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Your wealth in good company

Wealth is not only created by investing your savings but also by limiting the loss of money due to a lack of experience, time, knowledge and proper financial advice. Save yourself valuable time by allowing the team at Delfin to share with you our experience, knowledge and approach to understandable and transparent financial advice.


Good Questions

1. What is Financial Planning?

Financial planning is the process of meeting your life goals through the proper management of your finances. Life goals can include buying a home, saving for your child’s education, going on a special vacation or planning for retirement.

The financial planning process consists of six steps that help you take a "big picture" look at where you are financially. Using these six steps, you can work out where you are now, what you may need in the future and what you must do to reach your goals.

The process involves gathering relevant financial information, setting life goals, examining your current financial status and coming up with a strategy or plan for how you can meet your goals given your current situation and future plans and reviewing this on an ongoing basis.

2. What is a Financial Planner?

A professional financial planner is a trusted advisor who works with you to review all of your options so that you can make informed decisions about your financial situation at every stage in your life. By meeting rigorous international competency, ethical and professional practice standards, a financial planner is qualified to deliver integrated financial solutions that allow you to take control of your finances and achieve your life goals.

The best financial planning results come from working with an accredited Financial Planning Institute professional.

3. Why use a Financial Planner?

A Financial Planner is your networking wealth creation partner. Value is continually added as your financial relationship grows. You have access to the planner’s expertise and experience to share your ideas about wealth creation.

Why invent the whole financial wheel for yourself ? Fast track your wealth creation by using a Financial Planner.

4. What is the Financial Planning process?

The following are the six steps in the financial planning process which your financial planner will share with you:

  • Establishing and defining a professional relationship
    The financial planner should clearly explain or document the services to be provided to you and define both his/her and your responsibilities. The planner should explain fully how he/she will be paid and by whom. You and the planner should agree on how long the professional relationship should last and on how decisions will be made.
  • Gathering data, including goals
    The financial planner should ask for information about your financial situation. You and the planner should mutually define your personal and financial goals, understand your time frame for results and discuss, if relevant, how you feel about risk. The financial planner should gather all the necessary documents before giving you the advice you need.
  • Analysing and evaluating your financial status
    The financial planner should analyse your information to assess your current situation and determine what you must do to meet your goals. Depending on what services you have asked for, this could include analysing your assets, liabilities and cash flow, current insurance coverage, investments or tax strategies
  • Developing and presenting financial planning recommendations and/or alternatives
    The financial planner should offer financial planning recommendations that address your goals, based on the information you provide. The planner should go over the recommendations with you to help you understand them so that you can make informed decisions. The planner should also listen to your concerns and revise the recommendations as appropriate.
  • Implementing the financial planning recommendations
    You and the planner should agree on how the recommendations will be carried out. The planner may carry out the recommendations or serve as your "coach," co-ordinating the whole process with you and other professionals such as attorneys or stockbrokers.
  • Monitoring the financial planning recommendations
    You and the planner should agree on who will monitor your progress towards your goals. If the planner is in charge of the process, he/she should report to you periodically to review your situation and adjust the recommendations, if needed, as your life changes.

5. How do I choose a Financial Planner ?

1. Are you a licensed financial services provider and what is your number?

Delfin is a licensed financial services provider registered with the Financial Services Conduct Authority : number 14886.

2. What are your qualifications and professional designations?

Delfin employs Certified Financial Planners (CFP®) and a Chartered Financial Analyst (CFA).

3. What advisory services are you authorised to provide me with?

  • Retirement planning and strategies
  • Share market advice
  • Investment planning
  • Risk planning (death, disability, income protection, trauma)
  • Keyman and business insurance
  • Estate planning and wills

4. How many years experience do you have in giving advice?

Delfin was founded in 2001, but we trace our roots in financial advice back to 1994. Please see the About Us page for the experience of the individual advisors.

5. How will I pay for the service?

How you pay will be determined by the services you require, and may include the following:

- Financial planning and consultation fees for which an invoice is issued.

- Investment advice fees on investments that are made through us.

- Commission on certain insurance policies that are implemented through us.

You will always be told what fees you will pay or how much commission we may earn before you are asked to make a decision.

6. How are the fees and commissions calculated and deducted?

Financial planning and consultation fees are based on the complexity of your individual situation or time spent on the consultation. The fee will be explained and confirmed with you prior to proceding. These may be a once-off or ongoing fees.

Investment advice fees are calculated as a percentage of the value of the investment and deducted from the investment. Delfin do not charge upfront fees on investments, only ongoing fees.

Commission on insurance policies is included in the monthly premium. It is calculated by the insurer and is based on the premium and the term of the insurance.

7. Will you give me advice that is suitable to my investment needs and financial circumstances?

Yes. However, to do so we need to find out your individual objectives, financial situation and needs before we recommend any financial products or services to you.

You have the right not to divulge this information to us if you do not wish to do so. In that case, we are required to warn you about the possible consequences of us not having your full, personal information. You should read the warning carefully.

8. Will my financial plan be reviewed regularly?

Reviewing your financial plan is a vital part of your financial health.

The level of review will depend on your instructions to us. Although the financial plan implemented initially is appropriate for your needs and objectives, you will need to advise us of any change to your circumstances so we can determine whether or not the strategies we have implemented cease to be appropriate for you and your family.

9. What can I do if I am dissatisfied with your services?

We are committed to providing advice to our clients. This commitment extends to providing accessible complaint resolution mechanisms for our clients.
In the event that you are dissatisfied with the services you receive from us, you should take the following steps:

Contact your adviser and tell him about your complaint.

  1. If your complaint is not satisfactorily resolved within 7 days please contact Delfin on (021) 9148225 or put your complaint in writing and send it to us at Delfin Financial Consultants Pty Ltd; PO Box 3258; Tyger Valley 7536.
  2. We will try and resolve your complaint as quickly and as fairly as possible.
  3. If we cannot reach a satisfactory resolution, you can raise your concerns with the Ombud for Financial Service Providers by completing a complaint form and submitting it to the following address:
    Eastwood Office Park, Baobab House, Ground Floor, Cnr Lynnwood Road & Jacobson Drive, Lynnwood Ridge 0081. Telephone: (012) 4709080.

The Ombud will inform every interested party to the complaint received and provide particulars to enable them to respond to the complaint.

  • He may implement any procedure, including mediation and may allow any party the right of legal representation.
  • He may initially explore any reasonable prospects of resolving a complaint, by a conciliated settlement acceptable to all parties.
  • The Ombud may dismiss the complaint if he is of the view that the offer made by the Financial Services Provider is fair
  • If the complainant is unhappy with the Ombud’s determination he may appeal to the Appeal Board, provided, the Ombud grants leave to appeal.

Delfin is committed to ensuring that our clients receive advice that is relevant to their individual circumstances.

An initial consultation with one of our Advisers has no obligation, and our process will provide you with professional advice and personal service that will help you to achieve a secure, comfortable life, free from worry.