Faq's
- What do Financial Planners do?
- What are your fees?
- What is Lifestyle Financial Planning?
- Is my money safe?
- I don't have a large amount to invest. Can you still help?
- Can you understand my company and trust structures?
- Jump to testimonials
What do Financial Planners do?
A good adviser will ask you questions so you can outline what matters most in your life. They'll seek to understand your values, your relationships and your priorities as much as they will your finances. Each wealth management plan is different, which is why we plan for the person you are, not just the money you have. An adviser will explore the options with you as your expert partner rather than simply present a fixed solution. Finally, your financial planner will work with you to implement your decisions and review them over time, as your own circumstances change.
What are your fees?
At rmgfs we always seek to provide value for money, and our fee structure is designed accordingly. There is no charge for an initial consultation. A fixed fee covers the preparation, explanation and implementation of your Wealth Management Plan. Ongoing, our Smart Money Program fees are charged on a fixed basis, agreed in advance. Full details of fees can be found in our Financial Services Guide.
What is Lifestyle Financial Planning?
Lifestyle Financial Planning is about helping you to achieve your goals, reliably, over time. rmgfs achieves this through well researched expert advice and effective implementation. In other words, Lifestyle Financial Planning means working with you to achieve what is important to you (not us)! Through this approach, we seek to empower you to understand the trade-offs and implications of various financial decisions - and then help you enact the decisions that you make.
Is my money safe?
In a word - yes. Whilst we can't protect against short term movements in investment markets, all investments placed are monitored and held through professional trustee firms whose sole responsibility is to protect your interests. Similarly our advice and conduct is monitored by Charter Financial Planning Ltd, who hold an Australian Financial Services Licence. We are also covered by extensive Professional Indemnity insurance.
I don't have a large amount to invest. Can you still help?
Absolutely. Ever wonder where all the money goes, and why you don't have much left over at the end of the day? Our services are designed for people who are looking for assistance in harnessing their financial resources, and value ongoing advice and guidance. A good starting point is to take our Smart Money Challenge, and then see where the money goes with our Smart Money Guide.
Can you understand my company and trust structures?
Yes, we are experts in understanding how these different structures interact with your life and how they can best be used to preserve, protect, and create wealth. Importantly, we will work closely with your other advisers (such as your accountant or lawyer) to ensure that you get the simplest and most appropriate structure for both now and into the future.
Testimonials
What our clients have to say...
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'It is a comfort to me to have rmg financial services and you in particular John, looking after my finances, especially in these worrying times.' Marjorie Matheson
You can read the full letter here
'We would like to thank you for giving you time and presenting at our ACSWA Branch Conference on Friday 7 September 2007. Your presentation was extremely well received and many attendees made mention of the professional approach you adopted.' Andy Jenkins
'The relationship and personal contact (we have with rmg) is vital in understanding the complex issues of superannuation. We hope and trust that you feel the same personal satisfaction of seeing your customers (and friends) achieve their goals. Rosalie & Kevin Brown.
Read a testimonial from Iona Presentation College regarding our presentation on financial literacy to their students.
'Having been a client of rmg since my retirement in 1993, my wife and I have appreciated the advice and handling of our retirement funds. Although the market has had its ups and downs the advice given has always turned out to be positive. It is appropriate for us to thank all the staff and rmg, particularly Robert Stone and John Donald who have always understood our concerns and lack of financial knowledge' Milton E.
'When I first invested my super through rmgfs, the markets plunged and have been low ever since. Through all this trauma rmg have constantly done their best for me and have been most re-assuring. Things are working out as they predicted, and I have been prevented from foolish panic-motivated actions. They have been careful to explain everything in a way I can understand' Lyn F
'Prior to retirement, Mary and I searched for a financial planner with whom we could entrust our money. We met with many financial planners from banks, private companies, and individuals and none inspired confidence in their ability. We were left wondering whether there was anyone in Perth that we could trust with our hard-earned monies! Then, just before retirement, we met with rmg financial services, who were recommended to us by our retiring tax consultant of many years. We were immediately impressed with their frankness and openness and engaged rmgfs as our financial planners and managers.' William and Mary W.
'I just wanted to acknowledge Susan's and my appreciation for the comprehensive financial plan prepared by you. It has certainly raised our awareness of impending retirement with a clear view of expectations given our current situation and the information provided. I have read it from cover to cover and value the information and the work put in to preparer the overview. Once again thanks to you both.' Phil & Susan K
'Although we are relatively small investors we have always been treated as a valued client and have the utmost confidence in all their decisions.' Anonymous comment in client survey
'I am very comfortable with my relationship. I believe my best interests are always at heart and I am convinced of their integrity. I view them as friends.' Anonymous comment in client survey
'There is excellent trust that everything has been done with our best interests in mind.' Anonymous comment in client survey
'If I am unable to speak to my adviser I always find that other people can handle my enquiries.' Anonymous comment in client survey
'I am impressed by the willingness of my adviser to keep an eye on my situation and recommend changes when an improvement is perceived.' Anonymous comment in client survey
'All of their staff support their advisers and have a high degree of professionalism and courteousness.' Anonymous comment in client survey
SmartMoney Guide
We all want to feel in control of our finances, and understanding how your money flows in and out is the first step.
The smart money guide helps you take control. It's easy to use, and won't take long to complete. You'll build an accurate picture of your cash flow and see how to make best use of your money.
Getting started
what's your life direction?
See what Paul Clitheroe has to say about your life directions here
Portfolio Management Service
Log into our Portfolio Management Service here