Our integrated approach to your financial position gives you the confidence that qualified advisers ensure all your financial matters work together to create great financial outcomes for you.
Our purpose is to provide our clients with lifetime advice to achieve home ownership and financial independence. Financial independence means different things to different people but for many the ultimate financial goal is to have enough money to live comfortably throughout their working lives and retirement.
Our four step advice process will help us identify the right financial strategies for you.
Our 4 step advice process
Stage 1: Understanding You
This stage is fairly simple but very important. We need to collect the facts about you so we can determine your financial position. We discuss with you your goals, debt needs, what you want to achieve now and your desired lifestyle in the future if appropriate.
This information helps us work out how much you can financially commit now and what we need to include in your financial plan to achieve your goals in the following years.
Stage 2: Assessing Your Options
We now have a clear understanding of your needs and situation to help us analyse the strategies, home loans, other products and/or platforms that are right for you. Your adviser will investigate and assess the solutions based on your risk tolerance, debt needs, repayment capacity, flexibility, assets and other needs.
Stage 3: Designing & Implementing Your Strategy
Your adviser will present you with a Statement of Advice which details our recommended home loan and other financial solution(s). If we have identified other financial needs we will advise you of the appropriate solution(s) based on our understanding of your needs and personal situation.
You then select a solution and give us authority to proceed with the implementation of the solution(s). If at this point you don’t want to select and proceed your adviser will discuss your options with you.
Stage 4: Reviewing Your Strategy & Needs
Our relationship with you does not end with the settlement of your loan or the implementation of a financial strategy. We know the financial benefit to you by regularly reviewing your financial strategies and managing your money effectively. Our service continues with regular reviews based on your needs, either quarterly, yearly or biennial reviews to ensure our advice remains appropriate and you maximise its benefits for you.
So whether you face specific challenges – like not having enough of a deposit, need more savings for the children’s education, retirement is approaching or a career change - or you just want to get ahead, Bernie Lewis can help you understand your financial options and make the right choices throughout life.
