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Steps Involved in Financial Planning Process

Discuss about the Financial Planning and Forecasting for Official e-mail.

Before the first meeting the financial planner executives has to fix the time and place of the meeting with the clients via telephone or official e-mail.  After fixing the meeting time the executive has to maintain requisite discipline and punctuality and attend the meeting on scheduled time so that improve the perceptions of the clients on the financial planner executive and the company which he/she represent as people like the people who maintain discipline and punctuality. In the first meeting with the clients the financial planning executive has to produce his/her business card and valid identity proof in order to achieve the trust of the client so that the executive can improve his/her trustworthy in front of the client.  

The clients should be instructed to prepare with the information on the their prior investments schemes with proper documentations. Besides this,  the investment queries  must be prepared from the client side.

The financial planner has to explain in detail about the financial planning services offered by the Mentor Financial Planning Pty Ltd. Besides this, he/she can produce the itinerary of the company to the clients so that the client can depend on him/her and on the Mentor Financial Planning Pty Ltd. Besides this, some personal inputs may enhance the relationship with clients.

 In order to make effective financial planning, the financial planner has to go through the following:

Determination of the current financial position of the client

Development of the financial goals

Identification of substitute course of action

Evaluation of the substitutes

Creation and implementation of a plan for financial action

Reevaluation and revision of the prepared plan

The financial planner executive have to produce his/her detail like the detail of the company he/she represent, here as per the case study, the company is:

Mentor Financial Planning Pty Ltd

ABN 99 109 240 897

AFSL xxxxxx

Level 2, Suite 2

349 Collins Street

Melbourne Vic 30000

Besides this the executive Business card with the name and ASIC Authorization Representative Number will be produced to the client.

Besides this, the executive also provide the information of his financial background such as his qualification for providing such types of services, his experiences, etc will improve the trust of the client on the executive.

The company is authorized to give advice on financial product as well as arrange the following services:

  • Effective risk management services as well as protection of asset.
  • Economizing and redundancy advice
  • Strategies for wealth creation
  • Guidance for accessing direct share
  • Social security

Role of a Financial Planner

Besides this, the company provides general advice as well as personal advice.

The executive would tell the client about his academic background along with the experiences in the financial planning field  besides this, he/she can share about his/her family and personal experience in order to make good rapport with the clients.

The company charges the fees on the basis of the time spend for developing the plan for the clients.

Alternatively the company may receive payment on the cost of the investment done by the clients as a brokerage.

 The executive has to ask the client on their understand about the fee structure of the company for providing financial advice and if the clients have any queries then it is the responsibility of the financial planner to explain the clients clearly about the fees structure of the company.

j)

(i) In case of the client do not understand English properly then the financial planner has to take help from a interpreter who will translate both parties languages so that they can understand correctly what they want to say.

ii) In this case the financial planner executive should avoid to advice.

iii) In this types of situation the financial planner has to use his/her efficiency so that effective advice can be given.

iv) Try to balance the financial situation.

v) If the clients are disabled then the financial advisor must take extra care of the clients.

Vi) The executive has to be sympathize to the cultural background of the clients.

vii) The age related need must be given to the client by the financial planner.

The three steps that your client should take if they have a complaint or dispute prior to contacting the ASIC are as follows:-

  • Step 1- Contact the business with your complaint

This step provides on spot solving of problems that are provided by the client. If this step of provides unhappiness regarding the problem solved, and then the client prefers the next step that is the step 2.

  • Step-2- Further taking your complaints

This step provides the views regarding the problem solved with thereby launching an email with appropriate heading and title of the problem faced with the contact details. The original copies of the invoices must be provided for solving the problem. If the client does not receive the solution during the reasonable time period or the response accordingly then the client must prefer the process of step 3.

  • Step-3- Contact an external dispute resolution schemes

For the resolution of these types of dispute, the EDR schemes must be followed by the client and for these the complaints are heard for free with providing the solutions for the problems mentioned.  

