PHILOSOPHY AND MISSION STATEMENT

OUR PHILOSOPHY:
The world's major change forces are: Globalization of commerce, technological and financial innovations, increased consumer demand and the advent of self funded retirement. Australia is sitting on a social welfare time bomb. In 30 years we will not have enough employees to pay for our unemployed and retired. Investors face greater levels of complexity than ever; many are confused and uncertain. They seek leadership in their financial lives. When the new wave of financial information became available in the 1990s, clients began to confuse information with knowledge. Quality information is useless without the skills to interpret it, and dangerous if plans are implemented without discipline.

Affluent clients hire people rather than companies. Their decision to appoint an advisor in an increasingly complex investment landscape, will be based more on individual criteria than corporate branding.

OUR MISSION:
To help our clients build and protect their net worth and provide ongoing guidance and practical assistance in the creation and retention of their wealth in uncertain socio-economic times.

OUR FIRST DUTY
Is to you. We will use our professional knowledge and ability to provide advice and services that best suits your needs.

WHAT WE DO:
We work with you in a process designed to:

• Discover your needs, expectations, goals, concerns, risk tolerance and time span to formulate a detailed plan comprising our recommendations (a "financial roadmap")- we believe its implementation should enable you to achieve your objectives, if and where realistically possible.

PROCESS

1. Lifestyle planning is based on the establishment of achievable, quantitative lifestyle goals.
2. Yet the fact is, most people's goals are not clearly defined, so clients are often ill prepared for the process, and they don't understand what it will take to achieve these goals.
   

The first and most important step in the financial planning process is personal goal setting. Our job is to help you articulate long term goals in the context of your current financial situation, then:

1. Appropriate lifestyle and financial goals are agreed at the onset.
2. You will be informed of the outcomes of your present savings patterns.
3. We will present you with a set of options, you can work through, comprising strategies and technical recommendations based on the analysis of your affairs to achieve your goals.
4. You will need to make a decision about the plan of action and the level of investment risk agreed upon to reach your goals.
5. As part of this, we integrate with other professionals, as your gateway to a team of specialists, who will meet all your financial and legal needs. Like them, we charge a fee for this strategic financial plan, invoice consulting fees and or receive brokerage if applicable.

EXPECTATIONS

1. We are happy to accept clients with varying levels of assets, as long as they are able to demonstrate a willingness and an ability to save and grow their assets and are able to make decisions in relation to the proposed strategies.
2. We see our role as that of facilitators in terms of the decision making process. Ultimately you the client have to make the final decision.
3. As part of our ongoing relationship, we have a 'duty of care' which includes conducting regular, timely reviews in light of possible changes in your personal circumstances, legislative and market changes, to revisit the continuing appropriateness of your financial plan strategies and asset allocation decision.  It’s a process more about looking forward than looking back. Planning is a process, not an event. The initial plan is really the first step. The most important part of a financial plan is the achievement of the set aims.
4. We firmly believe that to make sure your financial program stays relevant with your evolving circumstances in an ever-changing world, we should meet for a review of your affairs at least every 12-18 months, and will call you for an appointment to that effect. 

YOUR COMMITMENT:
The creation of a detailed plan is simple, compared to the discipline and commitment required by yourself to consistently successfully implement required strategies to achieve your agreed goals. We'll help you to build your wealth, as long as you are prepared to save and do what is required to protect your assets.