At Harvest, we are committed to working with clients and their families to assist them to develop a financial plan that will assist them achieve their lifestyle and financial goals.
Harvest’s personal financial planning goal is to provide you with advice that lasts! This is achieved by meeting with you to discus your lifestyle and financial goals and tailoring financial strategies to enable you to work towards achieving these goals. Along the way, and as changes occur, we will make appropriate revisions to your plan to respond to changes in circumstances.
Why choose Harvest?
- We provide you with a personal service based on integrity and trust
- We are not part of any bank, insurance company or product provider which means our advice is not skewed to meet the needs of anyone but our client
- Our advice is focused on meeting your lifestyle and financial goals
- We have the experience and professional qualifications to provide a tailored financial plan for you. A plan that you can have confidence in
- We aim to provide you with advice that lasts. Our advice is robust, accurate and holistic – with ongoing reviews to ensure you stay on track
- Our fees are transparent because we agree these upfront and in advance with our clients and the way we are licensed means we are not conflicted by other business considerations
- We recognise our clients’ views and concerns and ensure they are given due consideration in our advice
- Your initial meeting with us is complimentary and you are under no obligation to proceed
Harvest Advice Areas
We provide financial planning advice to assist you with:
- Wealth Creation
- Investments Strategies
- Share ownership
- Superannuation Solutions (including Self Managed Superannuation Funds)
- Retirement Planning Strategies
- Gearing and Debt Management
- Property loans & lending advice
- Wealth Protection and Insurance
- Wealth Transfer and Estate Planning
- Business Financial Planning
- Maximisation of Centrelink benefits
Six steps for financial planning:
Step 1 – Prepare your financial details
At your initial meeting with Harvest, we will discuss your current financial situation. At this stage you should set out your income, assets, debts and other commitments. This is an opportunity for you to do your own financial ‘stocktake’. Harvest will broadly identify areas of financial strength and opportunity for improvement.
Step 2 – Identify your goals
At this stage you get a strong sense of where you are and where you want to be. Here, we then develop a financial strategy tailored to your individual needs.
Step 3 – Develop a strategy
At this stage you can clearly see the gaps between where you are and where you want to be. We’ll clarify your financial strengths and weaknesses and develop a financial strategy tailored to your individual needs.
Step 4 – Consider recommendations
Harvest will work on detailed recommendations with clear targets to help you achieve your long-term goals. You will probably meet Harvest again to discuss these recommendations and consider all the supporting documentation.
Step 5 – Implement the financial plan
When you are completely satisfied with Harvest’s recommendations, we are ready to implement your plan.
Step 6 – Review your needs
Of course, things change over time – financial markets, government legislation, as well your goals. Our process is to ensure that your financial plan remains up to date even when things change. We’ll also give you a clear picture as to changes on the horizon and discuss how these may impact your plan and what actions are needed to ensure your plan maintains its course. Regular reviews are important in ensuring you acheive the end results you are looking for.
Successful people in life are the ones who get the best information and advice.
Please contact us to see what we can do for you