Our Total Advice Process brings together a team of professional partners - in the disciplines of investment, taxation, accounting, insurance, legal, and business management - to put their collective experience and expertise to work for you.
Money is like an arm or a leg - use it or lose it.
Henry Ford
All it requires of you is that you have goals and aspirations, and that you commit to your own future. How committed you are is entirely up to you - the important thing is that once you have identified your life and wealth objectives, you make a commitment to achieving them. Our task is to partner with you to meet your objectives.
Even if you have yet to identify what your goals and aspirations are, don't worry, we'll help you figure that out before we start. It's part of what we're trained to do. In fact, we'll take you through a simple five-step program - our Total Advice Process. Together we will:
- Identify your dreams, goals and aspirations
- Assess your current situation in terms of money in/money out, savings etc, and what is available to put aside for your future
- Agree on your objectives and the strategies it will take to achieve them
- Establish time frames based on your objectives and your level of financial input
- Implement the plan, with regular reviews, reconfirmation of your goals, and recommitment to achieving the outcome
Plan ahead: it wasn't raining when Noah built the ark.
Richard Cushing
Armed with information about your plans and dreams for the future, we will assemble a team of professionals who bring the requisite skill sets and connections to effectively address the five critical financial issues:
Wealth acquisition - This initial step involves examining your cash flow and setting budgets for spending, saving and investing. The ongoing management may require the input of accountants who can prepare profit and loss statements and balance sheets, and provide planning direction.
Wealth preservation - This is where you need the assistance of a taxation planning expert, who can help you effectively and legitimately reduce your tax liabilities on both a personal and corporate level.
Next to being shot at and missed, nothing is really quite as satisfying as an income tax refund.
F J Raymond
Wealth enhancement - Once the ball is rolling, you need to monitor the growth of your investments, identify opportunities as they arise, and create portfolio models designed to maximise your returns.
Wealth protection - It isn't enough to 'make hay while the sun shines', you need to ensure that if anything untoward happens, you can maintain your lifestyle as much as possible, or provide for those close to you. That means insuring against untimely and unplanned events such as death, disablement through illness or injury and possibly a major health catastrophy. Your ability to earn an income is your most valuable asset - protect it.
Wealth transfer - Accumulating wealth is only worthwhile if you can pass it on to those whom you wish to benefit after you have gone. And that means creating an estate plan that covers your will, bequests to charities or other organisations, and issues such as power of attorney should you become incapacitated.
As a client of FAJ Financial, you can be assured that the team of professionals working alongside you will provide the very highest levels of service and expertise, to achieve your goals. Put simply, our commitment is to help you attain your goals; not just financial ones but those for life.