Our Services

What does a financial planner do?

The role of a financial planner is more than simply investing your money on your behalf!

Appropriate, tailored financial advice can add far greater value to your financial position than investment performance alone.  

A good financial adviser will help you:

  • Gain financial peace of mind.

  • Understand financial strategies, and explain the jargon to you in simple terms.

  • Set and achieve your financial goals

  • Ensure your personal financial situation is in order before recommending any strategy

  • Review any government assistance that you are (or may be) entitled to

  • Attain the advice and guidance to help make the “big” decisions.

  • Protect your assets for you and your family.

In simple terms, working with a trusted financial adviser is all about “knowing rather than hoping”.

The single biggest reason why KmacD Financial is a good financial planner is: We want you to feel in control of your finances.

how we can help you

We offer an entire approach to your financial goals, based around the following major service areas.

While you may not immediately require some of these services, KmacD Financial keeps an eye on what you will need in the future when we are planning towards your goals.

RETIREMENT PLANNING

Let’s make sure you are on track to a comfortable retirement no matter how close or far away from that you are right now.

insurance

You are your most valuable asset!

It’s important to ensure you and your partner/ family are financially protected before you have to deal with significant illness or injury.

estate planning

While a solicitor is needed to draft your Will and Powers of Attorney, we can assist in structuring your assets to be passed to your family in the most tax effective manner.

INVESTMENT PLANNING

Let’s work out what investment solutions are right for you based on your current situation, tax implications, and your goals.

centrelink
aged pension

Centrelink Age Pension may be, or may become, an important part of your retirement income, Make sure your investments are structured so you are in the best position to be eligible.

second opinions

For people who feel unsure or uneasy about an investment or about the advice given by another Financial Planner, we can provide a second opinion.

superannuation

There are many ways to invest in superannuation; industry funds, retails funds and self-managed, and having the right structure for you is important.

aged care

Moving to Aged Care can be an overwhelming process, and decisions may need to be made at an emotional and stressful time. It is important to understand how to fund the upfront and ongoing costs.

WHY SHOULD I SEE A FINANCIAL PLANNER?

There are many reasons why clients come to KmacD Financial: 

  • Talking to an impartial person about your finances can provide different options you may not have considered.

  • We can offer a different, unbiased perspective on your financial situation that is not filtered through the emotional ties and opinions of friends and family.

  • We have assisted multiple people in a similar circumstance to you. Just knowing you are not alone in trying to create a stable, successful financial future can make all the difference in achieving it.

  • You gain our experience in dealing a wide variety of financial situations, so we are able to tailor our advice to your individual circumstances and goals.

  • You feel you need some help as decisions about money have a lasting impact and you want to ensure you get it right.

  • Life changes and circumstances change.  Maybe you have received an inheritance or taken on more debt and you want to make sure your family is protected.

How we work with you:

Our meetings are always face to face – either in person at our Aspley office, or via Zoom/Teams video call.

While we may have email communication between meetings, it’s especially important to have face-to-face communication when it comes to understanding your situation and in explaining our recommendations to you.

The ability to ask questions, gain answers and clarify information in real time ensures you understand exactly what we are advising, and why.

It also begins to create what we hope will become a long term relationship with you.

  • Our first meeting is an opportunity to gather information, discuss your goals and objectives, discuss strategies and ask questions.

    Most initial meetings are one to two hours.

    For this appointment I charge a fee of $330 including GST.
    This is a no obligation appointment.

    I will ask you to bring (or send in advance) details of your current assets, liabilities, income and expenses. We may also talk about your level of comfort with financial risk so we can get to work on the best strategy for you.

    I am very happy to conduct our meetings in person or via Zoom/Teams.

  • If you confirm that you wish to proceed with a written recommendation, we then gather further detailed information and develop a bespoke strategy to match your goals and objectives.

  • We then meet again to discuss the recommendation we have made, and the steps required to achieve your goals and objectives.

    We will explain everything in detail so you feel confident about setting your plan in motion.

  • With your approval, we fully implement the recommendations and strategy that we have developed for you.

    We keep you informed through each stage of the process.

  • Ongoing monitoring of your financial situation is not always necessary - however it is always necessary to review.

    We offer an annual review option or you are welcome to instigate a review when you decide it is necessary.

    We will provide additional information regarding reviews during our initial meeting, depending on the level of ongoing service and financial monitoring you require.

WHAT DOES OUR FINANCIAL PLANNING COST?

The initial meeting fee (approx 2 hours) is $330. There is no obligation to engage our ongoing services in order to have this meeting.

We also offer a FREE 15 minute consultation with Kristy so you can get a feel for our approach before booking that initial meeting.

Following the initial meeting, if you wish to proceed with a written recommendation, the cost for implementing your strategy will be outlined in a quote provided to you.

Our fee is calculated based on the complexity of the strategy and recommendation. 

For superannuation and investment it will be Fee based.  If your recommendation includes insurance products this may be fee based or a commission, but this will be discussed with your before we proceed with your recommendation.