INITIAL STAGE
DISCOVERY STAGE
We begin every new relationship in two parts. The first part is designed to allow both parties to get to know each other and to form a client/adviser relationship. It is at this stage we ascertain what your goals, concerns and dreams are.
The second stage incorporates gathering information of a quantitative nature so in total we, as advisers, can provide advice and solutions.
We will also undertake an investor risk profile analysis to assess your attitudes towards risk. A scope of works letter will then be sent to you detailing the steps forwards and outlays involved.
THE FINANCIAL PLAN
The primary purpose of this plan is to inform you in detail, clearly and concisely, what is proposed and recommended as a strategy. Further, it serves as an accurate reference point for both client and adviser, enabling subsequent investment decisions to be fully co-ordinated with the original; financial structure
The Master Plan will include the following sections:
Where are you now?
Details of your current circumstances and resources. This demonstrates the personal nature of the plan - it is specific to you only:
~ Where do you want to be
Details of your needs and objectives.
~ How you get there
This is the strategy section, including recommendations specific to your needs.
~ The Outcome
This section seeks to quantify outcomes of the recommend strategy by detailing cash flows, taxation and projections.
THE IMPLEMENTATION PHASE
This is an administration function actioning the recommendation of the plan. Our administration team sees to the implementation and technical documentation generated from the establishment of your financial strategy.
The team will liaise directly with you, outlining ongoing status and confirming details throughout the completion of your personalised strategy.
ONGOING PROCESS
Following the initial stage where your customised strategy has been developed and actioned, our next phase is to ensure our plan remains relevant to your ever changing goals and circumstances. This is where our ongoing client care service takes over; providing you with peace of mind that your financial security is assured. Our ongoing service offer caters for all types of clients and the level of service you receive is based on the amount of work we do and the level of assets we are responsible for. Our specific services are as follows:
LEVEL 1: ASSETS
EXCEEDING $2 MILLION
- 4 Personalised strategy meetings PA covering:
- Measuring progress against state goals.
- Identifying significant current and/or future changes to your personal and financial situation and projecting the results benchmarked to your goals and objectives.
- Devise and implement strategies to realign your current plan with achieving your goals.
- Daily portfolio appraisal and advice including:
- Review of model asset allocation and suitability of reweighting.
- Review and analysis of selected investments and restructure of model portfolios.
- Daily contact on portfolio appraisal if required.
- Direct hotline assistance to adviser with 2 hour response time.
- Quarterly portfolio performance reports including:
- Portfolio valuations and cash statements.
- Reporting on investments including managed funds and shares.
- Analysis of investment performance in comparison to benchmarks.
- Appraisal and commentary of current economic climate.
- Recommendations on strategic changes such as reweights, restructuring, disposals and acquisitions.
- Regular emails and newsletters.
- Online reporting.
LEVEL 2: ASSETS
$1 MILLION - $2 MILLION
- 2 Personalised strategy meetings PA covering:
- Measuring progress against state goals.
- Identifying significant current and/or future changes to your personal and financial situation and projecting the results benchmarked to your goals and objectives.
- Devise and implement strategies to realign your current plan with achieving your goals.
- Daily portfolio appraisal and advice including:
- Review of model asset allocation and suitability of reweighting.
- Review and analysis of selected investments and restructure of model portfolios.
- Weekly contact on portfolio appraisal if required.
- Direct hotline assistance to adviser with 4 hour response time.
- Quarterly portfolio performance reports including:
- Portfolio valuations and cash statements.
- Reporting on investments including managed funds and shares.
- Analysis of investment performance in comparison to benchmarks.
- Appraisal and commentary of current economic climate.
- Recommendations on strategic changes such as reweights, restructuring, disposals and acquisitions.
- Regular emails and newsletters.
- Online reporting.
LEVEL 3: ASSETS
LESS THAN $1 MILLION
- One Personalised strategy meeting PA covering:
- Measuring progress against state goals.
- Identifying significant current and/or future changes to your personal and financial situation and projecting the results benchmarked to your goals and objectives.
- Devise and implement strategies to realign your current plan with achieving your goals.
- Daily portfolio appraisal and advice including:
- Review of model asset allocation and suitability of reweighting.
- Review and analysis of selected investments and restructure of model portfolios.
- Monthly contact on portfolio appraisal if required.
- Access to advisers with same day response time.
- Quarterly portfolio performance reports including:
- Portfolio valuations and cash statements.
- Reporting on investments including managed funds and shares.
- Analysis of investment performance in comparison to benchmarks.
- Appraisal and commentary of current economic climate.
- Recommendations on strategic changes such as reweights, restructuring, disposals and acquisitions.
- Regular emails and newsletters.
- Online reporting.
RISK ONLY
- Strategy review with your adviser (minimum once every 2 years) to cover:
- Full appraisal of all policies held including sums insured, terms and definitions, and exclusions, or loadings and tax restructuring.
- Specific advice and recommendations on policies to meet your needs.
- Prepare policy summary schedules detailing your current insurance portfolios annually (smaller portfolios every 2 years).
- Attend to all administration relating to implementing and managing your policies.
- Regular emails and newsletters.