So Who Are The Best Financial Advisors?

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We have consistently found over the years that the best Financial Advisors have certain skills and characteristics that truly define their knowledge, ethics, and business practices.

They are the Financial Advisors who have the specialized expertise you need to achieve your specific financial goals.

They are the Financial Advisors we believe you can trust to put your financial interests first and not just theirs.

We suggest you look for these characteristics when you meet with the Financial Advisor.

Then you can select the best Financial Advisor who comes closest to matching all of these criteria.

Secure and Trusted since 2014

Congratulations for making the decision to have a successful future. Improving your financial situation or getting a wealth coach (financial planner) is something that is reserved for the few. There aren’t many people who go out of the way and get out of their comfort zone in order to improve their life and get their finances in order.

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The 10 Characteristics Of The Best Financial Advisors

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The Following are the Top 10 characteristics that we recommend you should look for when you meet with our Financial Advisors. The Financial Advisors should:

What can this site do for you?

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Everyone’s situation is different and varied. Some of our clients use this site because they have a tight budget and others may be more interested in quality verses how much they have to invest.

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5 Reasons To Use Find Financial Planners

If you want to consolidate, grow, or merge your superannuation accounts the great news is that the initial consultation with a financial advisor is FREE and no-obligation.

The meeting with a planner usually goes for one to one and a half hours. In that time the planner will ask questions to discover what you want to Do, Be or Have as a result of consolidating/ merging and potentially growing your super accounts.

They will cover the areas of:

Superannuation

Who is your super with? Is it with Sun Super, UniSuper, Australian Super, Q Super, Aware Super, AMP, or someone else? Is your super appropriate, relevant, cost-effective, in the right risk profile and more

Does Your Superannuation Have Any Personal Insurances?

Does your superannuation have any personal insurances in it like life/Death cover, Total and Permanent Disability, Trauma, and Income Protection? Is this insurance enough, cost-effective, still relevant, still current, and still appropriate for you? A lot of superannuation accounts, by default, offer insurance without really knowing if it is best or necessary for you.

Are you on track With Your Super?

Do you have enough super to become financially independent or retire on? Further in this document, we have highlighted what other organisations like ASIC, Money Smart or Canstar suggest the amount of super you should have based on age to successful retire or get ahead. Please check our Other Article Here: Do You Have Enough Super?

Your Income and Expense & Their Impact On Your Retirement

What is your income, expenses or outgoings and how does this impact your ability to retire or become Financial Independent? Can you contribute more to your superannuation account? Will this help you save tax? We all know that a dripping tap will fill a bucket quickly. Even a small additional contribution if appropriate could make a significant difference.

What Savings or Expenses Can your Planner Help You Access?

Are there potential tax savings or extra income that you can access by changing some strategies? One strategy if you are over 60 years old, you may want to ask your financial adviser about is to put your super in “Pension Phase”. Another one you could ask your financial planner is should I or can I salary sacrifice and add additional into super?

There are 3 decisions you are making when you are deciding if you want to use a Financial Advisor. They are:

  1. Do I like him or her?

  2. Do I see myself working with them?

  3. Are they going to potentially improve my situation? In other words, do you see the value of using a financial planner?

If you don’t like them, you think they are not on the same page as you or they haven’t demonstrated that investing in them and paying their fees will result in you potentially being in a better situation than before you engaged them, we would suggest you seek a different planner. They are not for you.

A good financial planner, like those within Find Financial Advisors, will recommend that you don’t go ahead with them if they can’t add value or are not going to make a difference and potentially improve your super. You can relax knowing the planner is not looking to bring clients on board that shouldn’t be clients!

If you said yes to these questions, you should know that a planner is going to spend 5-20 hours initially on your situation. This time includes

  • Comparing what they are recommending with what you currently have.
  • Research all super funds that they have access to.
  • Researching all insurances within your super and checking if you need it
  • Getting you new insurance cover and doing all necessary the administration.
  • Investigating the fees/ charges and returns from your current and their recommended super funds.
  • Preparing your advice document called a Statement of Advice. All advice that is personally tailored to you must be in writing
  • Implementing the advice recommended in their advice document

The average, minimum and standard costs for a Financial Adviser across Australia, for the first 12 months is $3,000 to $4,000. In some instances, the cost of their advice can be taken from your superannuation.

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Areas of Expertise

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Consolidate or Grow My Super

If you have money in multiple superannuation accounts, don’t know where your super is or just looking to get more results with your superannuation then we may be able to help.

Retirement Income Planning

It is important not to leave this life step too late as if you do, you could find there is not enough money at the end of the month. Further and typically due to health and other reasons our general expenses increase not decrease when we get older. This is the point in your life when time is no longer money. It’s one of life’s biggest events. We are all living older right?

There are two critical questions

  • When do I want to retire?; and,
  • When can I retire?

The two may not be mutually exclusive!

Personal Risk Protection Insurances

Did you know that a Financial Planner can help with things like Life Insurance and Income Protection Insurance? If you have a mortgage you really should talk to a Financial Planner about this today.

Creating a Financial Plan

We have all heard the saying “fail to plan and you plan to fail”, a plan to save, accumulate, invest or get a real understanding of how much you will need in retirement is no different.

Self-Managed Super Fund 

If you set up a self-managed super fund (SMSF), you’re in charge however it is best to see a qualified, licensed professional to help navigate the mine-field that is compliance and the tax laws.

What is our Suggestion

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Its free, eliminates worry and helps you get the best opportunity for your financial future, which is what you deserve. Fill in our two-minute form, be willing to see a financial adviser and let us know if we have surpassed your expectations in our feedback form.

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