How We Work

We at SA Financial Planners believe in partnering with our clients to build enduring relationships on the journey to financial wellness. We aim to understand your long-term financial goals and then implement an appropriate strategy with ongoing reviews to ensure that these goals are achieved. Working together, we adjust your financial plan as your lifestyle needs and circumstances change.

Having a detailed financial plan provides you with a strategy to make practical financial decisions in all aspects of your life. Following and sticking to a plan allows you the best possible chance of success in achieving your life goals and long-term financial security.

We ascribe to the International “6-step” Financial Planning Process

​Each of these steps are important in developing a plan that is tailored to your own unique circumstances:

Step 1 – Establishing and defining a professional relationship 

The initial contact with us is without charge or obligation and is dedicated to establishing a clear understanding of your immediate needs and/or concerns as well as getting a firm grasp of what services SA Financial Planners provides.

Step 2 – Gathering data, including goals

Having clear goals and providing accurate financial information is key in ensuring a meaningful financial plan. You and the financial planner should mutually define your personal and financial goals, understand your time-frame for results and discuss how you feel about risk.

Step 3 – Analysing and evaluating your financial status

With clear goals set and your financial information at hand, the financial planner is able to “draw a line in the sand” and establish where you are in relation to your goals. Depending on what services you have asked for, this could include analysing your assets, liabilities and cash flow, current insurance coverage, investments or tax strategies.

Step 4 – Developing and presenting financial planning recommendations and/or alternatives

Once your financial information has been analysed, the financial planner will guide you through the various financial decisions available and make recommendations accordingly. The outcome of the plan is to ensure that you have a plan to take you forward with confidence and provide certainty regarding your financial future.

Step 5 – Implementing the financial planning recommendations

Both you and the financial planner should agree on how the recommendations will be carried out. The financial planner may carry out the recommendations or serve as your “coach,” co-ordinating the whole process with you and other professionals such as attorneys or stockbrokers.

Step 6 – Monitoring the financial planning recommendations

You and the financial planner should agree on who will monitor your progress towards your goals. It is important that your plan and any financial solutions that were implemented are reviewed on at least an annual basis. This is done to ensure that your plan remains relevant and meaningful considering any changes in personal or financial circumstances.

If you have any questions please complete the contact form with your details and we will call you.