Our financial health check is a fast, free and easy way to discover how you're tracking on our six pillars of financial health.

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Documenting income and expenses

We appreciate that clients will know varying amounts of information about their current circumstances. That’s why we’re here to help them bring it all together. Getting the facts on the table and encouraging people to share their goals so we can build a plan together is the foundation of a good long term planning relationship. As part of the discovery process, we will ask you to provide information about your current assets and liabilities.

What we need to know and why it matters

Financial terms

Plain English

Why it matters

How FMD can help

Your financial and lifestyle goals. What you want to do with your money and how to make it work for you. Defining and documenting your goals enables us to create a plan that will meet your needs now and in the future. As your very own financial coach we take responsibility for building and managing your wealth - leaving you more time for living.
A list of your assets and liabilities. What you own and what you owe. You current assets and liability position gives us a snapshot of your overall financial position. By understanding the nature of your assets and liabilities, as well as who owns and controls them, we can help you grow your assets and recognise the risks associated with your liability.
Your cashflow budget. Details of all your income and expenses and when they take place. Understanding your cost of living gives us an important measure of your ability to ‘have now’ or ‘invest for later'. Our Cash Flow Analysis questionnaire will help you define and categorise your living expenses.
Your career status. Information about expected changes to your business or career. This information may have a significant impact on your cash flow budget and impact tax requirements. Plans to sell your business or cash out employment entitlements can create unique investment opportunities.
Your insurance position.  What insurance coverage you currently have. This enables us to determine if you and your family have adequate protection in the event of an accident, illness, trauma or death. If there are any shortfalls in your level of cover we can advise you on how best to achieve your personal wealth protection needs.
Your risk profile. An understanding of how much risk you are willing to take to improve your financial position. When seeking investment returns (income and growth) there is always a trade-off between risk and return. How much risk you are prepared to take is called your ‘risk profile’ which can help determine the right investment approach for you. Helping people understand asset classes and their risks, along with the rationale for diversification is an important part of our job as trusted financial advisers and educators.

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