A Tailored Approach
When it comes to your finances, they’re as unique as your fingerprint. We take a highly personal approach to financial planning, navigating the variables and the individual factors to tailor a plan that works for you
1. Getting
to know you
Our first meeting is about you getting to know us and us getting to you. There has to be rapport and confidence, which is why we offer this meeting absolutely free of charge and without obligation on either side.
We’ll ask you about you and your goals. You can ask us anything you like.
2. Fee proposal
Good financial planning is about minimising financial surprises, so you definitely won’t get any from us. Before we start any paid work, we’ll present you with an upfront fee proposal for your investment in financial planning.
If you’re not 100% comfortable, you’ll have invested nothing but your time.
3. First strategy meeting
This is where we roll up our sleeves to talk about what you dream of, when you think about financial security and freedom. It’s not the same for everyone and we’re tailoring a plan for you. New home? School fees? Travel? We know how to ask the right questions to locate what’s on your horizon. Then it’s time to talk about how to get there.
4. Modelling
We’ll take what we learned from our first meeting and combine it with the information you’ve given us about your current position. At our second meeting, we’ll have prepared some financial models. They’ll show you various options to unlock the future you want, describing what those options would involve today.
Those models will include allowances for foreseeable, but presently uncertain possibilities — like having a child and paying for childcare, or other contingencies that we know to factor in.
We’ll be looking at areas like:
- cashflow forecasts
- tax planning
- asset protection
- superannuation
- investment property
- share investment strategies
- estate planning
- borrowing strategies
We’re helped in this by having ready access to the expertise in our sister companies Binnari Property and Orium Finance.
5. Formal
advice
We’ll present you with a formal statement of advice (SOA) for you to review. The SOA will set out everything we’re going to do for you towards your financial goals.
6. Complete
paperwork
We’ll prepare all the necessary documents
for you to sign.
7. Manage
implementation
We’ll take care of the implementation, liaising with any financial institutions and third-party service providers who need to be involved in executing your plan. You’ll be involved at every step, but we’ll do the heavy lifting to make things happen. This might include:
Cashflow management
We’ll make sure your day-to-day and infrequent expenses are accounted for in order to ensure you get the full benefit of your investment strategy, without being derailed by expenses which could have been foreseen.
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Superannuation
If applicable, we’ll work with your new superannuation provider to set up your account, then work with your employer to make sure future contributions are made to the right fund.
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Property purchase
We can liaise with property professionals, solicitors and mortgage experts to make it easy for you to implement the property element of your strategy.
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Self-managed super fund (SMSF)
If applicable, we’ll work with your new superannuation provider to set up your account, then work with your employer to make sure future contributions are made to the right fund.
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Share Investing
Where shares are part of your strategy, we’ll set up the strategy and help you to implement it.
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Estate planning
We can liaise with estate planning experts to ensure the right questions are asked and the appropriate estate planning strategy is implemented.
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8. Ongoing reviews
Like any living thing – your goals, aspirations and objectives will change over time. We’ll work with you to refine and update your financial strategy to ensure its kept up to date and is applicable to your current situation.
Typically, we find our regular reviews cover the following:
- Changes to your personal circumstances, goals and objectives
- Changes to your family environment and structure
- Updates with your employment situation
- Changes to your investment strategy to match market conditions
- Updates in government legislation that has or will impact your situation
Start Today
Speak to our team today to start planning
your financial future
One of our advisors will contact you to discuss the following:
- Get to understand you and your key objectives
- Take you through Montara’s approach to developing your financial strategy and how we can assist you
- Run through any potential costs that would apply if you choose to work with us
We look forward to hearing from you – please enter your details and we’ll be in touch shortly!
