When it comes to financial planning, are you wondering how things work - and why?
Here we answer questions about the consequences and benefits of working with a financial planner...
Financial Planning FAQs
The financial planning FAQs list are designed to answer some of the questions that you might have about using the services of a financial planner.
These FAQs are separated into generic questions about financial planning and financial planners. They also deal with the services available and the costs associated investing through a financial planner – as well as answering a number of questions that are specific to Continuum Financial Planners Pty Ltd (how we ‘keep our professional house in order’). For messages from satisfied clients about the value of the services we deliver, go to the ‘Clients Say’ Page.
Have a question you can’t find the answer to? Click HERE and go to our contact page to submit your questions and we will get back to you as soon as we can.
What Does a Financial Planner Do?
A financial planner is a professional who assists clients in achieving their financial goals within a specified timeframe, optimising the use of available resources. At Continuum Financial Planners (ContinuumFP), our financial planners are appropriately qualified and experienced in a variety of advice services to help clients achieve their financial goals
- Wealth Accumulation and Investment Strategies
- Asset Protection and Risk Insurance Strategies
- Cashflow Management, including Debt Management
- Superannuation Strategies, including Self-Managed Superannuation Funds
- Retirement Planning, including Centrelink Strategies
- Estate Planning
Our financial planners listen to their clients, understand their needs, and provide tailored solutions. For more details on their qualifications and experience, visit the Adviser Profile page on our Financial Services Guide.
If you think our Financial Planners at ContinuumFP can assist you, please book a meeting or call us on 07 3421 3456.
How Can a Financial Planner Help Me?
The financial planners at Continuum FP will:
- Understand your financial goals and their significance to you
- Work with you to assess your resources
- Determine which advice services may best help you achieve your goals within your timeframe
Our advice services include:
- Wealth Accumulation and Investment Strategies
- Asset Protection and Risk Insurance Strategies
- Cashflow Management, including Debt Management
- Superannuation Strategies, including Self-Managed Superannuation Funds
- Retirement Planning, including Centrelink Strategies
- Estate Planning
If you think our Financial Planners at ContinuumFP can assist you, please book an initial meeting or call us on 07 3421 3456.
How Much Money Do I Need to See a Financial Planner?
Consulting a financial planner is less about the amount of money you have and more about achieving specific financial goals. At ContinuumFP, we understand that every client’s situation is unique. Our initial meetings are no-cost and provide an opportunity to discuss your financial circumstances, goals, and how our advice can be tailored to you.
If you think our Financial Planners at ContinuumFP can assist you, please Book an initial meeting or call us on 07 3421 3456.
When Should I See Financial Planning?
Financial planning advice becomes particularly valuable when you experience key life or financial milestones, including:
- Starting or changing employment
- Moving out of your parents’ home
- Buying property
- Entering a personal or business relationship
- Starting a business or family
- Planning for or commencing retirement
- Aged Care
- Receiving an inheritance or benefiting from a capital gain
Our financial planners possess expertise in guiding clients through these significant events. If you think our Financial Planners at ContinuumFP can assist you, please book an initial meeting or call us on 07 3421 3456.
Who are Continuum Financial Planners?
Continuum Financial Planners Pty Ltd (ContinuumFP), based in Upper Mount Gravatt, has been offering financial planning advice since January 2004. Serving clients across South East Queensland and beyond, we are a Corporate Authorised Representative of Lifespan Financial Planning Pty Ltd (AFSL 229892).
What are your fees?
At ContinuumFP we operate on a ‘fee for service’ basis. All advice fees are quoted before work commences; and ongoing service fees are packaged and priced according to your individual needs and requirements and confirmed in an Ongoing Fee Arrangement or a Fixed Term Service Agreement.
A fee guide is outlined in your Adviser’ specific Adviser Profile on our Financial Services Guide and Adviser Profile page.
Initial Meeting Cost
Our initial meetings are complimentary. They are an opportunity to discuss your financial goals and determine which advice services might benefit you.
