Our Services

At GroupGH Financial Planning, we provide you with structure and direction for your financial future. Our advice is specifically tailored to your personal circumstances to ensure we set realistic goals and objectives that are both measureable and achievable. As a result you will be empowered with strong motivation in the short term and greater focus over the long term.

Professional Advice Process

GH Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.

We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build a long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

At GroupGH we can provide the time and expertise that will help you implement the best pre-retirement plan possible. Contact us today to discuss how we can work together: 08 8447 2088 or mail@groupgh.com.au.

Professional Advice Process

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

Professional Advice Process

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

Professional Advice Process

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

Professional Advice Process

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

Professional Advice Process

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

Professional Advice Process

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

Professional Advice Process

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

Professional Advice Process

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

Professional Advice Process

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

Professional Advice Process

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

Professional Advice Process

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

Professional Advice Process

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

Professional Advice Process

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

Professional Advice Process

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

Professional Advice Process

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to determine whether you are happy for us to proceed with the preparation of your individual financial plan.

Collection of Information
We will collect information regarding your financial and lifestyle situation, and record your concerns, goals and objectives for the purpose of providing you with specific recommendations within a full financial plan. This will be achieved through our discussions with you and the completion of a client questionnaire.

Plan Construction
We are dedicated to provide you with the best possible advice and strategies that are relevant to your own personal situation. We encourage working in consultation during this process to ensure the accuracy of the end product.

Your financial plan will cover your current situation, strategies, recommendations and actions required by us as a team to proceed with the implementation of our recommendations.

Presentation of Advice
Following the preparation of your financial plan, we will present and explain how our strategy and recommendations will address your concerns and satisfy your needs and objectives.

We will ensure that you fully understand our recommendations through easy to understand advice and examples.
We will allow you the courtesy to take some time to give further consideration to the strategy and recommendations before proceeding.

Implementation
Once you have decided to proceed with our recommendations we will ensure that all documentation is completed correctly. We will also monitor the processing of your application to ensure that our recommendations are implemented as agreed.

On-going Relationship
Our aim is to build long-standing relationship with our clients. We achieve this by providing an ongoing review of your situation, needs, goals & objectives. This will ensure that your financial plan remains relevant to your ever-changing circumstances and that you achieve your personal objectives.

Professional Advice Process

GH Investment & Financial Advisers will provide you with complete professional advice. The advice process that you will experience is as follows:

Getting to Know Each Other
An initial meeting to let you know who we are and what we do. To identify the financial planning services you require and to establish if we can assist you.

We will provide you with a Financial Services Guide, which gives details of our qualifications, experience and the areas on which we are authorised to provide advice. All fees and charges relating to the preparation and implementation of our recommendations will be outlined.

At the end of this meeting we look to dete

Ongoing Advice Review

Strategic and Investment Review

The first element of our ongoing service agreement is to ensure that our recommendations remain appropriate and account for any change in your circumstances and objectives.

It may include some or all of the following:

A review of your personal and financial position.

This includes a review of your confidential Client Questionnaire taking into consideration any changes in your circumstances, your objectives, income and expenses, assets and liabilities, investor profile, insurances, estate planning etc.

A review of your implemented recommendations.

This includes a review of the recommendations we made in our initial advice and includes your investment portfolio. Consideration as whether our initial advice is still in line with your circumstances, needs and objectives at the time of the review.

This review may address:

  • • Impact of economic and investment cycles,
  • • Fund manager and investment performances,
  • • Taxation, superannuation and insurance related regulations, and
  • Commonwealth government payment entitlements.

A written review report (Statement of Advice)

Documents the outcomes of the above reviews and provides any recommendations that may be necessary. A meeting to discuss the written review report & implement any changes required. Availability to answer questions as they arise.

Ongoing Client Education

In addition to the Strategic and Investment Review, our ongoing service offers a range of Education and Administration related services designed to reflect your need for ongoing guidance and support as well as comply with both our ethical and legal obligations.

It may include some or all of the following:

  • Invitations to client seminars with guest presenters.
  • Participation in education workshops for groups of clients seeking education on specific, financial planning related matters.
  • Newsletters / Information Bulletins sent by mail and / or email.

At GroupGH we can provide the time and expertise that will help you implement the best pre-retirement plan possible. Contact us today to discuss how we can work together: 08 8447 2088 or mail@groupgh.com.au.

Retirement Planning


It is evident, that those who plan for retirement, are more likely to enjoy a retirement lifestyle based on their own terms and not those of someone else. Results also show that obtaining professional help during the pre-retirement years further improves the probability of attaining your retirement objectives.

The earlier this is put in place, the better.

During one’s working life most time is spent at work, raising children and paying off a mortgage. There is always an employment income to make ends meet.

Retirement planning is about the lifestyle you will have after you stop working and it focuses on issues such as how much superannuation is enough, taking a super pension, claiming the Age Pension, making superannuation contributions while receiving a pension from a super fund, estate planning and looking after your family.

Also, with increasing life expectancy, rising costs and, often, debt still to be cleared, retirement planning becomes even more important.

At GroupGH we can provide the time and expertise that will help you implement the best pre-retirement plan possible. Contact us today to discuss how we can work together: 08 8447 2088 or mail@groupgh.com.au.

Life Insurance


Life insurance is not merely a cost, though it often feels like it. It is peace-of-mind that if a nasty surprise happens in your life, the consequences are covered for you and your family. Insurance provides you with the ability to manage the financial and emotional impact of some of the more drastic surprises, whether personally or in your small business.

Insurance cannot replace a loved one but it can help reduce the financial burden by providing the capital to ensure your family has choices.

If you answer yes to any of the following questions then you should ensure you have adequate insurance. Many Australians are underinsured and the results can be very serious for families should there be a death or serious injury.

