Personal financial planning is not just about providing investment advice and placing investments. Rabo Financial Advisors (RFA) believes it is a more holistic process of developing comprehensive wealth creation strategies to meet your personal goals, the ultimate aim being to help you take control of your financial affairs and achieve financial security.

The Rabo Financial Advisors approach

Building, managing and protecting your wealth in today's complex financial and legislative environment requires a comprehensive plan developed by the investor with the assistance of well trained and talented advisors.

RFA provides a wide range of financial advisory services designed to meet the specific needs of families in rural and regional Australia:

• Financial planning strategies for each generation of the family
• Investment placement
• Superannuation fund establishment and administration
• Retirement planning
• Estate planning with your accountant and solicitor
• Insurance and risk management
• Taxation planning relating to your investments
• Formulation of savings plans
• Education funding strategies
• Stockbroking portfolio services
• Economic and investment information
• Industry research
• Margin lending

RFA use a three-step process to help you develop your financial plan.

An initial meeting with an RFA financial advisor - free of charge - involves discussion of your financial planning and investment needs, an explanation of the process and your options, and agreement on the next course of action.

During the planning and implementation stage, your advisor addresses the following issues in formulating your personalised financial plan:

• review of your personal information
• identification of your financial and lifestyle goals
• complete a personal risk profile
• explanation of the various risks associated with individual investments
• review of insurances and risk management recommendations
• discussion of estate planning and family business succession planning issues
• discussion of various investment strategies and their possible outcomes
• preparation of a financial plan with a range of options
• meetings to refine the final recommendations
• implementation of the strategies and placement of investments
• discussion about the structure of ongoing management services available to you

It is important that your financial plan is monitored and reviewed regularly, to ensure that it continues to meet your needs. RFA offers a range of ongoing management services:

• Personal service from your financial advisor
• Portfolio administration, management and reporting
• Investment advice
• Annual portfolio review of your goals, risk profile, strategy and investment performance
• Education seminars to increase your understanding of investment strategy
• Advice on legislative changes relating to your personal financial circumstances and recommendation of any actions necessary to take advantage of or minimise the impact of changes
• Financial year reporting containing all information necessary for your tax return
• Access to our range of advisory services

For further information locate your nearest branch or email rfa@rabobank.com.

back to top