A fee guide is outlined in your Adviser’ specific Adviser Profile on our Financial Services Guide and Adviser Profile page.
Initial Meeting Cost
Our initial meetings are complimentary. They are an opportunity to discuss your financial goals and determine which advice services might benefit you.
How do I know if Continuum Financial Planners is the right fit for me?
The best way to determine if we’re the right fit for you is through an initial meeting. It’s a no-cost opportunity to discuss your financial aspirations and concerns. If we can’t provide the specific advice you need, we’ll let you know.
What does the process at ContinuumFP involve?
Our process is designed to be thorough and client-focused, starting with a no-cost initial meeting. Here’s a breakdown:
Initial Meeting
This complimentary session is where we discuss your financial goals. It’s an opportunity for us to understand what you aim to achieve and for you to get to know our approach.
Getting to Know You Stage
If you decide to proceed with us, we begin by collecting relevant data and gaining a comprehensive understanding of your current financial position. This phase is crucial for tailoring our advice to your specific needs.
Developing Personalised Advice
We then create a customised financial plan based on the information gathered. This plan is tailored to your unique financial goals and circumstances.
Presentation of Advice
Once the plan is ready, we present it to you for review. We ensure you understand all aspects of the proposed strategy and are comfortable with the approach.
Implementation
With your agreement, we proceed to implement the strategy, ensuring every step is executed as planned.
Regular Reviews
To keep your financial goals on track, we conduct regular reviews. These sessions are vital for adjusting the strategy as needed, considering any changes in your life or financial circumstances.
This process is designed to provide you with comprehensive and personalised financial advice, ensuring that your goals are met effectively and efficiently.
What should I do to prepare for my initial meeting at ContinuumFP?
Preparing for your initial meeting can make your initial meeting more productive. Here are some suggestions:
Reflect on Your Financial Goals
Think about what you want to achieve financially. This could be short-term objectives like saving for a vacation, or long-term goals like retirement planning.
Gather Financial Documents
While it’s not mandatory, bringing relevant financial documents can be extremely helpful. These might include:
- Personal or household budgets.
- A list of assets and liabilities.
- Details of any loans, including balances, interest rates, and repayment schedules.
- Latest statements of your superannuation accounts.
- Recent statements for any investment assets, such as shares or managed funds.
- Details of any insurance policies you hold.
- Recent pay slips or income statements.
- Your Tax File Number and a form of ID, like a driver’s licence or passport.
- Having these documents at hand can provide a clearer picture of your financial situation, enabling us to give more precise and tailored advice.
Remember, the more information we have, the better we can understand your financial position and goals, leading to more effective planning and advice.
How is ContinuumFP authorised to provide financial advice?
Continuum Financial Planners is a Corporate Authorised Representative of Lifespan Financial Planning Pty Ltd, which holds Australian Financial Service Licence number 229892. Lifespan Financial Planning is a well-respected entity in the financial advice industry, ensuring our advice meets high standards of compliance and professionalism.
What is the client value proposition at ContinuumFP?
Our clients typically experience a sense of peace of mind and satisfaction from our services. We are known for providing:
Tailored advice
Our solutions are customised to meet each client’s unique needs.
Efficient service
We strive for prompt and effective management of your financial planning needs.
Collaborative approach
We work closely with you to ensure our advice aligns with your goals.
Fee-for-service model
This ensures transparency in our fees, with no hidden costs.
Regular reviews
We continually assess and update your financial plan to ensure it remains relevant and effective.
How do I get started with ContinuumFP?
Getting started with us is straightforward.
Book an Initial Meeting
There is no cost for this initial consultation. It’s an opportunity for you to learn about our process and for us to understand your financial goals.
Discuss Your Needs
During this meeting, we’ll discuss how we can assist you in achieving your financial aspirations.
Decide on Engagement
If you choose to work with us, we’ll guide you through the next steps of our financial planning process.
Book an initial meeting or Call us on 07 3421 3456.
How much money do I need to make it worthwhile seeing a financial planner?
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When should I start financial planning?
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What fees will I pay if I engage a financial planner?
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