What to expect when you meet withGurney Financial Service

In the beginning…
After your initial contact with Gurney Financial Services, you will be asked to complete a personal questionnaire; this will assist and prepare you for your first appointment. It will also allow you to put together any questions, issues or thoughts you might have on financial planning or your financial future.

Your first appointment will be of a relaxed nature, where you will talk about your current financial set-up, and then look at where you would like to be in a year, maybe five, ten or even twenty years time. You will also discuss how you feel about investment risk and other information your adviser needs to prepare a comprehensive plan for you. You will be fully informed of the costs before you make any commitment to proceed.

Some topics that are covered in your first appointments will be:
o Budgeting: working out what is going where, and why.
o Savings: for debt payments, purchases, holiday’s education, retirement.
o Debt Management: how to get out of debt.
o Superannuation: looking at your current superannuation, and making sure it works for you, consolidation of superannuation products, investing into the correct investment allocation.
o Insurance: what is needed for you and your family, debts and lifestyle?
o Estate Planning: making sure your financial affairs are in order

If you own a small business, then we also look at the requirements for you as an employer, and in relation to superannuation and protection for your employees.

Before a strategy and plan is put together, Gurney Financial Services will provide you with some general information and quotations for you to think about, as well as their fees and charges. On your approval, we will then go on to the next stage which will be to design a personal and strategic holistic plan for you and your family and business.

Develop the strategy
Your adviser will view your financial situation from every angle to produce a complete financial plan. They will then present it to you in person and in writing. At this stage you can fine-tune your plan, making sure that you are perfectly comfortable with the potential outcomes.

Implementing your plan
When you’re happy with the plan, your adviser will set the wheels in motion and ask you to authorise any paperwork required.

Your adviser will prepare and follow up all documentation until completion, where you will be informed in writing that this finalised.

Keep it fresh
Your financial plan will need to be adjusted regularly to sustain the changes in your life, be they around your goals or your financial situation as well as changed in investment markets and legislation. Your adviser will discuss the level of ongoing service you require as well as costs.

Gurney Financial Services provide Annual Reviews, regular updates which include general information from the market place, aswell as personal touches. We believe in relationship building, and as a client of Gurney Financial Services, our mission would be that we would work with you to create a financial lifestyle that you and your family desire.

Gurney Financial Services, Looking after you and your family.

If you would like to meet with a representative of Gurney Financial Services, please contact us and we will be excited to meet with you, at your place or mine.

Kind Regards


Tarnia Gurney