Christine will take the time to find out your current circumstances and where you want to be so that she can help you make informed decisions on how to make the most of your money.
At our first meeting, we will ask you about where you are now, about your expectations, about what you would like to achieve.
Then we will conduct a process called ‘fact-finding’ – where we will ask you about your personal circumstances and help you to determine your attitude towards risk. Your attitude to risk means whether you are conservative in the way you invest, aggressive or somewhere in between.
To help you be better prepared, we will ask you for a number of personal details which we need to put together your financial plan. We will ask things like your:
- Current personal income
- Family income
- Future income (inheritances included)
- Day-to-day expenses
- Your family circumstances (number and health of dependants, dependants from previous relationships etc)
- Future expenses
- Assets and liabilities
- Tax paid and tax owed
- Super and insurance situation
- Current investments
- State of health.
You might also want to have a think about your goals and current financial position as we may cover some of the below:
- When you want to retire
- How you want to educate your children
- Whether a second home, like a holiday house, is important to you
- Do you have dependents you need to provide for if you are unable to work or if the unforeseen happens
- Whether you have an up-to-date Will
- Whether you are expecting any large expenses.
Our role is to maximise the chances of you achieving your financial goals through expert financial advice and practical strategies. Our role is to guide you in making your financial decisions to provide you with peace of mind. We believe you will get better results by teaming with a professional adviser. We are a boutique financial planning business and pride ourselves on our ability to provide our clients a first class advisory service. We offer our clients a personal service from a dedicated small business owner.
Personally, Christine attended high school and University in Newcastle. She is a Mum to two young active boys. Prior to working in Financial Planning Christine worked for a fund manager and the Australian Taxation Office. Christine has always held an interest in investing and this is what has motivated her to work as a Financial Adviser, “I invested in my first managed fund at age 17 with money earned from working after school. It was a great early experience with investing and taught me the benefits of regular investments and compound interest.”