Your Verve Group financial planner can complete a comprehensive review of your financial situation and provide you with a plan to help you achieve your short, medium and long term goals. Your plan can include new opportunities and provide you with strategies to improve, grow and protect your wealth.

Many people think financial planning is just for the wealthy. However, financial planning can help people at all ages and at all levels of financial health. The sooner you start planning the more time you’ll have to achieve your financial goals, and the better off you'll be in the future.

Your financial planner can help you do what's most important to you. This could include, but isn't limited to: Set financial goals that balance your needs for today and tomorrow Create a plan to help support your family financially Start investing or optimise your existing portfolio Understand the best way to use a windfall, an inheritance, a pay rise or a bonus payment Maximise your super and rollovers Become debt free Plan for retirement

Step 1: Identify and prioritise your goals Our initial meeting is all about getting to know you, giving us a clear picture of your current position and financial goals. This will involve a detailed discussion about why you are seeking advice, including: gathering information on your current financial situation and budget; what you want to achieve – identifying your goals; your approach to investing – understanding your risk profile; and identifying other issues which may be relevant in the context of providing you with financial services. The information obtained will be used to determine if we are able to assist you to achieve your goals and objectives.

Step 2: Strategy Meeting At our second meeting, we will discuss with you some general strategy options that may be relevant for your personal situation. We will also at this stage gather any other relevant information that is necessary for us to formulate our final recommendations in a financial plan. The information obtained will be used if you decide to proceed to the next stage where we would prepare a financial plan specific to your circumstances. If you choose to proceed, a plan preparation fee will be discussed and agreed upon. This fee covers the time and resources required to prepare your financial plan and will vary depending on your requirements and the complexity of your plan. Step 3: Presenting our advice At our third meeting, your financial plan (known as a Statement of Advice), will be presented to you. It will include strategies and products designed to suit your individual needs and your financial goals. This meeting will involve confirming why you are seeking advice and explaining our advice to you. It is important you understand the recommended strategies and associated risks so you can make an informed decision about achieving your financial goals. We also provide you with educational information, which explains strategy and investment concepts contained in the Statement of Advice (SoA). You will also be provided with Product Disclosure Statements (PDS), or other disclosure documents relating to any recommended products in your financial plan. These important documents will detail and explain the features, benefits, risks and product specific costs, fees and charges. Step 4: Implementing your financial plan When you are happy with our advice and have provided your written authority to proceed, we will start the process of implementing the recommendations. This can include, but may not be limited to: setting up new, or transferring existing investments; assisting you in establishing new loan facilities; consolidating or rolling over your superannuation accounts; establishing regular investment or superannuation contributions; establishing insurance policies. Step 5: Post-implementation We will be in contact with you 2-3 months after the implementation of our advice to ensure that everything is running smoothly and answer any questions you may have in relation to the process thus far. Step 6: Reviewing your financial plan Ongoing reviews are essential to achieve your lifestyle and financial goals; Should you choose to receive ongoing advice and service, the frequency of contact you would like to maintain with us and your individual circumstances will determine the fees charged for the ongoing relationship.

As a Member of the Count network we offer an unrivalled combination of skills, ethics and professionalism, to help keep you on the right financial track. 1. PEACE OF MIND For more than 30 years, Count has provided written financial plans to help Australians reach their goals. 2. WE’RE ON YOUR SIDE We recommend investments based on their suitability to your specific needs – not the financial concerns of a parent company. 3. WE’RE HIGHLY TALENTED PROFESSIONALS To join the Count network we had to meet strict criteria and undergo comprehensive training. In fact, to remain part of Count we must continue our training on an ongoing basis. 4. PAY LESS TAX Your Count Adviser can recommend strategies for tax minimisation as well as wealth creation. 5. SAVE YOU TIME Our comprehensive advice saves you the time and hassle of visiting a number of different finance professionals. We can advise you on superannuation, investments, personal insurance, retirement planning, Centrelink strategies, loans, risk insurance and asset finance. 6. BIG ENOUGH TO TRUST As a Count Adviser, we are backed by Count Financial. 7. SMALL ENOUGH TO CARE Even though we are part of a larger network, Verve Group is independently-owned and operate and advise clients in our local community. 8. WE USE OUR SIZE TO NEGOTIATE THE BEST PRODUCTS FOR YOU Our comprehensive advice saves you time and the hassle of visiting a number of different finance professionals.