Information provided by Mentor Financial Planning Pty Ltd

(a) Contact details

DETAILS

CLIENT 1

CLIENT 2

Mark

1.  Title:

2.  Given Name:

Donna

Dennis

3.  Preferred Name:

Donna

Dennis

4.  Surname:

Barker

Barker

5.  Date of Birth:

6.  Marital Status:

Married

Married

/ 1

Home Address:

Address: 

Suburb/Town:  

State:                                        Postcode: 

Home Telephone No.

Preferred Contact No.

  /1

(b) Child / dependant details

Name:

Megan

/ 1

Relationship:

Daughter

Date of Birth:

Current Age:

Financially Dependent:

No

(c) Financial arrangements involving siblings, parents or others

Name:

/ 1

Relationship:

Financial Arrangement

Date Commenced:

Amount of Money:

(d) Relationship history involving financial implications

According to the case, there is no previous marriages and history involving financial implications.  

 

 

/ 1

(e) Health details

Do you Smoke:

No

/ 1

State of Health:

 Excellent

Are you aware of any health issues that may impact your ability to earn an income? (please provide details)

No, there is no health issues that will impact my ability to earn an income  

(a) Other personal financial arrangements

Donna and Dennis earns salary from their jobs and has no other personal financial arrangements  

/ 1

(b) Investment Experience

CLIENT 1

CLIENT 2

Mark

Donna paid annually an amount of $17,000 into her superannuation fund as the personal contribution.

Dennis has superannuation savings of amount $51000 held within PP superannuation fund.  

/ 1

(c) Acting as guarantor

 No

/ 1

(d) Employment details

CLIENT 1

CLIENT 2

Mark

1.      Employment Status:

Full Time Employed

     Full Time Employed

2.      Employer Name:

Best Marketing

Newbold’s Pty Ltd

/ 1

3.      Position Title:

/ 1

4.      Primary Duties:

5.      Work Address:

6.      Work Phone No.:

7.      Previous Job

8.      Employment Security:

Yes

Yes

/ 1

9.      Are you contemplating leaving your employer?

10.  Do you foresee any substantial change in your income in the next 2-5 years?

Yes

Yes

/ 1

Notes:

 

(e) Previous financial history

 

Mark

Do you have a previous financial history such as:

·         Bankruptcy;                                No         

·         Refusal of credit:                       No

 

 

 

/ 1

  1. f) Estate planning issues

 

CLIENT 1

CLIENT 2

Do you have a current Will?

No

No

Date of Will / Last Reviewed:

No                                                                        /                                                                             /

No                                                                        /                                                                             /

Power of attorney

No

No

Type / Name of Attorney?

Do you have Funeral Plans?

No

No

Do you have any specific intentions regarding your estate distribution?

No

No

  1. g) Retirement planning

Retirement Details

CLIENT 1

CLIENT 2

Planned Retirement Age:

53

52

Retirement Income required:

$90,000                            (today’s dollar)

$45,000

After retirement, do you intend to work again either on a full-time or part-time basis?

N0

Yes

Expected Income

$: $25,000

Till age: 65

What capital expenses will you have in retirement? (Please state expense and value)

$40,000

$40,000

Would you like some assets left to your estate? (Please detail)

No

No

Special Needs

a)

Special Needs

Description

a deficient in English

No, the client does not have any problem regarding the need mentioned.

variety of products and services outside authority

Yes, the service varies according to the demand made by the client.

complex estate planning situations

No, simple estate planning situations.

unbalanced financial situations

No, the client is provided with the simple and the biased financial situation

a disability

No, the ability is created for the changes

needs of different cultural backgrounds

No

age related needs (i.e. very young or  older age groups)

Yes, the needs vary dependent on the age group.

(b) Other adviser details

Accountant

Name:

Alex Mentor

Company:

Mentor Financial Planning Pty Ltd, ABN No. 99 109

240 897, AFSL No. xxxxx. Level 2, 349 Collins Street,

Melbourne, VIC 3000

Contact Detail:

Phone: 1300 306 146

Fax: 03 9614 1807.

