Our Advice Process

We get to know you – very well

We will conduct one efficient fact finding exercise with you, at a time that suits you, to understand your current financial circumstances and your long term financial goals. This exercise will capture:

  • Your demographic information
  • Your current assets outside of super
  • Your liabilities
  • Your existing superannuation balances
  • Your current monthly budget
  • Your attitude to investment risk
  • When you want to retire
  • How much you want to live on in retirement
  • Any bequests that you may wish to leave
  • Your state of health
  • Any particular plans for retirement e.g. overseas travel
  • ….and more….

We work with you to clarify and quantify your financial goals

Using our bespoke actuarial modelling tool, we calculate millions of future scenarios of possible investment returns and longevity outcomes to provide you with the likelihood of achieving your financial goals without running out of money in retirement.

We compare this to your likely outcome if you do nothing

We create a personalized report for you with our research results and present this to you

 

 

 

Achieving your goals is a balancing act

We will show you how altering inputs such as:

– How much you contribute to superannuation

– Your intended retirement date

– How conservatively you invest your assets, and

– How much you spend in retirement

……….will affect the likelihood of you running out of money in your retirement.

Together we will agree your financial strategy and roadmap

After working through scenarios with you and showing you how they impact on your financial outcomes,
we will, based on your feedback, agree the final parameters that will give you the greatest chance of meeting your goals.

We will then issue a final Statement of Advice, setting out the agreed steps to meeting your financial goals.  This will include advice on :

– When to retire
– Where to invest;
– How much to invest; and
– How much to spend in retirement

Your retirement goals may have conflicting requirements and we will solve for the optimal outcome

 

 

ABOUT | ADVICE PROCESS |INVESTMENT APPROACH | IMPLEMENTATION & REVIEW  | WHY ? | FEES

Please click here for our Financial Services Guide, which includes important regulatory disclosures regarding our license, remuneration and complaints handling.
General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness.