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| Q: |
Why do I need a Financial Plan? |
| A: |
Ensuring that you get the maximum income, financial growth and future security doesn’t happen by accident. You need to assess and recognise your goals and aspirations, and formulate a financial plan that will not only create and enhance wealth, it will allow you to preserve and protect it, and then to transfer it to your heirs. A viable financial plan isn’t something you can always achieve yourself – it will require the input of a professional, experienced financial planner. |
| Q: |
Are you a member of the Financial Planning Association (FPA)? |
| A: |
Our licensee, Epic Adviser Solutions, is a principal member of the FPA. Stefano Zagami is an Associate of the FPA and Matthew Moonen is a Certified Financial Planner. |
| Q: |
How do you charge for advice? |
| A: |
Our Financial Services Guide provides details in this respect. We charge a “fee for value” which rewards our efforts in ensuring the solutions we provide you are appropriate to enable achievement of your aspirations. |
| Q: |
Do you offer an initial consultation that is free of any cost or obligation? |
| A: |
In short, yes, our initial meeting with you is a “get to know you” for you and us. It may be 30 minutes, and we may actually defer further meetings because we might suggest a particular course of action you need to fulfill for us to proceed. Given our professional obligations, we are unable to provide any formal or informal advice at this meeting, which we use purely to establish your financial and lifestyle goals, and your commitment to achieving them. |
| Q: |
I hear the term “Financial Planning” quite often – but what is it? |
| A: |
Financial planning is the process of bringing together issues as diverse but complementary as risk management and insurance, investment, taxation, retirement funding and estate planning, and the legal and financial obligations attached to each. At FAJ Financial, our Total Advice Process consist of five major steps:
a) Identifying your goals and aspirations.
b) Assessing your current financial status and structure.
c) Agreeing on your objectives, and the strategies we will put in place to realize them.
d) Establishing the time frames surrounding the implementation and realisation of your aspirations.
e) Implementing the plan and regularly reviewing its performance, and adjusting or refining it where necessary.
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