Financial planning
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FEES...
What are they?
At FSS Financial Planning, you only use (and pay for) the services you need. These services, which take into account your personal circumstances, might be:
- Our specific advice service, which is conducted over the telephone with an adviser
- Our comprehensive financial planning service, which is a face-to-face interview
It is important to get the most out of your time with your adviser - find out how.
Specific advice
Our Specific Advice service is conducted over the telephone with an adviser. This service is suited to people who have limited time or are looking for a quick response to a narrow range of financial issues.
Through this service you can receive advice on:
- contributions to superannuation including:
- salary sacrifice
- spouse and voluntary contributions
- selection of investment strategies in First State Super and
- retirement income streams
- transition to retirement income streams
- combining to retirement income streams and contribution strategies
When you ask us to provide advice through this service, your adviser will outline their strategy over the telephone. They will then provide you with a financial plan detailing the steps required by you to implement this advice in writing within 48 hours.
Advice on more complex issues including:
- planning for retirement or broader objectives such as - How much do I need to retire?
- projections of superannuation benefits or
- repaying debt versus investing
is available through our Comprehensive Advice service.
Comprehensive advice
This is suited to people who are looking for a more wide-ranging service than Specific Advice.
Financial well-being can help us to live life to the full.
Whether you want to follow your passions, retire in comfort or provide a healthy and happy environment for your family, knowing you have a sound financial foundation allows you to pursue your dreams with a sense of freedom and excitement.
Building a foundation takes knowledge and planning. The easiest way to find out how to make the most of your finances is to talk to an expert. At FSS Financial Planning, our advisers can provide you with a financial plan that is tailored to you - your goals, lifestyle and money habits. We can develop an overall financial plan for you through our Comprehensive Advice service.
Getting the most out of your time
Our approach to financial planning makes the best use of the time you spend with your adviser. We ask that you invest a little time prior to your appointment and complete our Lifestyle Questionnaire for comprehensive advice. Our advisers will let you know what information may be needed from you in order to provide you with advice. With this commitment from you we can properly understand your circumstances and goals and maximise the productive time with your adviser.
Working with you
Our Comprehensive Advice service uses a 3-step process in which you and your adviser work closely together.
Step 1: Your commitment
Complete the lifestyle questionnaire
We will seek information on:
- your weekly or monthly income and general expenses
- details of your savings accounts, superannuation, insurance and any other investments you have
- your debts,including mortgage, car loan and credit cards
- details of Social Security payments you receive from Centrelink and Veterans' Affairs or from other countries
- your health
- any estate planning issues you have
- your lifestyle goals
Step 2: Your adviser's role
Develop the plan
After an initial discussion and using the information from your questionnaire, your adviser will develop appropriate strategies to help you meet your goals.
These strategies will be outlined in your financial plan which we will send to you.
Your plan will also contain details of any fees or payments we receive (in actual dollar amounts). We will also outline any limitations in the advice we give you and any associations we have with other parties which may influence us in providing your advice.
Meet your adviser
On receiving your plan, it is your choice whether to then meet again with your adviser.
If you do, your adviser will take you through your plan, explain how the strategies work, outline any risks and show you what's involved in implementing the plan.
Step 3: Put the plan into action
Implement the plan
You will then receive confirmation from relevant organizations indicating that the process is underway or completed.