Financial Planning

Receiving quality advice is the first step to achieving your financial goals.

Whether your goals include wealth creation, enhancing your lifestyle, planning for retirement or preparing for a major life change, it is important to seek advice from experts.

Our advisers can create a tailored strategy that will help you achieve your financial goals and a personal plan that will show you how to optimise your financial decisions to make sure your money is working as hard as you are.

A financial plan can help you manage your finances and develop a strategic approach to determine what your financial objectives are and give you solutions to meet them.

As our client, you will receive high quality professional advice and ongoing service that ensures your finances will be professionally managed to suit your needs and goals, both now and in the future.

Step by step plan to achieving your financial goals

CLM Investment Services Pty Ltd takes great pride in giving you financial advice that is tailored to your needs. To identify your personal financial goals, a CLM Investment Services Pty Ltd advisor will take you through a simple step by step process.

Step 1 – Contact

Make an appointment with a CLM Investment Services Pty Ltd advisor.

Step 2 – Your finances and you

Your CLM Investment Services Pty Ltd advisor will arrange a consultation that allows you to discuss your financial circumstances. Together we will identify where you are now and where you would like to be. We recommend you compile the following documents (listed below) for the initial interview to enable your advisor to obtain a clear understanding of your financial position.

• Personal investment details including investment and superannuation statements
• Tax returns
• List of liabilities, e.g. amount and applicable interest rates
• Additional assets

On first meeting, your CLM Investment Services Pty Ltd advisor will provide you with a Financial Service Guide which outlines their;

• Qualifications
• Responsibility for advice given
• Restrictions applying to advice given
• Fees and charges
• Complaint resolution schemes available
• Privacy information

Step 3 – Information appraisal

Your CLM Investment Services Pty Ltd advisor will collect the necessary information to build and customise your new financial plan. Based on the information supplied, your advisor will determine your financial position and classify your goals based on your risk profile.

Step 4 – The building blocks

Your CLM Investment Services Pty Ltd advisor will develop the personalised strategies necessary to build and enhance your financial future. This plan, along with formal written recommendations will be presented to you in a Statement of Advice.

Step 5 – Perfecting your strategy

Here you will have the opportunity to discuss the proposal and make sure you are comfortable with the recommendations made by your CLM Investment Services Pty Ltd advisor.

Step 6 – Making it happen

If you are completely satisfied, your CLM Investment Services Pty Ltd advisor will ask you to sign an ‘Authority to Proceed’ that formally documents your consent. Your advisor will then implement the agreed recommendations on your behalf.

Step 7 – We are here for you

You will continue to have full support and assistance from your CLM Investment Services Pty Ltd advisor. Your financial objectives, goals and needs will be revised periodically to maximise the success of your financial wellbeing.

From Vision to Lifestyle

Time and time again we witness the positive difference a well managed financial plan can make to a person’s life. Taking control of your finances can help you achieve your goals and discover a lifestyle which is protected and which you feel confident you can enjoy.

We will:

• Discuss your needs, priorities, goals and concerns,
• Give you a written recommendation of our professional advice,
• Carefully explain the recommendations and all associated costs,
• Design a review process that meets your needs,
• Manage your investments.

It is our aim to be your financial partner through life. Our range of services gives you the benefit of having one contact point for all your financial needs.