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What is a Financial Plan?

A detailed financial plan is an efficient tool for planning and monitoring your financial future.  It therefore lies at the heart of a comprehensive and holistic analysis of your personal financial situation, taking into account different legal and tax aspects, insurance and asset protection, estate and pension planning, and property rights. 

iMoney Wealth Management takes a holistic approach to your needs analysis, constructing, implementing and following through your wealth management plan. Get a clear picture of your family, business and personal financial positions, understand your needs, goals and objectives, risks and sensitivities and prioritise your plan of action, then work with your financial coach on seamless execution.
 
We develop a financial planning strategy to save, grow, structure and protect your wealth, we:
  • Tailor-craft, protect and exercise strategies and specialist recommendations
  • Skillfully build our roadmap is what we call a Statement of Advice, a written document identifying where you are, where you want to go and how you should get there
  • Evaluate the feasibility of financial modeling applying it to the external environment you are in and carefully testing if the strategies are optimal
  • Understand the personal, family and business risk and cover them with a custom built insurance plan

It is critical that our strategic advice is suited to:

  • Time frame your plan is for
  • Your tolerance to investment risk
  • Tax implications, outcomes and compliance
  • Superannuation strategies including Self-managed superannuation, gearing, asset protection and ensuring that the beneficiaries needs are met
  • Balancing various investment strategies covering a spectrum of financial assets
  • Personal and Business Debt structuring
  • Reviewing your entitlements to Social security benefits and Centrelink
  • Insurance requirements, providing your loved ones with a safety buffer or making sure that your business exit is planned for
  • Estate planning needs
  • Valid wealth management structure with appropriate legal framework

At the implementation of your wealth management plan we

  • Execute each segment of the wealth plan step by step, without speaking in jargon and making sure you fully understand solutions proposed
  • Service your ongoing needs after the implementation
  • Agree on a regular review schedule checking that recommended strategy and assumptions remain appropriate and that you are on track
  • Review your savings capacity, cashflow and investments placed on an on-going basis
  • Check your insurance needs regularly to avoid unpleasant shortfalls or unnecessary overinsurance aligned to your life changes
  • Identify if you are on track with your retirement planning and review your estate plan as part of the service
Get a FREE wealth check from iMoney Wealth Management now to assess whether you are on target to meet your financial goals. If you are not, you can ask a question online to learn more from a financial advisor on how to meet your financial goals.
 
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