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Your planning blueprint
When you engage the services of a professional financial intermediary, you can expect to go through a specific process so that the intermediary can identify and meet your financial goals.
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Steps in the advice process
Be prepared for the following process when you engage the services of a professional financial intermediary.
- Processes
An initial meeting
This is where you will talk about your financial objectives and requirements to decide the way forward.
Identifying your goals
The financial intermediary will ask questions and discuss your planning needs with you.
Assessing your financial situation
A thorough analysis of your existing financial situation is important to design a meaningful plan for you.
Preparing a financial plan
Your financial intermediary will provide you with written recommendations or a proposal about how to invest or insure yourself, based on your needs.
Implementation
Once you’re happy with the financial intermediary's recommendations, he/she will implement your financial plan with the investment, savings or insurance-based solutions you agreed on.
Review
Your financial needs will change as your life changes. You may get married, have children, lose a spouse, or lose your job. You and your financial intermediary should have an agreement to regularly review your financial plan.
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What you can expect a financial intermediary to ask you
A good financial intermediary will consider your financial well-being in all aspects of your life. This way they will ensure that your needs are not addressed in isolation. Make sure your financial intermediary discusses the following with you.
- Your savings and investment goals
Your financial intermediary needs to understand your hopes, dreams and fears so that your financial plan can reflect your perception of success.
- Your income and expenditure
A financial intermediary has to understand where and how you currently spend your money, and what you can afford to save or invest.
- Your risk appetite and its impact on your savings
We all have a "money" personality. Some of us are more conservative than others and don’t want to take risks with our money. Your financial intermediary should guide you through the pros and cons of less or more risk, while taking into account your personality and your ability to absorb risk.
- Your understanding of your financial plan costs
You need to be comfortable with the costs of what you will be buying, including the cost of the advice itself.
- Your expectations about future contact
You and your financial intermediary share the responsibility for future contact. Ensure that you can meet your intermediary on a basis that suits you. Make sure that you schedule a conversation at least once a year and definitely whenever a key event in your life occurs, such as getting married or having a baby, as this may impact your financial planning.