Wealth Creation

Wealth creation advice

Wealth creation occurs when sound investment strategies are implemented with account of your personal and financial circumstances, available resources, needs and goals being matched with your investor risk profile and relevant timeframe(s). Wealth is more than a financial score: it is also a feeling of well-being.

Your Continuum adviser will work with you to devise the personal plan that suits you; and will help you decide the most suitable investment platform and investment portfolio (including managed funds) to help you reach your goals sooner.

The Continuum Financial Planning Process

1. We Get to Know You

This is a very important step when it comes to planning your financial strategies. We want you to feel comfortable discussing your financial goals with our advisers in a trusting relationship. To this end we conduct an initial interview with you to establish whether there is a sufficient ‘connect’ between yourself and our adviser to give you the confidence to appoint us to provide these services: this is a no-charge, no-obligation meeting. If you are ready to commit to us at that time, a schedule of ongoing activity is then arranged with you.

2. ..and more about you

What are your life goals, your interests, your preferences? What time frame(s) are available to achieve these goals? Through a detailed process our adviser will work with you to document all the relevant information required to satisfy themselves that they ‘know you (and your circumstances)’ – including your investment risk aversion factor – sufficiently to be able to compile recommendations as to strategies that will assist you with achieve satisfaction with your financial well-being.

3. We Advise

Your Continuum adviser will recommend a strategy to help you create wealth tax-effectively. Our Statement of Advice will incorporate the strategy we recommend; and also the asset allocation, any administration platform and usually, for at least part of the portfolio, fund managers.

4. We recommend Protection

Key elements of any wealth creation plan are wealth protection; and estate planning. Whilst accidents and illnesses won’t always be life threatening, nor permanently disabling, it’s important to consider our loved ones in the event that they become so.
Income protection insurance, trauma, life and total and permanent disability (TPD) insurance (and Wills and EPAs) need to be incorporated into your advice to ensure that your lifestyle – and your loved ones – are well taken care of should anything happen to you.

5. We encourage Ongoing Monitoring of Progress

Often-times events and circumstances change our goals and priorities and force us to re-evaluate our strategic direction. Regularly reviewing your financial situation will ensure you are still on-track to achieving your life goals. At Continuum, we offer several ongoing service packages with regular reviews of strategy and portfolio included.