What We Do
Financial planning is much more than recommending good investments – it’s about truly working out what is important to you and putting in place a plan to make it happen. It’s personal, it’s educational, it’s ongoing and like most good things in life, it takes some effort.
We understand that clients have differing needs. Some have a single pressing issue that has been worrying them, others have a general feeling that they could be doing better, some are time poor, and others lack experience or confidence, while many have been putting off doing something because they haven’t been able to find someone they feel they can trust.
We believe that a financial plan should have a positive effect not only on your bank balance but more importantly on the life that you live.
Our process begins with an obligation free 1 hour meeting. Prior to this meeting you are required to complete and return an About You Questionnaire. During the meeting we will discuss your circumstances and goals and explore how our services may assist you in achieving your goals. We will outline the cost of any advice & services to be provided. At the end of the meeting you should be in a position to assess whether to engage our services and request a formal Letter of Engagement.
Once the Letter of Engagement has been signed and returned, we will request further information from you and clarify your objectives. We will schedule a strategy meeting (about 90 minutes) with you before finalising the strategy and writing up our recommendations. We will then meet to present our recommendations to you (about 90 minutes) and upon acceptance by you we will move to implement the recommendations.
Once implementation is complete we will hold our first review meeting, which will be used to re-cap what we have achieved so far and all the changes that have taken place. Review meetings are scheduled annually or every 6 months depending on the level of service you engage, but of course we are always available to discuss any queries or concerns you have.
We specialise in:
- Building your superannuation
- Wealth creation
- Managing debt
- Budgeting and cash flow
- Preparing for retirement
- Self Managed Super Funds
- Estate Planning
- Aged Care
- Small business advice
- Insurance and Protection
Our ideal client is someone who is motivated to take control of their finances and engage in a discussion about their financial position. Our team works closely with every client to ensure we are continually taking into account any changes in your situation or needs so that your plan is always working for you. We don’t expect all of our clients to come from financial backgrounds, so we ensure that all our planning is thoroughly explained and transparent to you. We understand that people’s lives are always changing and we aim to be a source of confidence and security in this shifting, fast-paced world, to restore balance to the lives of our clients. Every client has a different ideal of ‘success’, and by working together throughout our processes, meetings and reviews, we aim to be successful in achieving all of our clients different goals and creating the lifestyle they desire.
Jim provides excellent advice that is tailored to your actual circumstances. He takes the time to determine what your needs are and to identify important issues and opportunities you may not have considered (but you need to). He is proactive and professional and I have no hesitation in recommending his services.
~ Michael Sharp
I must admit my share portfolio was a mess. I found Jim’s advice invaluable. He was instrumental in helping me understand that a good portfolio covers a diverse group of shares and some cash in case of emergencies or for good buying opportunities. I am now much more confident and understand my options and my portfolio much more fully.
~ Nellie Dawes
Jim’s approach to our financial situation was extremely thorough and left us feeling confident and in safe hands. He created easy accessibility to our portfolio, allowing an up-to-date snapshot of our finances online. Also, regular contact from Jim helps us to tweak our investments in response to the moving markets. While no one can predict the future, we are very comfortable with the current situation.
~ Robin Freedman and Lori Flekser
Jim brought all of our financial matters into order, so now we can easily see where we stand. He’s also got a good understanding of our risk profile and financial goals. I’m confident in Jim’s advice, because he explains clearly why it makes sense in the broad scheme of our current position and future goals.
Jim was very pro-active in helping Fiona and I step back and look at the bigger picture of our finances and where we wanted to head with our investments. We now have a much clearer understanding of what we need to focus on to reach our family goals. In addition, it is very comforting to know that if the worst happened we have comprehensive contingencies in place and a trusted adviser who does and would continue to look after our families best interests.
~ Wayne Spice
Jim is a smart, honest, straight forward advisor who is completely trustworthy and insightful to individual circumstance. We have found his advice to be complete, accurate and optimal in our investments. He treats our money as his own. Nobody is more trustworthy and diligent and we would recommend him to anyone wanting the most from their investment dollar.
~ Brad & Danah Pillinger
Jim single-handedly has radically impacted my view of the financial planning industry. Upfront he is clear about the methods he use, about his views on risk diversification and about his determination to create a strategy and stick to it. He listens carefully and is able to bring clarity to his client’s jumbled thinking, rationally dealing with suggestions, and in an inclusive manner coming to mutually agreed goals. He is focused on the long term, while at the same time making provision for major cash inflow or outflow requirements.”