Premier Financial Planning & Investment Services
Build Wealth. Protect What Matters.
Personal financial planning, investment and risk advice, wherever you live.
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Our Story
Founded in 2010, with Robert and his son, Jayden, working from a spare bedroom in Deniliquin, Premier Financial Planning & Investment Services has grown into a thriving financial planning practice with two offices, two advisers and a dedicated team of three support staff. From the beginning, our clients have been at the heart of everything we do.
While our business has grown, our values have remained unchanged. Being founded in the rural town of Deniliquin has shaped our belief that where you live should never be a barrier to accessing quality financial advice.
We serve clients across Australia, combining the personal approach of a local practice with technology that allows us to provide quality advice no matter where our clients are located.
Our Approach
Our Services
Wealth
Invest in your future
- Wealth accumulation
- Managed investments
- Education bonds
- Bonds
- Social security (Aged Pension)
- Aged care discussions
Superannuation
Invest in your future
- Personal Superannuation
- Self Managed Superannuation
- Super income streams for retirement
- Annuities
- Contribution to super advice
- Tax minimisation through super
Insurance
Protect your family & assets
- Life insurance
- Total and permanent disability insurance
- Trauma/Critical illness insurance
- Income Protection
- Key Person Insurance
- Buy/sell insurance
- Claims assistance guarantee*
*if you hold an insurance policy with us and suffer a claimable event, we manage the claim free of charge.
Our Process
1
Initial appointment (discovery appointment)
This may be with both advisers or only one. Bring an idea of what you are wanting to achieve and the timeframe you would like to achieve it in. Relevant paperwork i.e. super statement, lists of assets.
2
Advice offer
Either at the meeting or via phone following the meeting, the adviser will advise if they are able to help you reach your goals and offer advice. No specific product or strategy advice will be provided at this stage. Any costs associated with advice will be disclosed here (initial fee for SoA etc).
3
Advice presentation
Formal advice is given via a Statement of Advice document that is compliant with our licensee Lifespan. During this presentation meeting, any questions regarding the advice are raised and addressed. This is the core education piece of the process and discusses strategies we can put in place to meet your goals.
4
Take it all in
We recommend you take the document home, read it fully, ask further questions and once comfortable advise the adviser if you wish to proceed/not proceed.
5
Implementation of advice
All relevant documents signed and processed by our office. We walk you through the implementation process and set expectations of how the implementation process will look.
6
Offer of ongoing service
If relevant to your situation you may get the option to engage in a fixed term advice service. This is a 12 month service agreement. We are available for assistance and any questions. Towards the end of the 12 month period, we review the suitability of the strategies to ensure you are still meeting your goals.
Frequently asked questions
Do you handle tax returns?
While we develop tax-effective financial strategies, we do not prepare annual tax returns. Speak to your tax agent (accountant) for this.
What is a Statement of Advice (SoA)?
An SoA is a personalised written financial plan. It details our explicit product recommendations, strategies and the rationale behind them. All SoAs are generated with your best interest at the forefront and comply with the Financial Adviser’s code of ethics 2019.
How long does it take to receive my SoA after our initial meeting and advice offer?
Timeframes of formal advice presentations vary. We aim to have the formal document ready to present within two weeks from your initial meeting. Our office will communicate the timeframe to you when the formal advice offer is given. From initial appointment to implementation (if proceeded) can take up to six weeks.
How much does financial advice cost?
Costs associated with advice vary depending on scope and complexity. Upfront fees and ongoing advice structures are fully disclosed and agreed upon before any formal plan is prepared. For an overview of our range of fees, see the Adviser Profiles
If I don’t proceed with the advice, do I still need to pay the upfront fee?
Yes. Once a formal advice document has been offered and accepted, the upfront fees relating to the preparation of SoA are payable in full should you either proceed or not proceed. The fees cover the costs and time associated with formulating the advice document.