Client expectations, priorities and objectives

Client expectations and requirements

Description

Reasons for seeking financial advice:

o Relatively small amount,

o Simple financial strategy,

o Limited or preset range of product

o Product specific advice and/or service,

o Comprehensive financial planning,

o Portfolio advice, or

o Product specific advice and/or service

Explain:

The descriptions consist of the advices which the client expects for the financial planning process. It must be executed for the enhancement of the portfolio advices and thereby the comprehensive financial planning with appropriate services can be executed.

(b) Client priorities

For example, current income needs, retirement income needs, diversification, tax minimisation, capital growth, investment security, wealth creation, eliminate mortgage etc

Description

The client specially demands to get an appropriate retirement plan so that they can live life freely without any tension. The clients priorities consists of the current income needs with respect to the retirement needs must be fulfilled with the process of tax minimization and appropriate wealth creation.

(c) Client objectives 

i. Short Term (1 to 3 years)

 The objective is to invest into different saving schemes  such as Superannuation Fund

ii. Medium Term (4 to 7 years)

 

To manage the funds and assets for future purpose.

 

iii. Long Term (7 year plus)

 

The main objective of the client is to utilize saved money and invest in bonds and shares.

 

(a) Lifestyle Assets

Asset

Owner

Date Acquired

Purchase Price

Current Value

CGT Impact

Debt

 Net Value

Mark

Principal Residence:

Joint

   

750,000

 

130,000

620,000

  / 2

Contents:

     

50,000

   

50,000

 

Motor Vehicle(s):                  

               

Caravan, Boat, Trailer:

               

Investment Property:

               

Other:

               

Total

     

840,000

   

710,000

 

Mark

               

(b) Investment Assets

Asset

Reference Number

Owner

Date Invested

No of Units

Purchase Value

Current Value

Retain Yes/No

CGT Impact

Debt

Net Value

Mark

                     

/ 4

Bank Account

 

Joint

     

9000

Yes

   

9000

 

Term Deposit

 

Joint

     

12000

     

12000

 

Cash management fund

 

Joint

     

12000

     

12000

 

Total

         

36000

     

36000

 

Mark

                     

(c) Liabilities

 

Finance Provider

Owner

Guarantor

Date Commenced

Repayment Amount

Repayment Frequency

Interest Rate

Balance

Mark

Home Loan:

             

130000

/ 2

Investment Loan:

                 

Personal Loan:

                 

Credit Cards:

                 

Other:

                 

Total

                 

(d) Total Gearing (Lending to Valuation Ratio)    Total Liabilities _____130000________   /   Total

Assets

__746000___________   =     __17.42___________% 

Income details

Income:

     

Investment Income:

504800

53040

 

Centrelink Income:

     

Pension/Annuity Income

     

Other Income:

30000

10000

 

   Less Income Tax

-160440

-1328

 

   Less Medicare Levy

-10696

-1260

 

Add Low Income Tax Offset

     

Total Tax

     

Total Net Income

363664

60452

 

Marginal Tax Rate

30

21

/ 10

(b) Expense details

 

COMBINED

Mark

Food:

 

/ 3

Entertainment:

   

Transport/Vehicle:

40000

 

Council Rates:

   

Amenities:

   

Rent:

   

Mortgage Repayments:

130000

 

Other

   

Total Net Expenses

170000

 

(c) Surplus disposable income

 

COMBINED

Mark

Annual:

135000

/2

Monthly:

11250

 

Superannuation and Insurance arrangements

(a) Superannuation

Company

Policy No.

Employer/ Personal

Owner

Eligible Start Date

Contribution

Rate/ Amount

Current Cash Value

Mark

Best Marketing

220000

/ 2

Newbold’s Pty Ltd

51000

(b) Insurance within superannuation

Do any of the above policies have insurance attached?

Yes

/ 1

Are any of the above policies preserved?

No

As a tax deduction been claimed for part/all?

Yes

Are there any exit fees applicable?

