As Financial Planners we work in partnership with our clients to ensure they are on track to meeting their financial goals and objectives.
At Surveyor Financial Services we have experience and passion. Our goal is to ensure that you acheive your financial success.
1. At what point in your life should you start tracking your finances and setting finanacial goals for the future?
2. Have you planned for a future that is financially secure?
3. Importantly, what happens if you have an unexpected illness that leaves you with expensive medical bills?
By setting realistic financial goals early you will be able to move through life without the discomfort of worrying about how your current personal finances will fit into your next stage of life. The achievement of these goals means you are free to live with a sense of structured freedom.
We all have different personal circumstances so the most important consideration when setting your financial goals are that they are appropriate for you. If your goals are realistic you will have more of a chance of achieving them. Whilst it is good to start planning for your retirement early, it is going to be hard to see value in investing within your super when you are in your 30’s. For this reason, a person in their 50’s will likely have a different set of goals to a person in their 30’s.
Setting personal financial goals should not be difficult and with the help of a financial planner you should soon be on track to achieving your short term goals and setting yourself new ones for the medium and long-term, even if the long-term is 30 years away!
Of course, life is like a rollercoaster with unexpected dips and turns which may affect the achievment of your goals. For this reason we will always discuss with you your Plan B, whether it be an emergency savings fund or an insurance policy that will help you and your family in the event of lost income, or unexpected injury or death.
As Financial Planners, we review all aspects of your financial situation and discuss with you your goals and objectives then work with you to develop a carefully constructed financial plan that is tailored to your own situation.
Steps of the Advice Process
YOUR FIRST MEETING – SETTING YOUR GOALS
At your initial meeting we will ask you to outline your financial and lifestyle goals and objectives. We will ask you questions and start discussions about your current situation, as well as gather personal and financial information to gain a better understanding of you. It is important that we fully understand your situation and your desired outcomes and that we discuss realistic expectations.
We understand how difficult conversations regarding money can be, however, the more we know about you, the more meaningful and appropriate our advice will be.
There is no cost for this meeting.
STRATEGY MEETING
Often, situations are complex and require additional meetings. This second meeting will give us time to ensure we look at every aspect of your situation and to present ideas that we feel will benefit you.
Once we have an understanding of your situation we can start looking at the options and strategies that are worth exploring further.
We will provide you with an outline of costs associated with going forward with our recommendations.
PRESENTATION MEETING – PROVIDING ADVICE
We will consider all the information you have given us and look at the strategies that will enable you to meet your goals and objectives. We will draft a personal financial plan (Statement of Advice) which has strategies tailored to your situation that explains why we feel our advice is appropriate for you.
Your presentation meeting is an opportunity for us to explain to you, in a way you will understand, your tailored financial plan which should answer your concerns and provide comfort that you are on your way to achieving your goals.
Fees for initial and ongoing advice vary depending on the complexity of your situation but will be outlined to you before this presentation meeting. Often it is possible to pay for these advice fees from your super.
IMPLEMENTING YOUR STRATEGIES
Once we have determined how to reach your goals and agreed on the recommendations, we will begin implementing our advice.
We will ensure that all advice is in place as per our agreed strategies and that you are kept informed of its process.
REVIEWING YOUR PLAN
Once your strategies are implemented, our team will monitor these and be available for support. As your circumstances change we will work with you to ensure we make the best of your changing circumstances and adjust your financial plan if necessary. We will invite you to meet with us to review your situation on an ongoing basis to ensure that you remain on track to achieving your goals and that it still matches your needs.
It is important to us that our clients value our advice and work cooperatively to ensure that all changes in circumstances are communicated to us during our review meetings. We maintain the integrity and relevance of our financial advice by regularly reviewing strategies and making adjustments where necessary.
Your ongoing advice fees will be reviewed in this meeting and you will have the opportunity to discuss these fees with your adviser if you feel you are not receiving adequate service.
ADD VALUE
There is no substitute for experienced advice. Our advice will save you time. We can save you tax, protect what is most important to you, assist you to accumulate your wealth and manage and reduce your debt. This means less stress for you and peace of mind that your finances are taken care of.