Frequently Asked Questions

Read the most Frequently Asked Questions (FAQ) for our clients and prospectus. Can’t find your question? Contact us.

Point B Planning

Discover more here

The majority of clients have a rough idea of what needs to be done Save more money, clear down debt, add a bit to super. The issue is, no matter how hard they google, read the barefoot investor, whirlpool or speak to their friends and family, there is no guarantee that it is right for them. These are just some perfect examples of when it may be the right time to speak with a financial planner.

By speaking to a planner, we can create a road map towards achieving your financial goals, helping you navigate the important financial decisions in life.

The first step is to have a discovery call with a planner that should take no longer than 5-10 mins This is an opportunity to talk to a planner about what’s really bothering you and to see if we can assist.

Next step Complete some additional documents so the planner has an understanding of your financial position. This will provide the planner the opportunity to run the numbers and ensure we can add value.

From there First appointment is organised where we discuss our findings and issues that we have identified.

If you believe that you would benefit from working with us, a second appointment will be organised to formally present our findings, discuss advantages, disadvantages of our recommendations and where we can add value.

As we believe in understanding your financial needs before providing our services, there is no charge for the discovery call or first meeting. This is to ensure we are able to add value before working together.

Before any services are accepted, a Terms Of Engagement Letter will be provided stating your needs, services provided and total cost involved. This is to ensure complete transparency in the work provided, with no charge to the client until the document has been signed.

All work completed will be charged at an hourly rate of $330.00 incl GST. Please note that the total hours required will depend on complexity of advice provided.

You don’t need a multimillion-dollar property portfolio to benefit from seeing a financial planner. Anyone, young or old, married or single, rich or not so rich, can benefit from financial advice.

A financial planner can help you set financial goals, manage your debt, create a plan to support your family, start investing or optimise an existing portfolio, maximise your super, plan for retirement, and more. And if you think you can’t afford to see a financial planner, think again. There are several ways you can pay for a financial plan: most are fee-based, while others don’t require out of pocket payment.

Lots of people don’t book in for their first financial planning session until they’re just about to skip off into retirement. Only then do they learn that it would have been quite useful to get the most out of their super.

Having a financial plan is a bit like putting money in a piggy bank: the earlier you start doing it, the more likely you are to get good results. Whatever stage of life you’re at, there are benefits in seeking expert advice to help you map out your financial plan. It’s best to get your finances in order as soon as possible so you can make the most of your income between now and retirement, whether that’s five years away or 50.

Strategies such as salary sacrificing into super while you’re still earning can make a significant difference to the quality of your life after you’ve finished work.

Life’s busy. Finances are complicated. One day you’ll get on top of them. And then, you promise, you’ll go and see a financial planner. After all, you can’t just rock up tomorrow and admit you don’t even know which super fund you’re with, can you? Well, actually, yes you can. Most financial planners offer an obligation-free first appointment. You’ll get to know them, have a chat – in person, on the phone, or by video conference – about your goals and current situation and find out all the information you need to get together if you want to proceed.

Maybe everything is going swimmingly. You and your partner have both got good jobs, you’re paying off the mortgage, the kids are growing up happy and healthy. Why rock the boat? Well, while we’re talking in idioms, how about making hay while the sun shines?

There are many more strategies you can put in place to maximise your wealth when things are going well than there are when things are going badly! And it’s fair to say that a financial planner probably knows more about these strategies than you do. Plus, you never know when things might take a turn for the worse.

A financial planner can help you have all the right insurance in place to protect your family should life throw a curveball your way.

Contrary to what you might think, financial planners compare products from numerous financial service organisations before making recommendations to a client. Whether you might benefit from income protection insurance, a super fund more suited to your needs or regular investments into an index fund, your financial planner will weigh up all the pros and cons of the different options before finding products that are most likely to help you achieve your goals.

Google Rating
Based on 50 reviews