No

(c) Leave payments

Type

Expected Receipt Date

Anticipated Amount

 

 

 

 

 

 

 

 

/ 1

Annual:

 

 

Long Service:

 

 

Other:

 

 

Have you recently received a redundancy package?

No

If you have recently received a redundancy package, please provide notice of payments.

(d) General insurance

Insurance Description

Policy Number

Owner

Date Commencement

Sum Insured

Premium Payable

Maturity Date

 

 

 

 

 

 

/ 1

TPD insurance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Generic Needs

Current Financial Position/Requirements

Marks

1.  Assets

The asset value shows strong financial position of the client

/ 1

2. Tax Minimization

The tax has to the paid as per the income tax law

/ 1

3. Income

The income of the clients has increased which is good

/ 1

4. Superannuation

The clients are getting returns from the funds

/ 1

5. Expenses

The clients are having high expenses that need to be manage

/ 1

6. Debt Reduction

The liabilities of the client are not so high

/ 1

7. Investment Planning

The investment planning of the clients are appropriate   

/ 1

8. Wealth protection

The deposits in banks and saving plans will help to increase funds

/ 1

9. Estate Planning

/ 1

10.  Business Planning

/ 1

Risk, fraud and conflict of interest assessment

Risk and Fraud indicators

Comments

 

Mark

1.    Conflict of interest risk Eg. Is this client involved in a financial dispute with another client of the licensee?

No, the client is not involved in any financial disputes.

/ 2

2.    Cost/profit risk Eg. Is there a cost or profit risk to the business in providing advice to the client?

 No there is no profit or cost risk to business in providing advice to the client

3.    Credit risk Eg. Has this client ever been declared bankrupt?

No, the client never been declared bankrupt

4.    Insurance risk Eg. Has this client previously made a claim on insurance that was declined?

No, the client does not made a claim on the insurance that was declined

5.    Litigation risk Eg. Is the client involved in any legal litigations?

No the client is not involved in any legal litigation 

6.    Opportunity risk Eg. Is there a risk that a better opportunity will present after a decision has been made?

Yes, there can be risk if there is a better opportunity for the client. It may affect their financial position

7.    Product satisfaction (value) risk Eg. Is there a risk that products recommended will contradict instructions given by the client?

Yes, there can be risk, if the product contradict instruction given by the client

8.    Regulatory risk Eg. Will the client act all times within legal boundaries?

Yes, the client will act all times within the legal boundaries

9.    Relationship risk Eg. Has this client entered into a relationship with another financial adviser?

No, the client never  client entered into a relationship with another financial adviser

10.                  Reputation risk Eg. Does this person have a media profile and involved in a major litigation case?

No the client have no  media profile and involved in a major litigation case

Description

Mark

(a)  How would you encourage your clients to express and clarify their expectations from the financial planning process?  

The clients expression provides the information about the responses which determines the positivity or negativity as explained by the advisers regarding financial planning process.  

/ 2

Generic Needs

Requirements
(e.g. Income and investment needs)

Preferences
(e.g. retain an emergency fund)

Team

Rank
(1 to 5)

1.  Assets

 Investment needs

The asset value shows strong financial position of the client

  Adviser 

1

2. Tax Minimization

Income needs

The tax has to the paid as per the income tax law

  Adviser 

2

3. Income

Income needs

The income of the clients has increased which is good

  Adviser 

3

4. Superannuation

Investment needs

The clients are getting returns from the funds

  Adviser 

`1

5. Expenses

Investment needs

The clients are having high expenses that need to be manage

  Internal

2

6. Debt Reduction

Income needs

The liabilities of the client are not so high

  Internal

4

7. Investment Planning

Investment needs

The investment planning of the clients are appropriate   

  Adviser 

3

8. Wealth protection

Investment needs

The deposits in banks and saving plans will help to increase funds

  Adviser 

2

9. Estate Planning

Investment needs

    Specialist

2

10.  Business Planning

Income needs

    Specialist

2

1.      If my investment value fluctuated more than 20%, I would find it hard to sleep at night.

 

