Comprehensive advice plan includes:
Written advice via a Financial Plan
Personal Risk Investment
Estate Planning
Retirement Planning
Investment Planning
Cash flow/Budgets
Debt
Implementation of recommendations
If includes UK/Aus Pension Advice, additional costs dependent upon type and number of pensions.
Risk only plan includes:
Written advice via Risk Management Plan
Analysis of existing cover
Recommendations
Implementations
ACC Review $500 + GST Minimum.
Investment only plan advice includes:
Written advice via an Investment Policy Statement (IPS)
Investment Analysis
Advice linked to objectives
Whole of Life, NZ Superannuation or similar policies $500 for analysis & recommendation on product only. KiwiSaver Account Advice $500.
Analysis of existing pensions:
Written advice via a UK Pension Review Plan
Guarantees
Death Benefits
Investment funds
Scheme liquidity
Pros & cons of UK versus NZ
Fee comparison
Future benefit projections & comparisons (modelled)
Consideration of tax issues
Considers:
Personal circumstances
Recognised Overseas Pension Scheme (ROPS) Recommendation (if relevant)
Risk Profiling
Implementation of recommendations
Additional Pensions quoted individually.
Analysis of existing scheme:
Written advice via an AU Pension Review Plan
Guarantees
Investment funds
Scheme liquidity
Pros and cons
Fee comparison
Future benefit projections & comparisons (modelled)
KiwiSaver account review/recommendation
Considers:
Personal circumstances
KiwiSaver Fund Recommendation (if relevant)
Risk Profiling
Implementation of recommendations
Quoted individually based on type and number of schemes.
One to one consultancy on any matter you require guidance, support and advice on.
Ongoing advice and services can be charged on a fixed fee one off, monthly or % of funds invested (by mutual agreement).
For ongoing advice, G3 will charge either on an hourly rate or fixed fee basis, or as a percentage of the investment funds under management. All such fees are disclosed within your written plan, which is specific and tailored to the advice provided to you. Your agreement is obtained for these fees to be charged before anything is implemented.
G3 Financial Freedom Limited may receive commissions from insurance providers, when life and disability covers are established for you. These commissions vary depending on the type of cover and will be disclosed within your plan. Commissions may be disclosed as in either dollars or as a percentage. G3 may charge a fee where a client cancels a life, disability or health insurance policy within 2 years of inception. Whether a fee will be charged and the manner in which it will be charged will be advised when the advice is provided. The fee will be charged by way of an invoice from G3 within 2 months after the policy is cancelled.
Some KiwiSaver schemes pay fees to G3 which will be disclosed within your plan, specific to the advice we recommend to you.
If there are other costs incurred in the process of providing our advice and services to you, e.g. incidentals such as travel costs and photocopying, you may be liable for these however, we will discuss and agree any such costs with you prior to you incurring them.