Bravium
Bravium provides comprehensive financial advice and service to its clients. The advice we provide is tailored to each client’s individual needs and circumstances. Areas that we specialise in are:
- Wealth creation and management;
- Investment structuring;
- Superannuation – including Self Managed Superannuation Funds (SMSF) and defined benefit funds such as CSS, PSS, DFRDB and MSBS;
- Personal Insurance;
- Estate Planning;
- Taxation Planning;
- Business Succession Planning and Buy/Sell Agreements;
- Retirement Planning and Centrelink advice; and
- Borrowing and gearing advice.
Our Service
Discovery Meeting
Our initial ‘discovery’ meeting with you is free of charge. This meeting is an opportunity for us both to explore whether we should consider working together. We start by looking at your values, then your goals and objectives, and finally, details about your current circumstances.
Letter of Engagement
After the discovery meeting has concluded, we will consider the advice and work that is required to help you. After careful analysis, we present you with a Letter of Engagement.
The Letter of Engagement will summarise our understanding of the issues that are important to you and the advice we believe is required to assist you achieve financial success. It will also provide you with a fee estimate for the work required in the first 12 months including:
- The preparation of a Statement of Advice;
- Implementation of our recommendations; and
- Regular Meetings.
Advice Map
Along with a Letter of Engagement we will present you with an ‘Advice Map’. This document is a one page advice plan that summarises your values, goals, interests, current professional advisers, assets, relationships and the advice process. It is an important working document that allows us to quickly update and review your position and our advice.
Presentation Meeting
This meeting is where we present to you our advice and strategies (our Statement of Advice) that will provide you with a solid foundation to help you achieve your financial success. We ensure that you understand and are comfortable with the advice that we present you with. We will also discuss the implementation of the advice to ensure the benefits are achieved.
Implementation
The implementation of advice can be a complex and time consuming process which is often left to the clients to try and deal with. We believe in ensuring professional advice is followed by professional service. As such, we project manage the implementation of our recommendations with you. For example this may involve meetings with solicitors where we are able to explain what it is you are looking to achieve with your estate plan or buy/sell agreement for your business, or it may be assisting with the application and approval of life insurance.
Ongoing Advice
On an ongoing basis, and as agreed with you, we will meet to update our recommendations, consider your changing circumstances and to ensure that the strategies employed are maximising your potential for financial success. Importantly, we are growing our understanding of you as a client and use this to finely tune our advice to your ongoing needs.
Our Fees
Bravium offers advice to clients on a ‘fee only’ basis. We charge a flat annual fee based on the advice and service required to help you achieve financial success. We do not retain any commissions. This means our advice is focused on the best outcomes for each client, and is not influenced by remuneration paid by financial product providers. It’s a distinction that we see as important and one that sets us apart from most other advisers.
