The 8-step financial advice process

To help you create a secure financial future we employ our disciplined 8-step financial advice process

  1. We start by assessing your current financial position including your financial life-stage, assets & liabilities, savings capability, personal risk insurance requirements, retirement income requirement, Centrelink entitlement position, and so on. We then help you define your short, medium and long term lifestyle goals. What do you want your lifestyle to look like – now and in the future?
  2. Then we convert your lifestyle requirements into clear financial goals and objectives. How much money do you need to fund the lifestyle you want – now and in the future?
  3. Next we develop your financial, wealth, retirement, taxation, Centrelink, and risk management strategies – and determine the required investment return – which will enable you to meet your financial goals and objectives.
  4. We then determine the mix of assets (i.e. shares, property, bonds and cash) which will reliably help you achieve your required investment return.
  5. Importantly, our next step is to determine your tolerance to investment risk (i.e. the fluctuating nature of investment returns). Then we compare your risk tolerance to the level of risk inherent in the asset allocation plan we have developed for you. Do the two match?
  6. If they do not match, there is a gap which will most likely result in you being unable to achieve your goals. Therefore, before we proceed further, we work with you to help you reach a compromise which gives you comfort on all fronts. We call this our ‘Gap Analysis Procedure’. (see below for more information).
  7. Once our ‘Gap Analysis Procedure’ is complete, we finalise your financial plan to ensure it is focused on meeting your preferred financial and lifestyle goals. We then, on your approval, implement each of the recommended financial strategies and arrange the purchase of the recommended investments and personal risk insurances on your behalf.
  8. Once your plan and investments are in place, we regularly review them to ensure they continue to perform as expected. If they do not, or if your situation changes, or external factors change, we will recommend appropriate modifications to your plan and investments.

Back to Our Financial Advice


P| 08 8130 5540 F| 08 8127 8016

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Find us at 185 Fullarton Road, Dulwich SA 5065


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The information provided on this website is general in nature. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your AUPFS Authorised Representative before you make any decision regarding any strategy or financial products mentioned in this site. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither AUPFS nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.

The Trustee for Plus Seven Financial Management Trust trading as Plus Seven Financial Management ABN 11 211 901 965 is a Corporate Authorised Representative (No. 1007915) of Australian Unity Personal Financial Services Ltd (AUPFS) ABN 26 098 725 145, an Australian Financial Service Licence holder (AFSL No. 234459).

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