Do you want to be in control of your finances? Are you an individual, family or small business wanting to optimise the use of your resources and skills?
Do you want to achieve your financial goals and objectives? Then, Optimiser is the programme for you.
Optimiser is delivered in the form of personalised financial coaching. As a financial adviser I recognise that, as no two people are the same, neither are their needs, goals or financial situations. The intention is not to fit you into a template, but to customise advice around your particular needs, goals and personality, to optimise your financial outcome.
1. Goals & Objectives
Know where you’re heading
2. Current Position
Where you’re starting from, are you on track?
3. Money Management
Getting your budget to work for you
4. Estate Planning
Ownership structures, wills, ensuring your hard work benefits those you love
5. Retirement Planning
Financial independence, investing, putting your money to work
6. Risk Management
Adverse circumstances happen, planning to minimise/limit the damage when it does.
You will meet with your individual financial adviser over 7 meetings of approximately 2 hours each. You will also receive an additional 15+ hours of your adviser’s individual work on your personal programme in between meetings.
If at the end of the 12-month period you don’t believe you have had good value, or there are areas not fully implemented, you will be able to run through these parts of the programme again at no additional cost.
To keep the cost of Optimiser as reasonable as possible, the bulk of the remuneration for the financial advice is expected to come from potential commission/fees involved in the implementation of risk insurance and investment policies given throughout the programme.
This allows the set fee to be $1,200 for the course of the 12-month programme. This consists of a monthly payment of $100.
Those that are most likely to get the best benefit out of Optimiser have a household income of $100,000 plus or are self-employed. This programme will bring purpose and focus, while educating, challenging the status quo, by helping couples to work together, reducing financial stress and providing a sounding board for those difficult financial questions.
To have any lasting success from this course, participants will need to be ready to take responsibility and ownership for their decisions and the consequences. As in most areas in life, the key to success starts with our thinking and choices. Where a willingness to explore new concepts, change and sacrifice is present, the greatest benefits are likely to be had. Action, not wishful thinking, is what will change outcomes.
Stephen Wescombe is an Authorised Financial Adviser with a diploma in Personal Financial Planning. He is a Certified Financial Planner and has been practising in Canterbury for the past 12 years.
In 2009, Stephen started the Ark Financial Group. Ark has grown to a firm of 4 advisers and 3 administration staff trading under this name, serving several thousand clients in NZ.