What is Financial Planning?
The Financial Planning Process

FINANCIAL PLANNING

What is Financial Planning?

Do you know how much you need to save before you retire?
Do you know how to invest money wisely for the long term?
Do you have the time to make investment decisions yourself or want the responsibility?
Do you know what is your most valuable asset and how to protect it?
Do you want to just pay the bills all your life?

If you answered NO to any of these questions then a Lifetime Advisers financial planner is the person you need to talk to.

A financial planner seeks to understand your financial situation and helps develop a financial plan with recommendations to meet your short and longer-term goals.

A financial plan known as a Statement of Advice can be simple or very involved and may take into account taxation laws, government regulations and benefits such as aged pensions, as well as resources, your lifestyle and aspirations.

We then monitor and review that plan to ensure it is still applicable to you over time. Quite often changes in your circumstances mean Lifetime Advisers will need to amend it’s advice from time to time. This is the major benefit of becoming a client of Lifetime Advisers. We really want to look after you and your family for life.

All licensed planners with Lifetime Advisers are members of the Financial Planning Association (FPA) and as such are committed to a code of ethics and rules of professional conduct, over and above what is required by law. They must also undertake continuing professional development.

All investment product advice is limited to that provided by Lifespan Financial Planning in its Approved Product List.

The Financial Planning Process

Step 1: Preparation

Before you contact Lifetime Advisers you should:

Compile a list of goals you want to achieve both in the short and long term
Gather together any information regarding current investments including superannuation, shares, employment etc
Download from the FORMS section of our website the Client Data Form.
Download Financial Services Guide (FSG) from FORMS section also
Complete Client Data Form as much as possible

Step 2: Book Appointment

Contact Lifetime Advisers to arrange a convenient time to meet
If you have a partner or are acting for a third party we strongly recommend that they also attend
You will be sent a confirmation letter

Step 3: 2-3 days before appointment

Save Client Data Form information as Word document and email to info@lifetimeadvisers.com.au or fax completed client questionnaire to (02) 9889 4995
If you don’t understand or don’t have all the information just complete what you can and send back; we can complete details in appointment time
If no information is provided then appointment will need to be rescheduled
Advantage of providing information beforehand means your planner can spend less time on obtaining background details of your situation and more time talking through your goals with you

Step 4: Attend appointment

Bring information regarding current superannuation, shares, employment etc
Allow between 30 mins and 1 hour for initial appointment
By the end of your appointment you should have a clear understanding of how we can help you, the services we will provide, how much it will cost you and what the next step is.

To make an appointment with a Lifetime Advisers financial planner Contact Us.

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Want someone who puts your interests first and offers unbiased advice in comparing loans, insurance and tax planning?

As licensed financial planners we incorporate your insurance needs into your overall financial planning and loan needs. We’ll tell you about the different types of insurance on offer - and the policies that are right for you.