How we will help you achieve your financial goals…

We understand that undertaking full financial planning is a very important decision in your life. For this reason, we set out below how we work and what you can expect from us so that you can see the level of personalised care we offer. Please note that these steps are provided as a guide only. Your personal circumstances and goals are unique and so our financial planning advice process will be specifically tailored to what you require.

Your financial planning experience will be moulded to suit your individual needs. Our immediate focus will target the most pressing areas in your situation, enabling you to begin making progress straightaway.

First Contact
Our first discussion is over the phone, where we discuss briefly what you are seeking with a broad discussion around your goals, where you are at the moment and why you have decided to take action. We then schedule a date for an initial meeting and also email you a pre-meeting preparation form. Where we go from there depends on your requirements and the type of service and advice you are requiring of us.

Pre-meeting Preparation
You are about to embark on an adventure that could be as simple as implementing some personal insurance or as exciting and riveting as planning for your financial success for the rest of your life. Everyone's financial planning experience is different. You can complete the pre-meeting preparation form with as much or as little detail as you wish. This is entirely your choice and it will depend on what you are looking at achieving.

The pre-meeting form helps cover off on some of the essentials such as your name and date of birth. It gets you started on thinking about your goals and objectives. There are also a few other items that the form covers including information about your assets and liabilities.

It shouldn't be underestimated how powerful or confronting it is to complete this initial form as it essentially summarises where you are at the moment and where you want to go. The form is not required to be sent back to me prior to the meeting however it is expected that you bring it along to the initial meeting.

Initial Meeting
For your initial meeting you will need to allow at least 1 to 1.5 hours.

During the meeting I will ask plenty of questions so that we can really focus on what you want to achieve. This will cover your big dreams as well as your more immediate objectives. This will give you a crystal-clear picture of what you really want to achieve, which will be very motivating in itself.

I will also gather a good detail of information regarding your current position as well as an understanding of your life and attitudes. This gives further insight into where you are at and will help guide me about all the facets of your life that need to be taken into account in building a plan that's uniquely tailored to your needs.

What happens after the first meeting?
It is usually 3 days to a week before I get back to you regarding strategies and possibilities – as well as that burning question of how much will it cost.

The reason it takes a little while is that – as you will find – our conversation is highly detailed and a lot of information is passed between us. I find it valuable to be able to take a step back and think about your objectives, financial position and how you got there. Doing this enables me to think about what options are most suitable for you and to develop a summary of broad strategy suggestions plus some alternatives.

In turn it gives you time to reflect on our conversation and to perhaps ask further questions.
It is usual that at this point I will provide you with an overview of my strategic planning recommendations as well as an indication of the cost that will apply. There are times when a further meeting is required prior to presenting you with a cost estimate and strategy suggestions.

Strategic Planning Meeting
At the Strategic Planning Meeting, I present my recommendations to you regarding the steps you can take to work towards achievement of your goals. I explain how the various strategies I am recommending for you will support your objectives – and I take particular care to ensure that you are completely comfortable with what is proposed. I encourage you to ask as many questions as you wish so that you have a clear understanding of what is involved.

Implementing your Plan
If you are happy to proceed, we get to work to ensure that every aspect of your plan is implemented in accordance with your strategy, and that you are provided with confirmation of same.

Ongoing care
I am keen to see you succeed over the long term, which means you are welcome to contact me at any time about your financial plan. And as your 'personal financial trainer' I will check in with you regularly to ensure that the steps you need to take are being met.

How does the payment process work?
No billable work is completed without your prior approval and agreement on the cost. Upon agreement of the cost, we will discuss payment options with you. There are a number of payment options available.

To provide an initial guide, payment is generally made in three parts:

Part 1 – It is required that part of the cost is paid upfront by you or your superannuation fund                before work is commenced. This initial invoice would be emailed to you upon your                approval.

Part 2 – The second invoice would be emailed to you a fortnight later.

Part 3 – The final invoice would be presented to you during our Strategy and Outcomes                meeting

All services are provided on a fee for service basis. We do however offer the choice of implementing insurances on a fee for service basis or a commission basis. There will be times when commission based is more cost effective for you than fee for service and vice versa. It depends on the insurance level you are seeking to implement. We can discuss this in further detail at the time so that you can make an informed decision.

So that's it in a nutshell…
As you can see, every step of your dealings with Rivet Financial is geared towards delivering highly personalised, relevant and effective financial advice.

We encourage you to contact us today to make the most of your current financial situation and to grow your wealth with confidence.