Approved Financial Planners

Approved Financial Planners is based in Floreat and takes a wider view of financial advice than investment selection alone. Understanding a client's values, priorities and existing financial position is the starting point for decisions about saving, investing and retirement.

Budgeting and the balance between present spending and future saving form part of this approach. From that foundation, the practice considers investment strategy, superannuation, risk and the time frames attached to personal and family objectives.

Financial planning connects income, spending, liabilities and family responsibilities to goals with different time frames. The distinction between accessible reserves and money intended for future milestones provides a basis for later investment choices. Investment advice considers the purpose of capital, liquidity, cost and tolerance for volatility before selecting holdings. Individual investments are evaluated for the part they play in a broader financial strategy. Retirement planning considers both the transition out of employment and how savings will be used afterwards. Superannuation access, regular expenditure, cash reserves and longer-term investments may each have different roles.

Clients may be building wealth, supporting dependants or preparing to draw on retirement savings. The firm's planning approach allows these questions to be considered together and reviewed as the client's circumstances and priorities change.