About Our Advice
Values and lifestyle based financial planning
Something people often notice about us is that we are different from typical financial advisors and planners. Our team take the time to understand your needs, wants and fears to create a personal finance plan that will work for you. We also steer away from confusing language, guiding you through every step of the process and speaking in clear terms you will understand.
As an authorised representative of the NOW Financial Group our advice is based on experience and not aligned with any particular financial institution. We act for you and provide advice and product recommendations to suit your specific needs.
Our financial planners will provide you with:
- Access to a personal financial advisor
- Financial clarity at all stages of life – from first job, to marriage, to raising a family, planning for retirement and actually retiring
- Personal finance guidance for your circumstances and needs
- Complete support from a team of financial experts
- A comprehensive plan that we develop with you to achieve your goals financial goals
- Reporting and updates on your financial plan implementation and performance to make sure you are on track to achieve what’s important to you
- Adjustments to financial strategy and investment portfolios over time
- Reviews of both internal and external market conditions and other influences such as legislative changes
- Expert advice on super, insurance, retirement home loans, aged care, asset protection, specialist loans and tax.
Don’t settle for an ‘off-the-shelf’ solution, choose a financial planner who will focus on your individual circumstances and goals over the long term.
We work with you to help you achieve your financial goals. By taking control of your financial situation you are more likely to set realistic goals and achieve them.
Our Process
The Doran Financial Services team start by listening to you, understanding why you have come to see us and where you want to get to with your financial future. From here we can discuss your options and how we can help.
With many of our new clients being referred by existing clients you may already know a little about us. However, as everyone’s situation is unique, so too is our advice. Our advice is tailored to you and your needs, both now and in the future.
Once you decide to proceed we will prepare and present a Statement of Advice which outlines our understanding of your situation, recommendations and how they will benefit you, and any costs you may incur. If we are recommending any products then we clearly outline why we have chosen them and all fees involved. We then discuss our recommendations and any changes you would like to make.
Following your approval to proceed we will implement your plan and follow up on a consistent basis, keeping you informed along the way.
We offer all clients an ongoing review service
The one thing we can be sure of in life is change. By participating in our ongoing review service you can be sure that your financial plan continues to adapt as your situation changes. We also monitor the legislative and economic markets and notify you when your plan needs to be reviewed.
To find out more about how we can help you take control of your financial future click here to contact us or make an appointment.
Frequently Asked Questions
We welcome you to read through our most frequently asked questions and answers or get in touch to have a chat about your situation.
Doran Financial Services financial planners can help you with many complex financial matters to ensure you make the right decision for your financial security. Such as:
- Retirement planning
- Pre-retirement planning
- Superannuation
- Estate planning
- Insurance – life, trauma, income protection and disability cover
- Investing and investment advice
- Wealth creation and management
- Debt management
- Aged care
A Financial planner is your financial ‘coach’. They will assist you in all matters financial, whether they are general or specific.
There are many benefits to having professional financial advice. A financial planner from Doran Financial Services:
- provides direction, clarity and meaning to your financial decisions
- helps you to understand how each decision you make affects other areas of your finances. For example, buying a particular investment product might help pay off your mortgage faster or it might delay your retirement significantly
- can help you make the most of your money, responding to different stages in your life and changing conditions to make sure you meet your goals
Plus, to get the most out of your money there is a lot to consider and understand. A financial planner has the skills, training and experience to guide you in the right direction.
If you have any financial investments, or are thinking about making an investment, you should see a financial planner. Most investment can start from as little as $150 or $1,000 per month.
Most people are willing to give an opinion, however to provide ‘financial service’ advice, a person needs to obtain an Australian Financial Services Licence (AFSL) or become an authorised representative of an AFSL holder. Thus an accountant or solicitor must have a Licence or be authorised before providing advice.
‘Financial Services’ are defined very broadly and include providing financial product advice and dealing, or arranging to deal, in financial products. So unless they are covered by an AFSL, an accountant or solicitor cannot offer investment advice or recommend specific financial products.
Doran Financial Services recommends you ask these questions: Read More >
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To find out more about how we can help you click here to contact us or make an appointment.