How We Work With You

We specialise in providing professional strategic advice to help you improve your current financial position and ultimately achieve your long term lifestyle goals.

Importantly, our initial advice isn’t a ‘set and forget’ service. Instead we offer you regular financial mentoring and ongoing guidance to set you, and keep you, on the path to financial wellbeing.

We will provide you with a detailed and totally tailored blueprint for financial success, whether you are in the workforce, self-employed, about to retire or already retired.

Our 8-step financial advice process


We start by assessing your current financial position including your financial life-stage, assets and liabilities, savings capability, personal risk insurance requirements, retirement income requirement, Centrelink entitlement position, and so on. We then help you define your short, medium and long term lifestyle goals. What do you want your lifestyle to look like – now and in the future?

Setting financial goals and objectives

Then we convert your lifestyle requirements into clear financial goals and objectives. How much money do you need to fund the lifestyle you want – now and in the future?

Develop strategies

Next we develop your financial, wealth, retirement, taxation, Centrelink, and risk management strategies – and determine the required investment return – which will enable you to meet your financial goals and objectives.

Determine asset allocation

We then determine the mix of assets (i.e. shares, property, bonds and cash) which will reliably help you achieve your required investment return.

Risk tolerance test

Importantly, our next step is to determine your tolerance to investment risk (i.e. the fluctuating nature of investment returns). Then we compare your risk tolerance to the level of risk inherent in the asset allocation plan we have developed for you. Do the two match?

Gap analysis – If they do not match, there is a gap which will most likely result in you being unable to achieve your goals. Therefore, before we proceed further, we work with you to help you reach a compromise which gives you comfort on all fronts. We call this our ‘Gap Analysis Procedure’. (see below for more information).

Finalise your individual tailored plan

Once our ‘Gap Analysis Procedure’ is complete, we finalise your financial plan to ensure it is focused on meeting your preferred financial and lifestyle goals. We then, on your approval, implement each of the recommended financial strategies and arrange the purchase of the recommended investments and personal risk insurances on your behalf.

Review your plan

Once your plan and investments are in place, we regularly review them to ensure they continue to perform as expected. If they do not, or if your situation changes, or external factors change, we will recommend appropriate modifications to your plan and investments.

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