Providing high quality personalised service and tailored financial advice to suit your individual needs.

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Our Process

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At TJSfinancial we provide you with the information and advice needed to help you take control of your financial future.

The following process is used:

  1. Initial Consultation
  2. Preparing your Financial Plan (Statement of Advice)
  3. Presentation of your Statement of Advice
  4. Implementing Advice
  5. Reviewing your plan

Initial Consultation

The first step of any meeting is to find out where you are now, and where you would like to be in the future. The amount of information you provide at the Fact Finding interview will determine the scope of advice. Your goals and any financial issues you may have will be identified and discussed. At this interview costs for the advice will also be discussed, as will any on-going service fees. A client service agreement will then be discussed and agreed on and this will be signed at the time of presentation of the advice. This way both parties will be clear on the subject matter of advice , the costs of the advice itself and any on-going costs applicable. This allows you to make a informed decision.

You will also be provided with a Financial Services Guide at this meeting, this outlines who your adviser is, and who your adviser works for. It also outlines other important information you need to be aware of.

View our FSG ›

View our Fact Find ›

What to Bring to Your First Meeting

Depending on what advice you require, please ensure you bring:

  • Last 2 years tax returns.
  • A working budget if you have one.
  • Any superannuation or insurance statements that may be relevant.
  • Centrelink information or last two pay slips.
  • Copies of any share holdings or managed funds, or any other financial investments.
  • Basic Assets and Liabilities.

Please also think about your short and long term financial objectives. For example , how much do you want to retire on, when do you want to retire, any big purchases you need to pay for, and savings goals or debts you want to pay off?

Preparing Your Financial Plan

The second step is for your personal adviser to formulate the strategy and construct a personalised statement of advice based on the information gathered at our first meeting. Your adviser will research information provided using specialist software to determine how we can help you take control of your financial future.

Presentation of Your Statement of Advice

The third step is to meet with you and present your personalised Statement of Advice with our recommendations. All the necessary documentation will be completed and we then take care of the rest for you.

Implementing Advice

The fourth step is implementation of the advice. This is where our expert staff take control and ensure the implementation process is a smooth transition.

Reviewing Your Plan

The fifth step is the review process, this is agreed on at time of signing the Statement of Advice. However, your Adviser is available to discuss any concerns you have at any time.

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Tor Janes ABN 53 896 161 038 [t/a TJSfinancial] is an Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049, who holds an AFSL and Australian Credit Licence No. 236523.