To help us provide this high level of service, we take the time to get to know our clients.
Whether it’s for yourself or for your business, there may come a time when you need to plan for a future change or to tackle an unexpected ‘one-off’ event. Our experienced team can provide specialist help with:
Do you need financial advice?
Do you need help developing and implementing your financial goals? Cox Financial will provide you with advice on how you can identify realistic goals and help you put strategies in place to achieve them.
What qualifications should a financial planner have?
From the 1st of January 2019, new advisers must have a relevant bachelor’s degree or higher, pass an exam, have completed a professional year and meet ongoing continued professional development (CPD) requirements. Our Financial Services Guide (FSG) will inform you of what services our advisers offer, what their qualifications are, their Australian Financial Services (AFS) licence number and how we charge for our services, including any additional payments or benefits we receive.
What do you need to ask at an initial meeting?
Meeting with Cox Financial might be a one-off encounter, or it might be ongoing. We will work with you to determine and implement your financial plan. It is important in your first appointment that you provide us with accurate information. If you are not honest with us, or if you leave things out, the advice could end up being wrong for your situation. You should be clear about the scope of the advice, let our advisers know whether you are intending on receiving a broad financial plan, or if you want advice on a particular area of your finances.
So that we can get a clear picture of your financial situation, we will want to know your:
- financial goals – what you want to achieve (e.g. pay off your mortgage or save for retirement)
- assets – what you own, including your home, savings, super, car, shares and other investments
- liabilities – what you owe, including mortgages, loans and outstanding credit card balances
- income – from all sources
- regular expenses – the budget planner can help summarise these
- insurances – what assets you currently have insured and for how much
- estate plan – whether you have an up-to-date will and/or power of attorney.
How much does financial planning cost
Please refer to our Financial Services Guide (FSG) for a full break down of any fees and costs.
How do I know what sort of advice I need?
Cox Financial is able to provide professional advice if you are planning for a big life event; like starting a family, being retrenched, planning for retirement or managing an inheritance.
Financial advice can help you:
- identify short, medium and long-term goals
- develop strategies to achieve your financial goals
- better manage your money
- develop an investment plan
- choose tax-effective investments
- make the most of your superannuation
- find out if you’re eligible for any government assistance
- work out your insurance needs
- plan for your retirement
- consider your estate planning needs.