The Role of a Financial Planner

A Financial Planner is your constant guide through all life's major decisions

Organising your financial affairs can be complicated when you consider the broad range of events and activities that come under the heading of Financial Planning. A Financial Planner can provide invaluable assistance in the various scenarios we may encounter in our lives, and give you the assurance that you are making decisions based on a clear understanding of all the options. A financial planner can help you navigate through many of the issues and events in life that have a financial impact, such as:

Organise and Manage Finances
Career Advice
Planning for Retirement
Marriage and Children
Running a Business
Wealth Management
Funding for College
Receiving a Financial Windfall
Personal Protection

A conscientious financial planner will also ensure that the client's financial plans will always provide the best option based on the current state of the economy. In order to do this a financial planner will generally

  1. Meet with their clients regularly in order to review current economic conditions and market forces and suggest strategic changes to their investment portfolio.
  2. Assist clients in reaching a sensible estimate of income requirements and lifestyle expectations in order to effectively plan for the future.
  3. Present a number of investment strategy adjustments in line with their client’s tolerance of risk in their portfolio.

 

While each of the areas outlined above can involve a good deal of complexity, we give a brief outline of each below.  For a more detailed information on any of these issues please click on the links in each section. Of course the best way to get a full understanding of your options is to give us a call. Get in touch today.

Planning for Retirement

This is what most people first think of when they think of financial planning, and this is to be expected given that it is one of the most important decisions one will be likely to make in their lifetime. The key decisions here generally relate to the kind of retirement you want to have, how to provide for some access to lump sum cash in an emergency, etc. A financial planner will be able to help you organise and prioritise elements of your plan, then design a suitable portfolio to make that dream come true. To find out more about your options for retirement planning: [link to retirement planning page]

Wealth Management

Wealth management concerns itself mainly with financial and investment advice that is designed to increase a client’s wealth based on the client’s goals and attitudes towards certain levels of investment risk. By using a financial planner in this way you are spared the inconvenience and risk of trying to integrate various pieces of advice and product information from a range of sources, and instead benefit from a holistic approach whereby a single manager can coordinate all of the required services to manage their wealth and plan for current and future needs.

Personal Protection

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Business Protection

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Financial Planning Standards Board

Professional Insurance Brokers Association

Certified Financial Planner