Your financial planning roadmap

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Think of it like planning a proper road trip. You need to know where you're starting from, where you're actually trying to get to, and a route that holds up once it meets the real terrain — not just the version that looks good on a map.

Here's exactly what that looks like, stage by stage.

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~20–30 MIN · IN YOUR OWN TIME

Before we meet

You fill out a short questionnaire covering your income, debts, goals and comfort with risk. I read through it before we sit down, so the time we spend together goes straight to what actually matters — not admin.

Financial health check and risk profile
We review your information in advance

→ This will ensure we make the most of our first meeting

~60 MIN · TOGETHER

Getting to know each other

We’ll meet in person or online to explore the information you provided in your questionnaire, and what you actually want your money to do. Together we will:

Go through the financial planning process and the key pillars of advice
Identify what you are doing well and where the gaps are

Based on what you’ve shared, we’ll let you know whether we believe there is genuine value in progressing to formal advice.

→ If we agree there is value in moving forward, we’ll book a follow-up meeting and begin preparing your personalised Strategy and Engagement Proposal.

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~3-6 HRS OF PREPARATION BY OUR TEAM, FOLLOWED BY A 60-MINUTE MEETING WITH YOU

Your strategy and engagement proposal

Behind the scenes, our team will review your circumstances and prepare a proposal outlining the key strategies we believe may benefit you and the scope of the advice and the investment required. We’ll then meet with you to walk through the proposal, explain how we work with our clients and outline what you can expect from the advice process. During the meeting, you'll have the opportunity to ask questions, understand the potential value of the advice.

→ If you decide you would like to proceed, you will receive a Letter of Engagement along with our Financial Services Guide.

~6-12 HRS OUR TEAM WORKS BEHIND THE SCENES

Your financial strategy

Once you agree to the Letter of Engagement, our team begins developing your financial plan. We review your existing accounts and structures, research the strategies most appropriate for your circumstances, and bring everything together into a clear and considered strategy document called a Statement of Advice (SOA).

Review your existing products and structures
Develop and stress-test strategies
Prepare your SOA

→ You'll have nothing to do yet — just sit tight while we do the work

~90 MIN · PRESENTATION OF ADVICE

Your strategy explained

We go through your Statement of Advice in detail. We’ll take you through your financial plan, explain the recommendations and show you how each strategy supports your goals. Ask anything, twice if you need to — this is your money and your decision. If it feels right and you're ready to move forward, you'll authorise an Authority To Proceed (ATP): our formal green light.

Walk through the full financial strategy
Authorise your ATP

→ You'll receive your Ongoing Service Agreement

ONGOING ADVICE

Bringing it to life

We work together to submit any applications to put the agreed strategies in place. We provide six monthly progress reports on the plan.

Implement advice
Daily monitoring of your portfolio and investment markets
Six-month progress reports
Annual progress meeting

→ You'll receive confirmation once everything's in place, and a plan for staying on track

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Important information

Financial Services Guide

Learn more about who we are, the services we provide, how we charge for advice and how we handle your personal information. We are required to provide this to you before or at the time we provide you with financial advice. View our Financial Services Guide.
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Your privacy matters to us. Learn how we collect, use, store and protect your personal information. Read our Privacy Policy.

Feedback and complaints

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