Score

Client 1 Score

Client 2 Score

Joint Score

1

Strongly Agree

2

Agree

31

33

64

3

Neutral

4

Disagree

5

Strongly Disagree

2.      I am willing to accept more risk to possibly achieve higher returns and reach my goals.

 

Score

Client 1 Score

Client 2 Score

Joint Score

1

Strongly Disagree

2

Disagree

40

31

71

3

Neutral

4

Agree

5

Strongly Agree


3.      If you had an investment portfolio, how often would you re-arrange it?

 

Score

Client 1 Score

Client 2 Score

Joint Score

1

Any loss of value

24

21

45

2

Less than 3 years

3

3 – 5 years

4

Whenever my investments go up significantly

5

5 years or more

 

4.      I am willing to experience the ups and downs of the market for the potential of greater returns over the long term.

Score

Client 1 Score

Client 2 Score

Joint Score

1

Strongly Disagree

2

Disagree

3

Neutral

16

16

32

4

Agree

5

Strongly Agree

 

5.      Which of the following best describes your attitude to financial risk?

 

Score

Client 1 Score

Client 2 Score

Joint Score

1

A very low risk taker

2

A low risk taker

3

An average risk taker

24

24

48

4

A high risk taker

5

A very high risk taker

6.      Which statement best describes your understanding of financial markets and investments?

Score

Client 1 Score

Client 2 Score

Joint Score

1

 

 

2

I am not very familiar

 

3

I have had enough experience to understand the importance of diversification

24

24

48

4

I understand that markets may fluctuate and that different market sectors offer different income growth and taxation characteristics

 

5

I am experienced with all investment sectors and understand the various factors that influence performance.

 

 

 

 

 

 

7.      My main concern is security. Keeping my money safe is more important than earning high returns.

Score

Client 1 Score

Client 2 Score

Joint Score

1

Strongly Agree

2

Agree

24

24

48

3

Neutral

4

Disagree

5

Strongly Disagree

 

 

 

 

 

8.      How do you normally feel after you have made a significant financial decision?

 

Score

Client 1 Score

Client 2 Score

Joint Score

1

Very Concerned

2

Concerned

24

24

48

3

A little uneasy

4

Content that I’ve made the right decision

5

Optimistic that the decision I’ve made will provide substantial benefits

 

9.      Investments that have experienced high volatility have generally compensated investors with higher returns over the long term.  If you could invest in a portfolio between 10 and 20 years, which of the following would most suit you?

Score

Client 1 Score

Client 2 Score

Joint Score

1

A portfolio that may have a negative return every 15 years but a range between 0.2% and 9.1% pa.

24

24

48

2

A portfolio that may have a negative return every 8 years but a range between –1.1% and 12.01% pa.

0

0

0

3

A portfolio that may have a negative return every 5 years but a range between –2.5% and 15.3% pa.

36

36

72

4

A portfolio that may have a negative return every 5 years but a range between –2.9% and 16.3% pa.

25

25

50

5

A portfolio that may have a negative return every 4 years but a range between -4.2% and 18.9% pa.

25

25

50

Total Score

Client 1 Score

Client 2 Score

Joint Score

Mark

Add up totals for each question and write the total for each client or for joint as appropriate.

50

50

100

/ 2

According to the information below, what is your client’s risk profile?

60

60

120

/ 2

Dennis and Donna Barker is a middle aged couple and the financial planning is done for them. It is a planning for the next seven year on behalf of the couple as well as this planning help them in retirement settling. Donna is 53 years old whereas Dennis is 52 years old and they are married for 29 years. Donna earns $90,000 P.A. plus an additional superannuation Guarantee Contribution of 9.5%. Moreover, if she sacrifices her salary then she may build more handsome fund at the time of retirement. Besides this, she receives $17,000 for next 7 years. Her superannuation balance is $220,000as well as earns an average of 7%. She has $100,000 in term life.

