Financial planning
A plan built around your life, not a product list.
Good advice gives you more than recommendations. It gives you a clear view of where you stand, what is possible and which decisions deserve attention first.
The work begins with your position
Connect the parts.
We take the time to understand your family, work, business interests, assets, debt, cash flow, obligations and goals. From there, we build a strategy that connects the parts rather than treating each one as a separate sale.
Personal advice is provided only after the scope, terms and fees of an advice engagement are agreed.
Areas of advice
What the strategy can cover.
Superannuation
Contribution strategies, fund selection, consolidation, investment settings, pensions and the role super should play in the wider plan.
Wealth creation
Practical strategies for investing surplus cash flow, using available structures and building wealth with an appropriate level of risk.
Personal insurance
Life, TPD, trauma and income protection assessed against your real financial obligations and existing resources.
Retirement planning
Cash flow, super pensions, investment structure, timing and contingency planning for the years ahead.
Estate and beneficiary considerations
Work with your legal advisers so ownership, nominations and intended outcomes line up.
Debt strategy
Consider the role, ownership, deductibility and risk of debt as part of the financial strategy. Credit assistance is arranged separately through Financial Relationship Management Pty Ltd, a Money Quest credit representative.
Strategy first
Implementation second.
A strong recommendation should make sense before a provider or product is selected. We explain what we recommend, why it fits, what it costs, the risks involved and the alternatives considered. If you proceed, our team coordinates the work and keeps you informed.
Our process
Discovery through review.
Discovery
Understand the full position and what a successful outcome means to you.
Scope
Agree on the areas in which advice will be provided and the fees involved.
Strategy
Test the options, trade-offs, risks and sequencing.
Advice
Present the recommendations in a formal advice document and talk them through with you.
Implementation
Put the agreed strategy in place with clear ownership of each task.
Review
Revisit the plan when circumstances change or at an agreed review point.
Start here
You do not need to know which product you need.
Start by telling us what is happening.