New Client process
Financial planning is a tailored journey designed to help you reach your goals by aligning your financial choices with your values, focusing on more than just products or investments.
All New Clients start with a 15 minute phone call:
We will discuss your goals, values, and concerns, ensuring our service is a suitable match
In-person Meeting:
Dive deeper into your financial situation using an "All About You" questionnaire
Outline a preliminary plan and explain fees
Research and Strategy Planning:
With insights into your goals and financial status, we will examine various options, analysing investment strategies, risk tolerance, tax implications, and other important factors.
Presentation of Your Road Map:
During the advice presentation meeting we will share our proposed strategy to help you achieve your goals, detailing our recommendations and allowing time for your questions.
Implementation of Recommendations:
Once you're pleased with the strategy, we will support you in its execution, which may involve completing application forms or coordinating with third parties solicitors or accountants.
Welcome to the TNSFG Family!:
Congratulations on taking these steps towards your financial aspirations. We are here to guide you throughout this journey.
Ongoing Reviews:
While our initial recommendations provide a strong foundation, life is ever-changing. We will regularly assess your progress and make adjustments as necessary
Keep in mind, financial planning is more than just products or investments; it’s about aligning your financial choices with your values and dreams. Welcome aboard
Things we can help with
At our firm, we understand that everyone’s financial situation is unique. Once we’ve determined your priorities and goals, we can assist you with a variety of financial services. Here are some common areas where we can provide guidance:
Superannuation Analysis
We’ll carefully assess your superannuation fund(s) to ensure they align with your current circumstances and retirement objectives. Our analysis includes evaluating the overall structure, associated fees, investment options, and any available insurance coverage. Additionally, we’ll explore strategies to enhance your retirement benefits and minimise taxes.
Personal Insurances
Protecting yourself and your family financially is crucial. We’ll help you explore personal insurance options, which cover situations where you may be unable to work due to injury, illness, or unfortunate events. Whether you have debt, dependents, or earn an income, having appropriate insurance is essential.
Budgeting and Income Planning
Taking control of your income and changing your money mindset are essential steps toward achieving your financial goals.
Debt Management
Debt is a common aspect of modern life. We’ll assist you in optimising your debt situation, whether it’s structuring existing debt or exploring options for home loans, investment borrowing, and debt reduction strategies.
Retirement Planning
Once we understand your retirement goals, we’ll develop tailored strategies to maximise your retirement benefits. This includes leveraging superannuation and other assets effectively. We’ll also consider potential Centrelink benefits to ensure you can enjoy a comfortable retirement without financial worries.
Investment Options
Navigating the vast array of investment choices can be overwhelming. Our personalised recommendations will align with your unique circumstances and goals. Whether you’re interested in short-term or long-term investments, we’ll guide you toward suitable options.
What are the fees?
We are a fee for service advice firm, meaning we receive no commissions from investments or superannuation.
This ensures the advice provided is suited to YOU and not based on any specific benefits we may get from providers.
We do have an option to receive commission from insurance providers based on the cover recommended. We sometimes do this as it can cover the implementation fees associated with the insurance recommendations. We will determine the most appropriate option for you.
Advice Fee
The advice fee covers the initial process, including the following: meetings, collating information, researching and determining most appropriate recommendations and presenting these recommendations to you.
This fee is payable regardless of whether you want to implement all, some, or none of our recommendations.
Implementation Fee
The implementation fee covers implementing each of our recommendations made. We will then follow up during the process to ensure everything is implemented as per our expectations.
