What does the process look like?

The Planning Process

Identifying your goals

This is the most important element of the process.

We help you identify your financial goals and what is most important to you about lifestyle, family and money.

This should be the fun part of the process. Talking about your ‘life bucket list items’, what’s most important, your priorities or what worries you the most.

When do you want to retire, that house you want to buy, leaving a legacy for the children, taking the annual overseas holiday, anything you can imagine? Do you simply aim to make some money?

This can be challenging for some people which is why our experienced advisers can help guide you to describe and prioritise what’s most important.

Assessing your financial situation

We will take a good look at your position today.

Assets, liabilities, income and expenses, protection, superannuation, investments, or tax strategies.

We obtain an accurate snapshot of your total financial position today.


This is the boring stuff, which is why you have as to do it for you. 



Research, analysis and projection

This is key, we simplify the complex and give you clarity.

We will undertake full research of all your current financial products and strategies to determine if they are working for you, and they are in your best interest.


After helping you prioritise your financial goals, we put this into a clear financial picture.


This is projected forward in current and future dollar values using our tailored financial planning software.


We then connect the two. Current position and strategy to future financial goals. This is clearly presented using our Retirement and Wealth Projection Tool.


The outcome of these steps is we identify the best strategy for you to meet your goals. We will come up with solutions and include Plan B’s.

Preparing your financial plan

Our findings and research will be presented in a tailored financial plan that will give your clarity and clear next steps.

This document (referred to as a Statement of Advice) will help paint a clear picture of the strategies and steps to follow so your financial goals may be achieved.

Our Wealth and Retirement Projections are the part of the process our clients value the most. It provides a clear picture of the future you, financially and if your goals are achievable.


We present our personalised recommendations to you. It is important that our clients not only have the solution and steps to go forward but gain knowledge to help understand what we are recommending and why we are doing it.


This important document becomes the blueprint and starting point to your financial and wealth journey.

Implementing our recommendations

After discussing all recommendations, we will help implement any changes.

Sometimes this process may seem overwhelming or complex. We will do our best to make these steps smooth, efficient and hassle free.


Where appropriate, your financial planner may work with other specialist professionals, such as your accountant or solicitor.

Reviewing the Plan

We will communicate with you, review your strategy moving forward, meeting with you regularly (usually once or twice per year).

This is because your circumstances and goals are likely to change over time, along with environmental change such as government policy, tax legislation, and investment markets. This is why it’s so important that your financial plan is regularly reviewed, to make sure you keep on track. 

We are here to help.