FINANCIAL WELLNESS ASSESSMENT

FINANCIAL WELLNESS ASSESSMENT

This form will help you, and us, understand how you're managing the financial essentials
Your basic details

A little about you and your goals
Your Name*

First NameLast Name
Partner's Name

First NameLast Name
Your Email Address*
example@example.com
Phone Number*
Format: 0400 000 000.
Your occupation*
How did you hear about us?*
What experience have you had working with financial advisers in the past?
If you've never worked with a financial adviser, just type "NA".
Your individual annual income (before tax), excluding super*

$0 - $45k$45k - $70k$70k - $90k$90k - $135k$135k - $189k$190k - $250k$250k+I'll email you pay slips or business financials so you can figure it out
Do you want to upload any Payslips or Financials?

It's ok if you don't want to upload anything at this stage.
Cancelof
What % of your expenses are on your needs?*
This relates to food, rent / mortgage, bills, transport, etc.
What % of your expenses are on your wants*
This relates to take-out, subscriptions, going out, buying 'stuff', holidays. etc.
How much ($) are you currently saving / investing each month?*
Please provide a dollar ($) figure here, not a percentage
How much ($) do you want to be saving / investing each month?*
Please provide a dollar ($) figure here, not a percentage
What best describes your outlook on how to prioritise your money?*

Lifestyle now, retire laterLifestyle later, retire earlyA mix of lifestyle now, retire early. I am careful with putting money aside for the future, but set aside money to enjoy things now as well
Which of these are important to you / which of these are things you're planning for? (please tick all that apply)*

Managing my money betterBuying my first homePaying off my homeClearing my personal debts (credit card, personal loan, car loan, etc.)Investing (shares, property, etc.)Saving for a future expenseGrowing the family / getting marriedContributing to / growing my superSalary sacrificing / Salary packagingStarting or growing a businessHaving enough passive income, or assets to sell, to choose how I live my lifeMinimising financial risk if I can't work due to illness, injury or deathEnsuring my loved ones will be looked after if something happens to meOther
An overview of your current situation - please tick all that apply

A little about how you're going at the moment.
Your savings & investments*

You could get by with no income for 3-6 monthsYou have a budget - you know what you earn and spendYou know your home loan / savings interest rateYou know how much you have in savingsNone of the above
Do you have any investments?*

SharesExchange Traded Funds (ETFs)Investment PropertyManaged Fund(s)Investment Bond(s)Peer to Peer Lending / Credit InvestmentCryptocurrencyOtherNo other investments... (yet)
Your super*

You know where your super currently isYou know how many super accounts you haveYou know how much you have in superYou know how your super is investedYou know how your super is performingNone of the above
Your personal risk insurance*

You have Life insuranceYou have Total & Permanent Disability (TPD) insuranceYou have Income Protection insuranceYou have Trauma / Critical Illness insuranceOne or more of the above insurances are outside your superNo personal risk insurance / you're not sure
Other financial stuff*

You don't have at least one of the following: Will, Enduring Power of Attorney, Binding Death Benefit Nomination (super)You have a plan to actively minimise tax and investYou have excess money you'd like to investYou are currently saving to buy your first homeYou would like some guidance on what to do with your moneyYou are looking for a professional referral (solicitor, mortgage broker, etc.)None of the above
On a scale of 0 - 10, how do you feel you manage your budget, cash flow and paying your bills?*
0 = Terrible... 5 - Not going backwards, but not really getting ahead either... 10 = There's no room for improvement. I have a sound banking structure. I know how much I earn and spend. My bills are paid on auto pilot. I always have a predictable surplus. I have a healthy emergency fund of 3+ months' expenses..
What about your debts? Do you feel in control of them?*
0 = Drowning in debt... 5 - I'm keeping on top of my debts, but that's all... 10 = I have no bad debt.
How confident are you with your current investment strategy?*
0 = I have no investments... 5 = I have some investments, but not as much as I should... 10 = I can live off my investments and no longer need to work.
How well do you manage your tax affairs and take advantage of government benefits?*
0 = I have no idea... 5 - I rely on my accountant... 10 = I get what I'm entitled to and have a clear tax strategy
How do you rate your knowledge of superannuation and retirement planning?*
0 = What is super? 5 - I know how my super is tracking... 10 = I understand how super works and have everything set up and on track
If illness or injury prevented you from working, or you pass away, do you have enough money to sustain you / your family long-term?*
0 = I / we would be stuffed... 5 - I / we wouldn't last a couple of years... 10 = I / we would be fine. I've taken full responsibility for my situation and have a plan
How confident are you in your current estate plan?*
0 = Estate what..? 5 = I have a will or beneficiary nomination for super, but no legal or financial advice... 10 = Up to date will (with expert advice), power of attorney, medical directive and correctly structured binding death beneficiary nomination through super - Also have business succession plan (if a business owner)
How do you feel you do with reviewing your financial situation?*
0 = I don't ever look at what's going on... 5 = I'll look over things occasionally but I'm not proactive... 10 = I feel in complete control and know exactly what's going on with my money, as I review things regularly
Have you had a thorough review of your financial situation in the last 2 years?*

