FINANCIAL PLANNING

We at Capital Focused understand that you are busy attending to the commitments of every day life. Due to the fast paced lifestyle many people these days enjoy, it is all too easy to get caught up in daily tasks with long term planning taking a back seat. Furthermore, the intricacies of investment, taxation and consistent regulation reform make for a complex environment for most people to navigate when managing their financial affairs.

Capital Focused can offer a wealth of experience and knowledge to help you develop investment and risk management strategies in order to meet your life goals, obtain financial independence and most importantly, gain peace of mind for you and your loved ones.

Our extensive experience in the financial services industry has led us to favour the development of a highly individualised method of financial planning, centred on a relationship based approach.

At Capital Focused we follow a time-tested process to developing your financial plan:

1. Getting to know you and your situation

In order to develop personalised strategies for you, we must first familiarise ourselves with your current situation. In our first meeting, we’ll explore how we can help you. Initially, we’ll discuss your current financial situation and then enquire about your goals for the future. Should you wish to engage our services, all fees and charges will then be established and explained to you.

2. Clarifying your Goals and Objectives

At this stage, we will work with you to develop and clarify your financial priorities and goals for the future. Your objectives will form the basis of our early financial advice. Your plan will be reassessed regularly and we will review your situation and goals at these times so that our advice remains true to your circumstances and ambitions.

3. Identifying Risk and Opportunities

By conducting a thorough analysis, we are then able to detect any opportunities and risk in your financial future. This analysis will further contribute to our development of your plan in combination with our industry experience and expertise.

4. Creating your Financial Plan

Our next task is to prepare your detailed financial plan which includes a summary of your current position and detailed advice about suggested financial strategies for your future. This is also known as a Statement of Advice.

At this stage we will:

  • Work through the plan with you, explaining any recommendations.
  • Answer any of your questions.
  • Ensure you are fully informed of the implications of the advised strategies.
  • Highlight any fees or commissions related to the advised actions.
  • Provide you with full details of any recommended products, including any applicable Product Disclosure Statements (PDS).

5. Actioning the Recommendations

Once you are fully informed and would like to proceed, Capital Focused will action your financial plan by setting up any investment or insurance products that were recommended. In this process, if required, we will collaborate with other professionals that manage your finances, such as your bank, accountant, or solicitor for a seamless and efficient setup.

6. Yearly Review

At Capital Focused, we know that circumstances, lifestyle and financial goals will most likely vary throughout your life. For this reason we conduct yearly reviews of your financial plan. We will contact you in order to arrange a convenient time to conduct this review and ensure that our advice and your financial plan remains personal, customised and relevant indefinitely.

This is general advice only and does not take into account your financial circumstances, needs and objectives. Before making any decision based on this document, you should assess your own circumstances or seek advice from a financial planner and seek tax advice from a registered tax agent. Information is current at the date of issue and may change.