Our Services - Financial Planning
Financial Planning 
Financial Planning is the coordinated process of identifying, planning for and meeting your financial needs and goals into the future.
SeaChange Financial provides financial planning services for individuals, families and small businesses. Our objective is to encourage our clients to become 'clients for life'. Our process is designed to establish a 'baseline strategy' and periodically review and adjust this as your needs and/or the environment change.
Your baseline strategy starts to take form at our initial fact-finding meeting. While we will ask many questions about your income and expenses, assets and liabilities, etc, we will also discuss your goals and needs in a number of key areas. We spend time reviewing the results of this fact-finding before developing and documenting our Statement of Advice (or SOA). This contains our recommendations and our supporting analysis.
Jointly, we will review the SOA, agree a set of actions and a timeline for their implementation. This becomes the real financial plan for implementation and periodic review. SeaChange Financial commits to review our clients' plans at least annually. If there is a need for change between reviews, we'll discuss with you possible changes to the baseline financial plan. Often, no change is necessary, but if there is, again we will document our advice and agree to the revised action plan before proceeding.
For a more comprehensive understanding of our financial planning services, click on Financial Services Guide in the footer of any page.
Key areas where we work with you follow.
Income, Asset Protection & Insurance
Why risk everything you've worked so hard for? SeaChange Financial will help you review the critical areas of protection, so that should the unforeseen happen, your family is protected to the level you desire:
- Income and mortgage protection
- Life and trauma cover
- Total and permanent disability cover
- Estate and Inheritance planning.
If you're in business, we'll also look at business protection,exit strategies and succession planning.
Superannuation & Managed Investments
Most people don't realise how much is needed to ensure their lifestyle can continue after retirement. We'll show you what is needed and work with you to ensure you're covered to the right level for your circumstances.
Securities and Property
SeaChange Financial works with you to understand your risk profile and to ensure your investment portfolio is in tune with your needs.
Perhaps last, but not least, your own home is a great retirement investment, but should you also have a number of investment properties earning you income?
We'll answer your questions and help you avoid the common pitfalls.