Our aim is to work in your best interests. We are committed to a code of ethics designed to achieve best practice in financial planning. We emphasise and prioritise your rights and entitlements as our client at all times. We continuously and pre-emptively examine ways to improve your wealth, financial health and retirement planning. Your well-being is our core focus, and everything stems from our insistence that your interests be prominent in our advice.
The secret to successful financial management is being financially well organised and knowing what you want to achieve. We work with you to understand and clarify what will give you the freedom to live the life that is meaningful to you.
Immediate issues that arise often involve superannuation matters, redundancy, or inheritance, or imminent retirement.
We provide one-off advice on this issue but in the context of a broader framework we have determined as all financial decisions need a context for a proper solution and are rarely, if ever, solved in isolation. Most money matters are associated.
Often a single issue leads to another being solved or at least introduced as a matter needing resolution in the near future.
It may be that you want to borrow to invest and this would put you at some risk unless we looked at the need for income protection insurance for example. Or it may be salary sacrifice into super or a personal concessional contribution and the issue of pre-tax savings becomes relevant.
When this happens people often need an ongoing service to monitor the progress of such matters and review investments regularly to ensure they are on track. We measure the achievements against the desired outcome.
We make sure that you understand that we are firmly focused on the goals you want to achieve, and that we only recommend strategies and investments that are equipped to those ends. The strategies, investments, tax planning etc. are the channel and we help manage those elements but only in the context of achieving something greater.