Our process

Our personalised 11-step framework is tailored to your unique goals and aspirations

OUR APPROACH

Your goals

At RZ Financial Planning, we believe that a clear, structured process is the foundation of effective financial planning. Our 11-step advisory framework aims to deliver comprehensive, personalised financial solutions while building a strong and enduring client-adviser relationship.

This process ensures that every aspect of your financial life is considered, from understanding your goals to ongoing reviews and adjustments.

Why choose RZ Financial Planning?

At RZ Financial Planning, we go beyond traditional financial advice. Our process is designed to:

Simplify complexities: Break down financial planning into clear, actionable steps.
Build trust: Foster a transparent and collaborative relationship.
Deliver results: Align your financial plan with your goals for measurable success.

Whether you’re optimising your tax strategy, planning for retirement, or managing cross-border assets, our 11-step process ensures that every detail is covered.

11 steps to financial clarity

Here’s how we work with you to create a bespoke financial plan:

Establish the relationship

We start by establishing a trusted partnership. This involves full disclosure of our compliance status, agreed remuneration, and a clear understanding of how we will collaborate.

Understand your goals

Through a thorough fact-finding process, we identify your expectations, aspirations, and financial goals. This step guarantees that your plan aligns with what truly matters to you.

Define timescales

We determine your investment horizons and timelines, ensuring that your financial plan aligns with both your short-term needs and long-term goals.

Assess risk tolerance

Understanding your attitude to risk and capacity for loss is critical. We evaluate these factors to design a strategy that matches your comfort level and financial resilience.

Emergency reserve

We help you determine the appropriate amount to maintain as a financial safety net, ensuring you’re prepared for unexpected events.

Analyse your current situation

A comprehensive review of your financial position is conducted, including assets, liabilities, income, and expenses. This analysis forms the basis of your bespoke plan.

Develop the financial plan

Using the insights gathered, we formulate a tailored strategy that addresses your unique needs and goals.

Tax considerations

We review your tax status and explore opportunities to optimise your wealth through tax-efficient wrappers and strategies.

Asset allocation & fund selection

We design a diversified portfolio tailored to your goals, risk tolerance, and investment horizons, ensuring a balanced approach to wealth management.

Recommendations & implementation

We present actionable advice and execute the agreed plan, ensuring every step is transparent and aligned with your objectives.

Ongoing reviews & adjustments

Financial planning is not a one-time event. We conduct annual reviews, rebalance your portfolio, and monitor progress to ensure your plan evolves with your changing circumstances.

Flexible and collaborative process

While our 11-step framework provides a structured approach, it is also flexible and adaptable. Financial planning is dynamic, and some steps may be revisited as your goals and circumstances evolve.

This collaborative process is designed to give you clarity, confidence, and control over your financial future. By working closely with you, we ensure that your plan remains aligned with your aspirations and provides a strong foundation for long-term success.