The Financial Planning Process

WHY DOES IT MATTER?

First Steps in a Financial Planning Engagement

Discovery Meeting

We start by getting to know you — your goals, values, current situation, and priorities.

This is about understanding what’s most important to you, both now and in the future.

Information Gathering

Together, we collect key financial details (income, assets, debts, expenses,
insurance, superannuation, estate planning, etc.).

This creates a clear picture of where you stand today.

Clarifying Goals & Objectives

We help you define and prioritise your short, medium, and long term goals.

This ensures your plan is built around what truly matters to you.

Identifying Opportunities & Challenges

We highlight areas where your current financial setup is strong, and where there may be risks, gaps, or opportunities to improve.

Agreeing on the Next Steps

Together, we outline the scope of advice, expected timelines, and service approach.

This gives you clarity on the journey ahead before any formal recommendations are

developed.

Implementing the Financial Plan

Once your plan is agreed upon, the next step is putting the strategies into action. This stage is about turning recommendations into real outcomes.

Prioritising Actions

We outline which strategies should be implemented first and create a clear timeline.

Coordinating with Providers

We liaise with product providers, accountants, lawyers, and other professionals as needed to ensure a smooth process.

Managing Documentation & Applications

We prepare and submit the required paperwork, applications, and instructions on your behalf.

Executing Strategies

This may include establishing investments, restructuring debt, updating superannuation, arranging insurance, or estate planning actions.

Confirming Completion

You’ll receive confirmation once strategies are in place, along with a summary of actions taken.

Transition to Ongoing Service

After implementation, we move into monitoring and review, ensuring your plan remains on track over time.

The Value of Ongoing Financial Planning Services

Ongoing financial planning is more than a one-off plan — it’s a partnership that evolves with your life.
The key benefits include:

Adaptability to Change

Life, markets, and legislation change. Regular reviews ensure your plan stays relevant and aligned with your goals.

Accountability & Guidance

Having a trusted adviser provides accountability, helping you stay on track and make informed choices at critical moments.

Peace of Mind

Confidence comes from knowing that someone is monitoring your financial position and proactively identifying risks and opportunities.

Improved Decision Making

Access to ongoing advice ensures you make smarter financial decisions as circumstances arise, rather than reacting without a plan.

Optimised Long-Term Outcomes

Small adjustments made consistently over time compound into significantimprovements in wealth, lifestyle, and financial security.

"Financial planning gives you more than just numbers — it provides clarity, confidence, and control over your future. The process brings structure, while the true value lies in peace of mind, better decisions, and stronger long-term financial outcomes."