Your advice journey
Ready to start building your strategy for the future?
Let’s talk—your journey begins now.
DISCUSS
Talk with us about your current financial situation, goals and what’s important to you.
PLAN
We’ll recommend a plan and agree a fee to achieve your goal.
ACTION
Working with you, we put your plan into action.
MAINTAIN
Monitoring and keeping you on track, revising as your life changes.
Step 1: Discuss
Preparing for Your First Meeting
To make the most of our first conversation, it’s helpful to bring along a few key documents:
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Your latest payslip or recent tax return (if relevant to your situation)
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Details of any insurance policies you currently hold
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Information about your investments, loans, and superannuation.
We also encourage you to reflect on your goals—what you want to achieve financially, and which aspects of your current lifestyle you’d like to maintain or enhance. This helps us tailor our advice to what truly matters to you.
Transparent Fees, Tailored Advice
At Aspira, we believe in clarity and fairness. Toward the end of our first meeting, we’ll discuss and agree on an advice fee upfront. Our advisers operate on a fee-for-service model, with pricing based on the complexity of your needs and the scope of work involved.
There are no hidden fees. You’ll receive a written statement outlining the services we’ll provide and the associated costs—so you can move forward with confidence and clarity.
Step 2: Plan
Your Plan, Your Path Forward
Once we’ve explored your financial goals and aspirations and agreed on a fee, we begin crafting your personalised financial plan: a clear roadmap with defined priorities, objectives, and tailored recommendations.
We’ll then meet again to walk you through the strategies we’ve developed, explain your options in detail, and ensure everything aligns with your vision. This is a collaborative process, designed to give you clarity, confidence, and control over your financial future.
Step 3: Action
Putting Your Plan into Action
Once you’re comfortable with the proposed approach and ready to move forward, we begin implementing the strategies we’ve agreed upon. This includes putting in place any recommended products or services that support your goals.
You’ll receive a clear summary of all actions taken, so you know exactly what’s happening and why. Our aim is to make the process smooth, transparent, and aligned with your vision—so you can move forward with confidence.
Step 4: Maintain
Ongoing Support That Adapts With You
The level of service we agree on during your planning phase includes how often you'd like to be in touch. While much of the ongoing maintenance of your financial plan happens behind the scenes, most clients prefer an annual face-to-face review to revisit their goals and discuss any updates.
If there are legislative changes that may affect your financial position, we’ll proactively reach out to ensure you’re informed and supported.
We also operate with an Open-Door Policy—you’re always welcome to contact us by phone, email, or in person. Whether you have a concern or experience a change in your circumstances, we’re here to help.
Life Happens - We're Here to Help You Navigate
Major life events can shift your financial priorities. If you:
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Start a new job or receive a promotion
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Retire or face redundancy
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Welcome a new family member or experience a loss
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Receive an inheritance
Don’t wait for your next review—get in touch with us right away. We’ll update your financial plan to reflect your new situation and keep you on track.