What to Expect

In the blink of an eye


At First Financial we know that life moves at a frantic pace.

One minute you’re entering the workforce, the next making plans for the future, buying a home and perhaps starting a family.

And then in the blink of an eye, you’re headlong into the accumulator years. Just like that.

It comes down to certainty


Are you certain what you are doing now will be enough to create the retirement you want?

You’re probably time poor, managing debt, on a good income but unsure if you’re putting enough away and are on the right track.

First Financial is a financial services business with a unique client-first approach, and the relationships we cultivate with our clients are solid and not influenced by a corporate mentality. Our size and scale allow us to respond to industry changes quickly and deliver the best possible financial outcomes for our clients.

We use a five-step approach to setting a plan in place so you can enjoy life and retire life ready.

Discovery

Discovery

Fact find

Fact find

Plan

Plan

Implementation

Implementation

Partnership

Partnership

Discovery - a journey all about you
Discovery - a journey all about you

New clients are often uncertain and confused about their financial goals.

Our Discovery session helps uncover your goals and aspirations – often ones you might not have even thought of yet. We also identify the challenges you face currently day to day and understand the lifestyle you want to enjoy now.

Gaining financial clarity is essential for our partnership. Once we gain twenty/twenty vision of your financial position, lifestyle and personal wealth goals, we can start to plan for your ideal retirement.

Fact find - making sure we understand you
Fact find - making sure we understand you

In our Fact Find session, we delve deeper into your goals, aspirations and dreams. What does retirement look like for you? For your family?

And we take a more detailed look at your current situation and financial position.

Our deep understanding of these elements helps us as we move towards the Plan stage. We also explain where we believe we can add value and improve your financial situation.

We give you a detailed breakdown of our fees, in an open and transparent way.

Plan
Plan

Next we analyse the information from the Discovery and Fact Find sessions, including your current financial structure, cash flow, short and long-term goals, assets, liabilities and insurance status.

We develop and compare appropriate strategies and develop a dynamic, intensive and actionable plan for success.

Your plan could include recommendations on:

restructure of current investments, loans, debts, savings, insurances, minimising your taxation, budgeting, savings and investment plans, share portfolios, cash management, wealth protection cover (including income protection insurance, trauma, critical illness and life insurance), superannuation and retirement (including SMSF), estate planning

We find once clients have had the plan presented, confusion and complexity are removed. Clients see a clear way ahead and gain greater peace of mind.

Your First Financial plan will be your life-line – and set you firmly on track for a comfortable and confident retirement.

Implementation
Implementation

We’re confident you’ll be happy with the First Financial plan presented, and once you’ve signed the Authority to Proceed, your team will begin implementing your financial roadmap.

Throughout the implementation process, our team will proactively guide you through the implementation process … so you can understand exactly what is happening with your money.

Our deep understanding of your financial situation and the diverse strategy we’ve created will have you feeling confident and excited about your financial future and help you live life now and retire certain.

 

Partnership
Partnership

Being client-centric, now we’ve got to know you and developed a strong relationship, you might even call us friends. So it’s important for us to stay in communication with you regularly. This could take the form of meetings bi-monthly, quarterly, yearly, or as many times as needed.

We review the plan process at every meeting, every time. This ensures we stay on track to achieve your financial goals. We will also assess the impact of any change in circumstances and make changes where necessary, like re-balancing your portfolio or taking a deeper look at your insurances.

Our in-house strategy and legislative team also stays ahead of any legislative or economic changes that may affect you.

Our partnership will deliver ongoing certainty that you are doing all the right things to achieve your personal wealth goals. If you are interested in setting up a bullet-proof strategy for financial success, and retiring life ready … certain you have enough, contact us today.