Business Principles

Any personal advice you receive from a financial adviser must be appropriate to your circumstances. While you do have the right not to tell your financial adviser personal information, if you don’t, the advice you receive may not be appropriate to your needs and your financial situation.
The Financial Planning Association (FPA) sets out process steps that helps you take a ‘big picture’ look at where you are and where you want to be financially. Our advisers follow a procedure that adheres to the FPA’s recommendations and incorporates their own best practice experience. Using this process, they can help you work out what you may need to do now and in the future to reach your goals.

Our Four Step Planning Process allows us to understand your personal situation and continuously align your financial solutions with your circumstances and objectives. The steps are as follows:

1. Building a Profile
A thorough analysis of your situation and what you want to achieve is made. This includes identifying your personal risk versus return profile, financial and lifestyle goals and assessing key threats and opportunities.

2. Develop Solutions
Based on your input, our assessment expertise and our research resources, we develop strategies for you that will enable you to progressively advance your financial situation. Our Financial Planner explores all options before delivering the most appropriate solution in line with your agreed objectives.

3. Provide Recommendations – Statement of Advice (SOA)
A set of recommendations is prepared, with supporting research, for your consideration. This is then refined and adjusted in consultation with you until a prioritised course of action is agreed upon.

4. Implement and Review
Once you are satisfied with the proposed action plan, we organise the implementation for you and then agree on any review program required. In most cases to ensure your plan stays up to date and relevant to the economic climate and your changing lifestyle and goals, you should:
1. Review it at least once a year
2. Keep an eye on your investments
3. If major changes occur in your circumstances ask your adviser to review the advice

Our Advice Licensee - Matrix Planning Solutions:

Matrix Planning Solutions Limited (Matrix) is an independently owned Australian financial services company. More than 90 leading financial advisers have joined together under Matrix’s Australian Financial Services License to provide needs based advice to clients on a range of issues.

Matrix is responsible for the conduct of their advisers and financial advice.

Matrix Planning Solutions Limited is an Australian Financial Services Licensee and Life Insurance Broker, AFSL No: 238256.


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