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Why Choose Us: Financial planners Sunshine Coast

"A plan without action is a day dream, action without a plan is a nightmare" Japanese Proverb

Making the right decisions about your finances has never been so important. We aim to help you do this by understanding your financial situation and helping you develop a financial plan to meet short and long term goals. The right financial planner has the potential to provide outstanding value for money – creating a benefit that reaps rewards far in excess of the cost involved.

Our Differences?

  • Like anything in life, you get what you pay for – so the cheapest fee usually means cheap quality advice.

    Good financial planning is not about getting the right product or the cheapest product. Proper financial planning involves being asked a lot of questions. If you choose us, be prepared to discuss your current position in detail. Only with the answers to these questions can the right financial strategies be identified. These strategies are what will differentiate good advice from bad advice.
  • We guarantee to put your needs first.

    Our role is not to sell financial products, in contrast to financial planners working for financial institutions who own and manufacture products for sale. Always remember to ask who makes the financial product being recommended to you.

    Another example are "Industry" Super funds and the widely advertised campaign regarding commissions to financial planners. This relates to product advice and not strategic advice which is our commitment to you. While we agree that Superannuation is an important part of every Australian's future, it is only one of a whole range of options that can give you a comfortable and secure retirement.
  • Professional private advice that is right for your individual situation and goals.

    By working with you to ensure we have the right strategy, then your financial plan will have a better chance of surviving one or two bad product choices and the likelihood of bad choices is minimized, as all investments involve some degree of risk which cannot be entirely eliminated.

    Financial Planning is a valuable service ,which can significantly impact upon your financial security. Like anything else, you get what you pay for and our costs clearly distinguish between how your fees are set and how you pay for it. This all gives our clients confidence in knowing that their fees are not based on any kind of product sale or purchase.

 

The Professional Investment Services difference

To provide financial product advice, a financial planner must be licensed by the Australian Securities and Investments Commission (ASIC) or be authorised to represent a licence holder. Professional Investment Services Pty Ltd Australia hold the Australian Financial Services Licence No. 234951 and we are Authorised to operate under this licence.

Professional Investment Services (PIS) is a wholly owned Australian company, owned by the professionals (Financial Planners & Accountants) who are members of the company, and not by any large Insurance Companies, Unions or Overseas Financial Groups. This means we have the ability to be objective in our assessment of what is right for you. Of the 20 biggest financial planning groups in Australia, only PIS and one other company are still independently owned. Banks own 12 of the 20 biggest financial planning groups and the remainder is owned by other large institutions.

We have a team of over 800 financial planners and associations with over 270 accountancy practices Australia wide. The company has its offices in all capital cities throughout Australia as well as an extensive regional network. We are expanding continuously.

As Authorised Representatives , and members of professional bodies we are required to meet on-going professional development requirements to ensure our advice remains appropriate to the ever changing financial environment regarding changes to tax law, superannuation , workplace contracts and Centrelink, to name a few and our knowledge in all of these areas is continually updated through a documented record of on-going professional development and education.

The six-step financial planning process

When developing a financial plan for you, known as a Statement of Advice, a financial planner will follow a structured process to help understand your needs and recommend an appropriate strategy using your currently available resources.  The six step financial planning process is as follows:

  • Gather your financial information
  • Identify your goals
  • Identify financial issues
  • Prepare your financial plan
  • Implement the recommendations based on your financial plan
  • Review and revise the plan at regular intervals or when circumstances change.
 
What we can do for your retirement

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