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Your first appointment
What to expect
Once you’ve made the decision to see an adviser, what can you expect from the advice process?
The first step is a meeting with a financial adviser. You do the talking and the adviser does the listening, and there is no obligation to take things further.
The whole idea is to get to know each other, find out how your adviser can help you, and discover what you can expect to pay for any advice.
Then if you wish to continue, the next step is to develop a strategy to suit your particular situation and goals. Advisers draw on their own experience as well as the research and technical resources of the RI Advice Group.
After that your adviser and their team will be there for you, year in year out, to help you with sound professional advice, to answer your questions, and to make managing your finances easy so you can live the life you want.
The Planning Process
The following diagram illustrates the steps you can expect from the planning process.
1. First Appointment together
- Getting to know you
- Discuss the Financial Services Guide
- Understand your goals and objectives
2. Getting all the facts
- Complete a personal and financial profile with you
- Determine your tolerance to risk
- Develop a clear picture of your financial situation
3. Agreeing on the service
- Letter of engagement
- Confirm our services
- We consider, evaluate and prepare
- Discuss services and costs involved
4. Advice preparation
- Analyse possible strategies and options
- Where required, we research legislation and potential products
- Prepare recommendations
5. Advice presentation
- We present advice – the Statement of Advice (SoA)
- Discuss SoA and Product Disclosure Statement
- You consider our recommendations
- If you feel comfortable, you sign the authority to proceed
6. Implementation and ongoing review
- Implementation of agreed strategy
- Consider portfolio performance and changes
- Consider new legislative opportunities and threats
- Review of your financial situation, needs and objectives
As you can see, the whole planning process is simple and straightforward, leaving you with the time and peace of mind to enjoy the more important things in life.
This is general information only and is not intended to constitute financial product advice. It has been prepared by B&E Ltd in conjunction with RI Advice Group Pty Ltd ABN 23 001 774 125 without considering your individual objectives, financial situation or needs.
We recommend you consider its appropriateness in light of your own circumstances and consider seeking professional advice relevant to your specific needs before making a decision based on this information.
Any financial product advice you receive under this financial advice offer will be provided by an Authorised Representative of RI Advice Group Pty Ltd (not B&E Ltd). RI Advice Group Pty Ltd holds Australian Financial Services Licence No. 238429. B&E Ltd acts as an intermediary for RI Advice, not as your agent. B&E Ltd does not guarantee any benefit or outcome under this financial plan. We recieve commission from RI Advice. Details can be found in our Financial Services Guide (FSG).