Managing your finances is just as important as managing your health, home, career, lifestyle and education.
In fact, without a good financial foundation, many of these things become much more
difficult to attain. That’s why no matter what your goals are, it pays to get professional advice from a
A qualified financial planner can look at your individual circumstances and provide advice on buying a
house, managing an inheritance, funding your children’s education, tax planning, preparing for
retirement, insurance, estate planning and more. Each area of finance has ever-changing laws and
regulations that are complex and often require specialist knowledge and expertise.
You’ll not only get peace of mind that you’re making the right choices with your hard-earned money in
the short term, but can feel confident about your financial future.
HOW IT WORKS
When you see an SF Wealth Financial Adviser, you’ll get professional advice that is tailored to your
needs. Using our 7-step methodology, we create a strategy and support you every step of the way, so
you stay in control of your finances and achieve your financial goals.
Step 1: Create a roadmap
“To know what you know and what you do not know, that is true knowledge.” Confucius
It’s difficult to reach a destination unless you know exactly where it is and how you’re going to get
there. In our first few meetings, we’ll equip you with the right knowledge, so you can look at all
options available and confidently define your goals. We’ll explain our process in detail, including our
background, how we work and what we charge.
Step 2: Conduct due diligence
“Due diligence is the mother of all good fortune.” Benjamin Franklin
We conduct due diligence to determine the status of your financial health, identify potential
weaknesses that may lead to bad decisions and gain additional information that may be useful when
developing your strategy. During this process, we’ll work with you to get a good understanding of your
cashflow, assets and liabilities, risk profile and ability to handle financial stress. This due diligence is
used as the foundation for developing your financial plan.
Step 3: Develop a strategy
“A good financial plan is a roadmap that shows us exactly how the choices we make today will affect
our future.” Alexa Von Tobel
Now that we’ve defined your financial goals and fully understand your financial situation, we create a
strategy that suits your lifestyle and allows you to manage your wealth in the most tax-efficient way.
We’ll guide you through each step of your financial plan to make sure you’re comfortable with our
approach and happy with the structure of your investments.
Step 4: Stay on track
“An idea can only become a reality once it is broken down into organized, actionable elements.” Scott
Once you’re ready to proceed, we’ll put your financial plan into action and work with our team of
experts to help you organise your finances and keep you accountable. We can also provide you with
the advice and tools to fine-tune your financial plan as your build your wealth or when your
Step 5: Build your team
“If you think it’s expensive to hire a professional to do the job, wait until you hire an amateur.” Paul
It’s important to engage a team of experts who can support you through your financial journey. Each
member of your team will focus on a specific area of your financial plan to ensure you make the most
of every opportunity. We work closely with a number of professionals around Australia, including
investment brokers, lenders, solicitors, conveyancers, property managers, accountants and more.
Step 6: Review results
“Change is not a destination, just as hope is not a strategy.” Rudy Giuliani
Because financial markets and your circumstances are constantly changing, it’s vital that your financial
plan is reviewed on a regular basis. Each stage of your life will bring a different focus and financial
goals. For example, while your original plan may have focused on buying your first home and income
protection, you may now wish to focus on tax management and retirement planning. In your review,
we’ll suggest any changes to your financial plan that should be considered and help redefine your
goals as your life changes.
Step 7: Stay informed
“Knowledge has to be improved, challenged, and increased constantly, or it vanishes.” Peter Drucker
The best way to stay in control of your finances and build a strong financial future is to stay informed.
Our extensive knowledge library, in addition to our continuing education and mentoring programs, will
help you understand complex topics in a ways that’s easy to understand. We’ll be there to guide you
through any aspect of your finances and help you discover new opportunities to grow your wealth.
THINGS TO REMEMBER
Remember to be wary of anyone calling themselves a financial planner who doesn’t have an Australian
Financial Services (AFS) licence issued by the Australian Securities and Investments Commission (ASIC).
They should also have the appropriate qualifications and be a member of the Financial Planning
Association of Australia (FPA).
Before you sign on the dotted line, you should make sure you’re comfortable with your financial
planner and feel confident that they will listen carefully to you, answer all your questions and take the
time to understand your financial situation, needs and goals. They shouldn’t rush you, try to sell you a
specific product or promise high returns with low risk. Your financial planner should make their fees
and charges very clear and show you how they are determined. They should also provide you with a
copy of their Financial Services Guide.
*This information is general in nature and does not take into consideration your personal circumstances.
Talk to your SF Wealth financial adviser for advice that’s right for you.