This page contains answers to some common questions we have been asked:

1.  How do I find your office?

Go to our Location page for full details of how to find our office, or our Contact Us page for contract details.

2.  What is Financial Planning?

"Financial Planning” is the process of providing advice and assistance to clients for the purpose of determining whether and how clients can meet their financial needs and life goals through the proper management of financial resources.

The Financial Planning process typically includes but is not limited to the following elements:

• establishing and defining the client / planner relationship,

• gathering your information,

• establishment of your goals,

• analysing and evaluating your financial status including problem identification,

• developing and presenting recommendations and/or alternatives for negotiation

• implementing the agreed-upon recommendations, and

• reviewing and updating the financial plan as required.

A client may be an individual, a family unit or a legal entity.

Comprehensive Financial Planning will include the basic areas of;  financial position analysis investment planning (portfolio design and management, superannuation, borrowings, taxation and legal structures), risk management and insurance, retirement planning and estate planning.  Education funding, charitable planning and business succession planning may also be covered as required.

The financial planning process can be applied to meet your needs on:

• a full range of your goals on a comprehensive basis,

• a sub-set of your goals on a more limited basis, or

• a specific goal / need on a specialised basis.

The definition of financial planning acknowledges that the process can result in you receiving a full, comprehensive financial plan or it can be more limited either because you do not provide us with all the information we need or because you ask us to look at just one part of your financial life.

3.  Who is TFS Wealth Management and what is the relationship to Garvan Financial Planning?

GWM Adviser Services Ltd trades as Garvan Financial Planning. GWM Adviser Services is an Australian Financial Services Licensee.

TFS Wealth Management Pty Ltd is an Authorised Representative of Garvan Financial Planning, and therefore is duly authorised to provide personal advice on a range of investments and financial services. It provides this service through it's Financial Advisers - Adam Greentree.

The background of these individuals is outlined in 'About Us'.

This information, including the nature of the relationship, the range of services offered, remuneration options, and complaints handling procedures are outlined in our Financial Services Guide. This guide is available on request, and is provided to new clients at the time of making an appointment. We have included a copy of Adam's as an example.