Dennis earns $45,000 P.A. plus an additional superannuation Guarantee Contribution of 9.5%. His superannuation saving is $51,000 and he get 4%.

Their home   valued $750,000 and they have mortgage loan $130,000 and for the interest they have to pay 7% interest.

Their expense around $40,000/Year and they spent $10,000 additionally on holidays.

Standard of living assets

Asset

Owner

Value $

Liabilities $

Net asset value $

Home

Joint

750,000

130,000

620,000

Cars

Joint

40,000

Nil

40,000

Contents

Joint

50,000

Nil

50,000

Total

Joint

840,000

710,000    

Investment asset

Asset

Owner

Value $

Return %

Liabilities $

Net asset value $

Bank Account

Joint

9,000

4

Nil

9,000

Term Deposit

Joint

15,000

4

Nil

15,000

Cash management fund

Joint

12,000

5

Nil

12,000

Total

Joint

36,000

Nil

36,000

We hereby declare that all the information provided in this form is true to the best of our knowledge.

We are not aware of any other information other than the information regarding the form provided. We have not disclosed this information to any other else other than the recommended mentor of Financial Planning Representative.

We have given permission for the usage of this information for the preparation of our financial plan and henceforth we understand the recommendations regarding the investment based on the solely information with providing investment recommendations.

We acknowledge that:-

We have received, read and understood the financial services guide before the advisory services are provided.

We permit this document to be passed in confidence to any member of Member Financial Planning Pty Ltd.

We have provided Limited Financial Information. We have limited objectives which can be advised on to:

Appropriate returns must be received during the time period

Tax must be reduced for the assets and the liabilities that are produced.

We have provided our tax file numbers which must be only held by the Mentor Financial Planning which must be forwarded to the financial institution.

I declare that:

The information provided by the client are appropriate and correct for the record obtained from the clients

The clients are provided with a copy of the Financial Services Guides before the advisory information related to services are provided.

The clients information must be kept confidential and managed in accordance to the requirements under:

Consumer Affair Act

Consumer Credit Code

Industry Codes of Practices

Privacy Act

Setting the Standards of Companies Policies and Procedures

Alex Mentor

Adviser’s Signature

Date

Date: DD / MM / YY

To Whom It May Concern

Please accept this letter as our authority to provide all the necessary information for the documentation of the requisites for the Mentor Financial Planning or their representative __________________.

Please accept a photocopy of this letter, as original will remain in file at the office of Mentor Financial Planning.

Correspondence should be sent to

Level 2, 349 Collins Street

Melbourne  VIC  3000

This authority should remain in force until withdrawn in writing by me/us.

Thank-you.

Client 1 Name

Donna

Signature

Client 2 Name

Dennis

Signature

Client 1 D.O.B.

___/___/___

Client 2 D.O.B.

___/___/___

Address

 

Client Name

Dennis Barker & Donna Barker

Date of initial interview

02.09.16

Date Advice presented

16.09.16

Date of first transaction

19.09.16

 

Actions/Documentation Obtained

Completed

Date

Data Collection Forms

Salary information,

Sala

Yes

02.09.16

Superannuation fund information

Yes

02.09.16

Other investment by the clients

Yes

02.09.16

Expenses of the clients

Yes

02.09.16

Supporting Documentation

Salary slip

Yes

02.09.16

Certificate of superannuation fund

Yes

02.09.16

Other investment document

Yes

02.09.16

Bank statement

Yes

02.09.16

Certificate of insurances

Yes

02.09.16

Certificate from capital management fund

Yes

02.09.16

Certificate of the mortgage loan

Yes

02.09.16

References

Elliott, B. and Elliott, J. (2008). Financial accounting and reporting. Harlow: Financial Times Prentice Hall.

Hillier, D. (2010). Corporate finance. London: McGraw-Hill Higher Education.

Holton, R. (2012). Global finance. Abingdon, Oxon: Routledge.

Spiceland, J., Sepe, J. and Nelson, M. (2011). Intermediate accounting. New York: McGraw-Hill Irwin.

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