Our Process
We offer you an initial meeting to understand in broad terms your needs and objectives and to agree with you that our services are right for you going forward. This meeting usually lasts for around one hour, the cost of which is met by us.
We charge for our advice and services by way of a fee which may be by an hourly rate, a fixed amount, a percentage base being deducted from the investment, an ongoing fee or a combination of. Prior to commencing any aspect of work, we will explain and agree with you the services you would like us to deliver and how you will pay for these.
We cannot and will not charge you a fee for work completed without your prior agreement.
You should be clear about the services you require and how you will pay for these before we proceed with any work that may incur a charge. We will not exceed a specified budget limit without first consulting with you and receiving your written commitment to proceed further.
Generally, we will levy the charge for our services at the end of a given advice and/or implementation process. However, we may agree with you payments on account before commencement and/or in stages.
If you choose to cancel an account, contract or policy where we have agreed the fees to be levied even if within the statutory cooling off period, we will apply the charges as advised and agreed at outset.
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Stage 1 |
Initial Consultation Meeting |
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Stage 2 |
Discovery Meeting |
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Stage 3 |
Advice and Recommendations |
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Stage 4 |
Implementation and Facilitation |
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Stage 5 |
Ongoing Review |
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We also segment our clients within one of three categories, which are Accumulators, Pre Retirees and Post Retirees. Click on the relevant links above to see what is included within the Ongoing Review element for each category. You can also refer to our Terms of Business.
As you would expect, we offer all of the modern ways for meeting clients including video conferencing, telephone or good old fashioned face to face.