We use a "fact-finder" to get a complete and current picture of your situation. Why?  If we want to provide appropriate advice, especially for wealth or loan services, we need to ensure we understand the starting point.

Our fact-finding mission includes receiving detailed information on:

1. Goals: these are unique to every person and family and if we want to advise appropriately, ensuring we understand these is our starting point.
2. Assets: the market value and status of all assets for e.g., rental properties are they rented out etc and all superannuation assets
3. Liabilities: the value of all loans or other obligations, including interest rates and period of repayment etc
4. Income: current income from all sources
5. Expenses: current expenses as well as nature and expected duration of all outgoings
6. Insurance: it is important to ensure all the required insurances are in place including (if relevant) private health and general property insurance
7. Estate planning: to gain a full understanding on existing wills, powers of attorney etc
8. General health and family: it is impossible to advise properly if we do not understand your health needs and those of the family
9. Risk profile: attitude to risk is essential in advising or assisting you in financial decisions, different individuals and couples have entirely different attitudes to various activities and things that comfort some people, act as stressors to others

The fact-finding process can be lengthy if the information is not provided in full in a timely manner, as we need a full picture at the given point in time.