Financial Planning Process
At Stable Private Clients, we provide financial advice that is tailored to your specific situation and objectives using the
following process:

• The first meeting
  
  The first meeting is a get to know you session where we explain our process and obtain information about your current financial position and what you are hoping to achieve. We will request that you complete and forward a Client Data Form to us before this meeting so that we can discuss some of the strategies that may be available to you.
  
  
• Understanding your objectives
  
  As your situation is unique we take the time to listen to what it is that you feel is important or may be of concern to you. Sometimes this is not always clear and we provide assistance to determine what your goals may be.
  
  
• Recommending appropriate strategies to achieve your objectives
  
  After assessing your current circumstance and what you want to achieve we prepare a personalized financial plan (called a Statement of Advice) that clearly explains our proposed strategies and how they will achieve your objectives. The plan is presented to you at our second meeting and if you are in agreement we work with you to implement the recommended strategies and investments, including organizing all of the required paperwork.
  
  
• Reviews
  
  We review and update your financial plan on a regular basis to take into account any changes to your current position or objectives and work with you to ensure that you ‘stay on target’ to achieve your objectives.
  
  

Wealth Builders
If you are seeking ways to build wealth for the future we can:

• Develop tailored tax effective wealth accumulation strategies designed to help you achieve your goals be they short (eg.deposit for a home) or longer term ( eg.children’s education).
• Help you manage your cashflow to generate the free cash flow needed to accumulate wealth.
• Help you to manage your debts and/or to use debt effectively to accumulate wealth.
• Ensure you have appropriate personal risk management strategies in place to protect your biggest asset (your earning power).
• Advise on your current superannuation arrangements to ensure that these are structured in such a way to maximize your retirement income.
• Assist you to put into place appropriate estate planning arrangements.

• Calculate your projected income in retirement based on your current position and strategies to identify if you will have sufficient funds to live your desired lifestyle in retirement.
• Develop and implement strategies to maximize your projected position at retirement in order to assist you to achieve your desired lifestyle in retirement.
• Help you to manage your cashflow to generate additional funds that can be invested to provide you with your desired level of financial security in retirement.
• Advise on your current superannuation arrangements to ensure that these are structured in such a way to maximize your retirement income.
• Assist with debt reduction strategies if necessary.
• Review your personal risk management strategies to ensure that these are still appropriate to your requirements given any changes to your circumstances.
• Ensure your estate planning arrangements are structured so you can be confident that your wealth will pass in accordance with your wishes in the most tax effective manner in the event of your death.

• Ensure that you receive your required level of income in retirement in a simple and a tax-effective manner.
• Provide tailored investment advice & solutions designed to help preserve your capital and to provide you with long term financial security.
• Optimise your entitlements to Centrelink benefits.
• Provide assistance in respect of minimising the cost of aged care.
• Ensure your estate planning arrangements are structured so you can be confident that your wealth will pass in accordance with your wishes in the most tax effective manner in the event of your death.