Planning

The personalised planning service provided by Craig Smith & Associates is very thorough. The result of the planning process is a detailed set of product and service recommendations tailored to your situation. This process follows a logical and proven path:

• Fact Finding - The planning process starts with an initial meeting with one of our Financial Planners. We will conduct a needs analysis and complete a fact find questionnaire so as to understand your particular financial needs and objectives.

• Evaluation - where all the information is considered and your present position is compared to their objectives.

• Analysis of Options - where areas needing attention are addressed and different strategies to achieving your objectives are considered.

• Recommendations - are presented and the recommended strategy is explained to you.

• Implementation - you authorise us to implement the chosen strategy.

To remain effective all financial recommendations and strategies need to be reviewed from time to time. It is advised that this be done no less frequently than annually, as this will allow changes in personal circumstances, movements in investment markets, and changes in tax ruling and legislation to be considered.

Services

We add value to your business and personal financial affairs by:

• Establishing your personal & financial goals and objectives with those recommendations and strategies presented in writing

• Providing advice on the following:

  • Superannuation – individual & corporate
  • Self Managed Superannuation Funds (SMSF) advice & facilitation
  • Tax Effective Agri Investments
  • Managed Funds – with & without gearing
  • Retirement Planning
  • Centrelink Support
  • Estate Protection Planning & Will facilitation
  • Direct Share trading facilitation
  • Mortgage facilitation
  • Personal insurances:
    
    
  • Death & Total & Permanent Disability
  • Income Protection
  • Trauma

• Applying Life Insurance advice to Corporate/Business situations with:

  • Buy/Sell arrangements
  • Guarantor Protection/Debt Cancellation cover
  • Key Person Revenue & Capital Purpose cover

• On-Going Monitoring and Reporting

Referrals to Other Services

From time to time assistance may be required from other professionals. In this event, we have an established referral network to accountants, solicitors, trustee services, stock brokers, and other related professionals available throughout Australia.

Advice

Craig Smith & Associate’s representatives are authorised to provide advice on a wide range of products and services. Australian Financial Services holds a dealer's licence issued by the Australian Securities and Investments Commission (ASIC). Our responsibility is to the client. As such, Australian Financial Services representatives act for the client and Australian Financial Services is responsible for the advice given. These days, clients want to be sure that the advice they receive is up to date and accurate. Whilst Australian Financial Services advisers have many years of practical experience, continuing education is a requirement of the group.

In addition, all products recommended are subject to detailed analysis before being placed on our approved product list. Investment products are examined for:

• Past performance
• Asset allocation
• Expertise and philosophy of the management team

Insurance products are examined for:

• Policy wording
• Product benefit
• Competitive cost structures