What Working With Us Looks Like

Our advice service starts with a casual, complementary phone consult.

This is where we get to hear about you, your goals, and your concerns. You will also get to know us, our services and fees, and together we can make sure we’re the right fit for your needs. If we think we can help, we will book you in for your Discovery meeting, or we will point you in the right direction to someone who can help you with what you need.

This meeting is designed to get really clear on where you are now financially, where you want to go, and what might be standing in the way of achieving your financial goals.

Together, we’ll unpack things like your current financial position, future goals, concerns, priorities, and any gaps or challenges that may need attention. The aim is to understand the full picture so we can determine what type of help you need and identify the strategies, structures, and support that may move you forward with more clarity and confidence.

It’s also an opportunity for you to ask questions, explore possibilities, and better understand how working with a Financial Adviser on an ongoing basis works — including our fees, what support, tools, and guidance are available to you as part of our service.

If we decide to work together – you will be offered to sign up with us in this meeting, and your onboarding journey will begin.

No advice will be provided in this meeting.

Once you’ve decided to move forward with us for financial advice or insurance advice, we move into our onboarding phase.

This stage is all about collecting documentation (Third Party Authorities, Tax Returns, Super and Insurance Statements) to verify relevant information of your personal and financial circumstances, so we can provide advice that is tailored, appropriate, and in your best interests.

Depending on the complexity of your situation and how quickly information is received from third parties, this process can a few weeks.

While it can feel like a lot of information gathering upfront, this stage is incredibly important. It ensures that we are working with accurate data and allows us to properly assess opportunities, identify risks, and build strategies that are genuinely aligned to your goals and circumstances.

This phase includes attending a 45-minute needs analysis meeting and/or a risk profiling meeting – depending on your specific advice needs.

Once the onboarding and information gathering phase is complete, we move into your Strategy Meeting.

This is where we present and discuss our initial thoughts and strategic recommendations designed to help you achieve your goals and objectives.

The meeting is collaborative in nature — we’ll talk through the opportunities we’ve identified, explain the reasoning behind different strategies, and explore any questions, ideas, or adjustments you may wish to make.

We then complete our final research based on what strategies we agreed to pursue and prepare your formal recommendations and advice documentation.

In this meeting, we will explain our recommendations set out in your statement of advice and how the advice puts you in a better financial position. Following your understanding and acceptance of our advice, we help you get started on implementing the recommendations. This may involve signing paperwork, coordinating with other professional advisers (e.g . Your Accountants, Lawyers or Mortgage Brokers) until everything is set up, scheduling insurance application meeting, arranging medicals or additional meeting with you to get everything set up.

Once everything is set up, we check in a few months later, to make sure your financial plan is working as intended, and make any tweaks that might be needed. Then at your annual review, we meet to look at how you have tracked over the past 12 months, chat with you about any new goals you want to focus on in the year going forward and we re-set your plan for the year ahead.

* Not included for For Focused (Insurance Only) Advice clients

A review of your insurance policies is not typically needed for 3-5 years, unless your circumstances have changed significantly since we provided advice. I.e taken on more debt, income has changed, new dependentss, change in occupation etc. We ask that you contact us if you do experience a significant change in your circumstances and book in for a discovery meeting (Step 2)