appropriate time to explain our advice including risks and costs associated with any recommended strategy, and provide you with a copy of the SoA
/05
Presenting your Plan
We will go through the steps involved to implement your plan and answer any further questions you have. For comprehensive advice, we will arrange the paperwork needed to implement our advice on your behalf where possible.
TESTIMONIALS
What our clients say
WHY US
Why you should choose us
Experience
Phil and Marty have over 30 years of experience within varies roles in the financial services industry.
Local
We're based in Central Victoria and travel throughout the countryside regularly. Prefer a phone or online appointment? We do that to!
Self-licensed
We're not aligned to any dealer groups or product providers, giving us freedom to provide customised advice that’s always in your best interest.
FAQ’s
Frequently asked questions
How much does it cost to have an appointment?
No cost! We always like to see if we can help first, and if we think we can we’ll explain our advice process and provide you with the cost of receiving financial advice.
What’s the typical cost of receiving financial advice?
Our fees are based on complexity of advice and typically range between $2,200 and $4,000 (once off fee, inclusive of GST). After our first meeting, we’ll be able to give you the cost of us providing advice.
How do you typically invest your clients money?
Firstly, we need to do an evaluation of your willingness and ability to take
investment risks relative to your financial goals. This is important so we can determine a proper investment asset allocation for your portfolio.
We always like to diversify your investments through different asset classes to help reduce volatility and protect your wealth. We’ll discuss our investment philosophy in more detail during your appointment.
