Noll Moriarty, CFP®. 8 Stringybark Drive, Aspley, Queensland 4034.
Authorised Representative # 245078 of
Professional Investment Services, Australian Financial Services Licence 234951, ABN 11 074 608 558.
My Financial Planning Process
No obligation Stage Initial Discussions Fill in parts of Client Data Form
Until I specify Nominate goals (near, long-term)
estimated costs of the advice
re aims and concerns
What are main issues, concerns?
Detailed Data Gathering Complete Client Data Form
Detailed information on goals
Education Processes Review PowerPoint presentations
eg meaning of “risk” Complete Risk Profiler questions
Analysis of Current Situation Are goals realistic?
Strategy Stage 1 What minimum risk is
Requirements to meet financial goals
(specifies costs & required?
benefits of
different options)
Different risk strategies
Define relevant choices Efficient use of debt
Review pros and cons of strategies Super vs non-super
Ownership structures
You make the informed decisions Revised goals
Stage 2
Balance of risk & return
(You decide to
Required flexibility
proceed to SoA)
I prepare Statement of Advice
You Approve
Statement of Advice
Ongoing Reviews &
associated costs
(covers research, Review Investments
reports & portfolio every 3-12 months; you approve changes
adjustments)