  1. Do you have a mortgage?
  2. Do you have school fees?
  3. Do you have any personal loans?
  4. Do you have any credit card debt?
  5. Do you have dependents?
  6. Would your financial position be affected if you were to suffer from an illness or injury?
  7. Do you want to have enough capital to look after your dependents if you were unable to care for them for an extended period of time or perhaps indefinitely?

We understand that it can be difficult determining the type and level of cover you might need, let alone choosing an insurer. We can assist by helping you determine your needs and recommend an insurer that is right for you.

At GroupGH we can provide the time and expertise that will help you implement the best pre-retirement plan possible. Contact us today to discuss how we can work together: 08 8447 2088 or mail@groupgh.com.au.

Superannuation


Taking an early and active interest in your superannuation is critical to ensuring you maximise the benefits of growing this important asset. Many of you will have a superannuation scheme through your employment but increasing numbers are starting their own Self Managed Super Fund.

The income you have available for your retirement will depend on factors such as your accumulated assets and expectations about your lifestyle in retirement. Unfortunately for many, simply relying on employer contributions may not be enough and you may need to look at strategies such as additional contributions or salary sacrifice.

It is always best to start saving and planning for your retirement as early as you can. GroupGH can help you implement the right strategies to help you achieve your long term financial objectives.

At GroupGH we can provide the time and expertise that will help you implement the best pre-retirement plan possible. Contact us today to discuss how we can work together: 08 8447 2088 or mail@groupgh.com.au.

Self Managed Super Funds

Self-Managed Superannuation Funds (SMSFs) can be an ideal strategy for many individuals; families and small business owners for building tax effective wealth and protecting assets over time. SMSFs are becoming popular for those who are ready to take control of their own super investments as they give you ultimate control and flexibility to manage your retirement benefits.

It must be noted though, that you will have increased responsibilities as a trustee of the fund. As a SMSF Trustee you need to keep up to date with all required regulations and keep up with the fast paced financial markets.

GroupGH can work with you to understand your personal financial situation and decide whether a SMSF structure is appropriate for you. We will also make sure your assets are invested in the most effective way to maximise your retirement benefits.

It is generally agreed that there are a number of benefits of an SMSF but it is important that you also understand that an SMSF may not suit your situation, see below for some of the reasons why.

Benefits:

  • Control - the trustees make the decisions and therefore can determine where their money is invested.
  • Asset allocation – having control means the trustees play a major role in their fund’s asset allocation decisions plus there are issues related to borrowing that the trustees must be aware of.
  • Tax strategies – by careful consideration of tax strategies and other planning options you are in the best position to minimise the taxation that applies on your investments.
  • Transparency – your SMSF provides you with good transparency concerning investment decisions and gives complete visibility over taxation treatment.
  • Cost – the costs of running and administering the fund are not based on a percentage of the value of the fund but more on the time needed to prepare reports and address relevant compliance matters.

Disadvantages:

Running and managing a SMSF may not be suitable to everyone. For example, many of the advantages are also a disadvantage. Costs may be relatively high, there can be too much flexibility for prudent investing, remaining on top of trustee responsibilities can be complex and time consuming, and poor personal knowledge of the investment landscape can have serious consequences.

Should you wish to consider establishing a SMSF then we can help with:

  • Establishing your fund
  • Annual Compliance Services
  • Portfolio Administration Services
  • Pension advice

At GroupGH we can provide the time and expertise that will help you implement the best pre-retirement plan possible. Contact us today to discuss how we can work together: 08 8447 2088 or mail@groupgh.com.au.

Investment Strategies


Investing your hard earned savings can be complex to manage and benefit from. There are many issues such as levels of risk, market timing, asset classes, and your own goals, objectives and preferences that need to be considered. Even getting started is difficult but this is where we have the time and expertise to help you.

Even after initial investments are made there are important issues that need to be addressed such as monitoring, buy/sell decisions, tax considerations, and when to take a loss or profit. In addition, there is a huge amount of investment information and spruiking that can easily lead you in the wrong direction with unwanted consequences.

Market volatility simply makes the situation harder and can often lead investors into emotive and rushed decisions.

Having a proper investment plan is very important and the sooner you implement it the sooner you can grow your wealth. We can help you develop a financial plan and provide advice that will help overcome the issues raised above.

At GroupGH we can provide the time and expertise that will help you implement the best pre-retirement plan possible. Contact us today to discuss how we can work together: 08 8447 2088 or mail@groupgh.com.au.

Estate Planning


Your estate is made up of everything you own. This includes your home, property, furniture, car, personal possessions, business, investments, superannuation and bank accounts. Firstly, having a legally valid will is extremely important, as without one it is called 'dying intestate'. This can be costly and create added stress for loved ones at an already difficult time.

You may think that having a current will outlines what will happen to your estate should you die or become unable to manage your affairs. Unfortunately, for those with more complex financial structures this may not be the case.

To make sure your affairs are in order an Estate Plan will:

  • provide for and protect loved ones with specific needs, including children
  • ensure your children’s inheritance receives increased protection if a relationship breaks down
  • ensure you receive professional advice on how to structure your assets to gain available tax advantages
  • ensure your wishes are recorded in legally binding documents including your will, free from ambiguity
  • provide you with peace of mind knowing, should you die or be unable to legally manage your affairs, that they will be managed by someone you trust
  • ensure non-estate assets such as jointly held assets, family trusts, super funds and private companies are also documented as it may not be possible to deal with them in your will.

At GroupGH we can provide the time and expertise that will help you implement the best pre-retirement plan possible. Contact us today to discuss how we can work together: 08 8447 2088 or mail@groupgh.com.au.