We want to hear from you about what is important to you and to better understand how we may be able to help.  It is also an opportunity for you to gauge if APC is the right fit for you and your family.

At this meeting we will:

• Establish a clear idea of the important personal goals you’d like to achieve
• Gain a greater understanding of your financial position and cash flow
• Explore potential strategies that can help you achieve these goals

In this meeting we will honestly explain if we believe we can help you.  We will also let you know what the cost to you will be to develop your personal financial strategy.

Discovery Phase

At this point we need to establish a comprehensive understanding of your current financial circumstance.  We will base our recommendations to you on this information and it will include;

• Current cash flow
• Lifestyle assets
• Investments & how you own them
• Debts
• Personal insurances
• Your estate plan

APC’s Advice team will then formulate your strategy, prepare and then present your personal Statement of Advice.  In our presentation meeting we will clearly explain what we are recommending and what the benefits to you are.  You can move at your own pace to implement your advice.

Usually this process may start with establishing new investment, superannuation or pension portfolios for you.

Again, we will manage as much of this process for you as we can.  APC’s helpful team can assist in the transition of existing assets.  This may include the sale of existing under-performing assets such as shares or managed funds.  It may also include the rollover of existing superannuation or pension assets.

If you have an existing advice relationship that you wish to cease, APC can work with them in a professional and respectful manner to transfer relevant information.

When any advice implementation has been completed you will be invited to join us for your Induction Meeting.

At your Induction Meeting we will continue to work through your advice implementation methodically, ensuring you have full clarity and comfort around each step.

Personal Insurances & Debt

If we recommended changes to your personal insurances or debt facilities in your Statement of Advice, it is in this meeting that we start the process of making those changes happen.  It may be changing existing insurance levels of cover or putting in place new insurances.

Your existing debt’s interest rate may not be market competitive or you may need to re-structure your existing debt or put in place a new facility.  Whatever is required here APC will assist you as much as we can to implement it.

APC’s Commission Rebate Policy

As we are commission free you will know our advice is motivated only by what we believe is in your best interests.  Any commission we receive we will rebate to you 100%.

It is incredibly important and it is in your interest to have your estate plan structured correctly.  Your estate planning meeting will cover the following important areas;

• Discuss what your wishes are in the event of your death
• Clearly identify what is and is not covered by your Will
• Review various estate planning strategies that you could consider
• Identify what the ‘next steps’ are to implement a new Will

APC is happy to collaborate with your preferred legal adviser however if you do not have one we can introduce you to someone who can help you implement a new Will and new Powers of Attorney if required.

At this point your personal Statement of Advice will be fully implemented.  However your plan is not static and requires regular review to ensure it continues to meet your needs and helps you to achieve your personal goals.  To do this your plan requires Regular Benchmarking.

As life continually evolves, so too does your strategy. Our Regular Planning Meetings, held every six months with you, are designed to ensure that your plan remains optimal and contemporary.  If changes are required they are made proactively with focus on ensuring you have full clarity and confidence in the decisions you make.

We prepare a Wealth Management Review Report for you that clearly reviews each of the 9 Keys to your Financial Independence.  Our meetings can be held face to face in our offices or via video conference and we can record our meetings for you to view later, if someone important can’t attend.

When it comes to the achievement of your important personal goals, we don’t leave things to chance!