1
Gain Clarity
We begin with gaining clarity on your goals. We can’t develop your successful strategy if we don’t understand what ultimate success looks like for you.
2
Cash Flow
Next, we look at your current cash flow management strategy – is there is scope to increase your rate of savings without sucking the joy out of life?
3
Develop Strategy
With those two foundation elements done, it’s strategy time. What combination of the three pathways will work for you – shares, property, or self-employment?
4
Superannuation
We sometimes get asked “what about superannuation?”. Don’t worry, this hasn’t been forgotten. Superannuation is simply an ownership structure for your investments. In most cases it will predominantly be invested in shares, but of course there is no one size fits all here.
1. Discovery Meeting
What is the goal you are trying to achieve? What is your current financial and personal circumstances? The aim of this meeting is for you and I to get to know one another and start to build a working relationship. I can also answer any questions that you might have about us.
2. Research and Strategy Development
Following our initial meeting we get to work developing a strategy to achieve your goals. We may need some input from you during this process, clarifying key points to ensure the solution that we ultimately provide will work for you.
3. Strategy Presentation Meeting
We present to you our recommended strategy, how it would be implemented, and the time frame we expect it to take to reach your stated goal. Once again, this meeting can occur via web video call, phone or in our office.
4. Implementation
Following your feedback on the proposed strategy and any refinement required as a result, we then move to implementation. This is a collaborative element where we handle some elements and you handle others. We aim to project manage the implementation process to ensure the strategy is up and running and functioning as planned.
5. Support/Fine Tuning
Unexpected things pop-up. The Financial Autonomy program provides 12 months of support. We are available via email to assist you in fine tuning your strategy to ensure it is working for you.
Financial Planning services are provided by Guidance Financial Services Pty Ltd, Authorised Representative of Sprout Financial Pty Ltd AFSL 495546.
Transparency is extremely important to us. Here is what it will cost you to engage our services – nothing hidden and no surprises:
The Financial Autonomy Program costs $4,400, payable over 12 months.
At the conclusion of the Discovery meeting, if we both feel that there’s good scope for us to work together, $990 is payable for us to commence work on building your customised Financial Autonomy strategy. Note that if, following our initial discovery meeting, we determine we’re not a good fit for one another, no fee is payable.
The balance is payable via 11 monthly instalments of $310, starting 1 month from the initial Discovery meeting.
This fee covers the development of your plan, any refinement following feedback from you, full implementation of the recommendations, and support as required for 12 months. At the conclusion of our engagement, you will have a customised strategy up and running and be on the path to achieving the life choices you are seeking.
Should you wish to continue to receive on-going support on your journey to Financial Autonomy after the initial 12 months has ended, for $120 per month we provide an annual review of progress towards your goals and consider whether any changes to the strategy are warranted. You also have email support throughout the year to answer any questions that might crop up.
Should you engage us in an on-going capacity, and your strategy involves an investment portfolio, we also charge 0.55% per annum of the investment portfolio balance, collected monthly, to provide investment advice. So for instance on a $50,000 portfolio we would charge $22.92 per month in addition to the standard $120 monthly fee.
Thanks very much for your 10/10 financial planning service. We are so pleased that we approached you to guide us with our goals towards financial autonomy. We will do our very best to spread the word far and wide of your excellent planning. Your well-structured and comprehensive documentation, coupled with your honest, sincere, and 'can-do' manner during our meetings, were clear stand-outs. You have provided us with a very clear pathway to financial freedom, and at a fair price, which has assured us that we are now heading in the right direction.
Ian & Jeanette Hodges
Having never dealt with a Financial Advisor before, I was very nervous at first but found Paul to be very professional and understanding, answering my questions and needs. I have been very happy with the investments Paul has chosen, and he is more than helpful with any questions or queries to assist me in a prompt manner. I would recommend Paul to any of my friends or family.
Brian Taubert
My sister would benefit from a chat with you & I have made a strong suggestion to her to do so. I am thinking I should have sought you out a year ago.
Steve Winzar
Paul is very thorough and is very available to answer or clarify anything. Paul presented all our options and was a pleasure to deal with.
Rita Karagiannis
Thank you so much for making it very clear what would be the best options for me and my family’s future. I am very happy.
Joanne Pope
