The level of involvement you choose depends on your goals and life stage. You may only want to meet with an adviser when something happens that causes you to reconsider your finances, like buying a house or starting a family. Or you may want a comprehensive, long-term plan.

Depending on the advice package you choose, we will be there to give you:

• access to advice throughout the year
• a mid-year review of your objectives and strategy
• an annual review of your goals, financial position and strategy.

Our comprehensive approach to financial advice

We’ll work to understand you, your attitude to money and investment risk, what you want to achieve and where you are right now. It may be as simple as rearranging your budget, making smart decisions about saving and investing, or protecting yourself from the unknown.

In understanding what you want, we’ll develop a plan and show you how to move from where you are now to where you want to be. As you reach milestones, different life stages and as other things change, elements of your plan may need to change too. We can show you how your money can work harder—earning you more and costing you less. And by identifying any financial risks you are exposed to, we can make sure you look after what’s important to you.

What you can expect?

Whenever you want to discuss your finances, we’ll take a step-by-step approach. Typically, your adviser will:

• meet with you to identify and agree on the advice you need
• collect information and discuss costs upfront
• define your goals and current position
• consider your options
• provide recommendations in writing
• discuss and agree on recommendations
• implement recommendations
• review your objectives and finances to make sure you stay on track.
  

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