Charter Plan's advice process

1. Financial Planning - Building Blocks
Retirement
(age 55+)
- Pre/Post planning
- Succession planning
- Worry free retirement
- Centrelink?
Transition to Retirement
(age 50+)
- Highly tax-effective
- Build wealth fast
Wealth Creation
(non-super)
(age 30 - 60+)
Superannuation
(age 30 - 60+)
- Emergency fund
- Budgeting and cash flow
- Shares, property, gearing
- Trusts
Create a successful retirement.
Tax-effective wealth creation.
SELF-MANAGED SUPER
Life Insurance
and Estate Planning
(age 25+)
- Protect your wealth
- Replacement of income
- Pay-off debts

2. FINANCIAL PLANNING
What’s
Important To
You?
Strategy
Emotions and
behaviour
Risk Tolerance
Portfolio
Management
Taxes and
other costs

3. FINANCIAL PLANNING
HUMAN SIDE OF FINANCIAL PLANNING LOGIC SIDE OF FINANCIAL PLANNING
What’s important to you
- What are your goals (financial and lifestyle)?
- What are your values?
- What do you want to achieve?
- What is your timeframe?
Strategy
- How should you optimally use your financial resources?
- How can you take advantage of superannuation rules?
- What structures should you use?
- What timing should you apply?
Emotions / Behaviour
- How do you feel about your options?
- What is a good and a bad outcome?
- How much help do you need to ‘stay the course’?
- We become your ‘financial partner’.
Investment Selection & Management
- What asset class(es) should you invest in?
- Strategic asset allocation or Dynamic/Tactical?
- Should you invest directly, or indirectly?
- Do you need the help of a specialist?
- Do you prefer ‘buy & hold’ or more active management?
Risk Tolerance / Attitude
- What is your experience with risk and uncertainty
- What is your capacity for risk?
- How much risk do you wish to bear and how much would
you like to offset?
Taxes and Costs
- How can we help you to reduce your taxes?
- How can we keep your investment costs low?
WHAT WE DO
WHAT WE DON’T DO
- Short-term market predictions
- Speculation / short-term trading
- Promises to ‘beat the market’

4. Financial Planning is a journey, not a destination
Your Goals
& Values
Analayse
Plan
Implement
Review
We start
Here