YesNo
A few final questions...

Identifying your key concerns and what you want most to get out of our meeting.
Which 'Life Stage' best describes your life at present?*

‘Start Up’: The idea of creating wealth sounds very appealing. Don’t have much in the way of investments but keen to commence a plan for the future.‘Grow Richer’: Looking at further wealth creation strategies including your own home. May have significant debt but still looking for growth alternatives. Protecting income, assets & family a big priority.‘Achieve’: Looking at using property & assets already accumulated to maximise wealth. Close to the peak of your career so now is the time to make the most of your income & assets. Need to consolidate position & secure your future.‘Fine Tune’: Affluent investors who are thinking about protecting assets already accumulated. Beginning to feel financially independent, it is an ideal time to leverage your assets & protect income to build up your nest egg.‘Enjoy’: Getting ready to live off the wealth you have accumulated. Your goal is to maximise income from investments, minimise taxation, maximise centrelink advantage & enjoy a quality lifestyle.
How would you rate your quality of life – sense of confidence (financially), ability to get away, satisfaction from your work, income, fun, relationships, etc.?*

Poor - “This pretty much sucks; I’m working way too hard for little or no reward.”Average - “It’s alright but there are problems that I’m struggling with, hard to see the way forward.”Good - “I’m doing OK but there’s lots more options to be had here. I’d love some ideas or help…”Great - “Things are really good. I want to step it up a notch, look at more opportunities and take things to the next level.”Awesome - “Our situation is very comfortable! It’s time for growth and for me to really improve & consolidate! Looking to maximize the fruits of my labor…”
What are the things that matter most to you? What do you want to achieve by working together?
What are the main challenges or concerns that you are facing (financially) today?
Challenge or Concern 1
Challenge or Concern 2*
What are the main opportunities or ideas you have in mind to get ahead right now?
Opportunity or Idea 1*
Opportunity or Idea 2*
What kind of an impact would achieving / overcoming those things have on your life? What would be different? How will you feel?*
E.g. I will have a clear sense of direction to achieving [x] / I won't have to worry about [y] anymore / I will be able to stop working / I will have peace of mind that [z] / my family won't have to worry, etc.
If you don't achieve / overcome those things, what kind of an impact will that have on your life? How will this make you feel?*
E.g. I will have to work longer before I can retire / I still won't have control of my money / I
Your level of commitment

We want to work with people who are motivated to achieving more because they recognise that change is necessary to improve their financial wellness.
If we can clearly demonstrate that you'll be better off by working with us, how committed are you to taking action?*

I'm fully committed. If you can help me improve my financial situation, I'm ready to start taking action right now.I'm not sure if I'm ready to commit to putting in the effort, even if you can help me achieve more with my money.I'm not ready to commit, even if you can find ways to put me in a better financial position by working with you.
If you choose to book in a time for an obligation-free chat about your responses, what expectations do you have for our meeting / what are you most hoping we can help you with? *
Please share any other thoughts you have here.
Should be Empty:

FINANCIAL WELLNESS ASSESSMENT

Your basic details

An overview of your current situation - please tick all that apply

A few final questions...

What are the things that matter most to you? What do you want to achieve by working together?

Your level of commitment