Financial Planning

Congratulations – very few people make the decision to seek professional financial planning advice even though most financial planners offer clients an initial appointment for free of charge to see what benefits they can provide. The fact that you are currently looking at a financial planning website means you are part of the way to hopefully improving your current financial situation.

Financial planning is about Strategy and not about how much money you have to invest. It is about making use of what you have, to provide you with an outcome that meets your goals.

So what’s different about us?

The advice we provide is under the Financial Planning Services Australia Pty Ltd Licence. Every Financial Planner operates under a Financial Planning Licence, for example if you go to a bank, the advice you receive and the product offered will be the banks’ own product. Likewise if you go to an insurance company, most likely you will be provided with their own product. Put simply, we use a 3rd party licence - Financial Planning Services Australia Pty Ltd. We do this as we don’t want to be tied to any one financial institution or bank. The benefit to you is choice.

The list of products and investments we can provide advice on ranges from Direct Shares, Structured Products and Self Managed Superannuation Funds right through to basic Life Insurance or Investment Bonds.

We aim to provide comprehensive advice to clients covering not only the upside but the potential downside through Estate Planning.

The advice is provided by Jonathan Rooney LLB BCom CFP. The advice is CFP quality advice and provided by a stake holder in the business.

Structured Financial Planning Pty Ltd works with a number of Accountants, Mortgage Brokers and Real Estate Agents providing advice to their clients. We have a good understanding of the different tax structures, loan structures and direct investment property that many financial planners do not have exposure to.

We have a flexible fee structure although our preference is to work on a flat fee basis with clients and rebate any upfront commissions to the client. We are happy to provide clients with an estimated cost to achieve what they want before any fees become payable, and obviously show them the benefit that they can achieve for that fee.

The majority of our clients are still working. We deal predominantly with individuals and families who do not have large lump sums of money to invest but are still looking to make the most of what ever their current situation may be.

By the way we also offer the initial appointment for free.