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The amount of time it takes for us to prepare and deliver a fully compliant Statement of Advice (SoA) will vary on a number of factors such as the scope of work being undertaken, research into products we are recommending and how engaged the client is in ensuring they take control of their financial future. Once we have all the necessary information, we are generally able to deliver a fully compliant SoA within 5 business days.

Yes! Where advice is being sought on superannuation, the whole fee can be paid for from your superannuation fund. Where a comprehensive SoA covers other aspects of financial planning that do not relate to Superannuation advice, only the fee relating to the superannuation component can be paid for from funds inside Super.

Absolutely not! We do not ask any client to transfer their investments into our account. You retain ownership of your investments at all times and any products we recommend will always be held by you in your legal name. You will also receive your own logins to any products we recommend so that you can login at any time to view the performance of your portfolio.

While preparing and implementing our advice are key components of your financial plan, we believe that managing your investments to ensure they are structured and aligned to your goals and risk profile is by far the most important component. Some of the services we include in our Ongoing Services Agreements are:

• Rebalancing your investment portfolio annually
• Ensuring your investment portfolio continues to perform in line with your stated goals
• Ensuring your superannuation contributions are being invested in line with your risk profile and our recommended portfolio.
• Annual financial position review
• Providing performance reporting, etc.

At Plutuss, we believe that everyone must have access to quality and affordable financial advice. We offer the first meeting with all new clients at no charge! We value long-term relationships with our clients and genuinely want to see our clients achieve their financial goals and objectives. The initial meeting is for you to get to know us and for us to gain a better understanding of your needs, goals and motivations for seeking financial advice.

We get asked this question a lot by our prospective clients. The answer to this question depends on a number of factors such as:

• Your risk profile and time to retirement
• Your superannuation balance.
• How much money you need in retirement.
• Your overall investment portfolio.
• Your net worth
• Your investment horizon, etc.

Think of investing in a diversified portfolio of different asset classes as eating a balanced meal.

If you only eat fruits for lunch, your body gets some vitamins and a whole lot of sugar! No protein, no carbs and no fat! However, if you have a chicken salad with a piece of fruit, you are more likely to get all of the essential nutrients you need to nourish your body. In the same way, investing all your available resources into Property or shares creates concentration risk and, in a downturn, may result in you losing value in your portfolio. Any strategy we recommend will consider the above-mentioned factors.