ATM Financial Consultants: Our Financial Planning Process

Comprehensive Financial Planning

Our focus is to support you in meeting your goals and creating financial success. This comes from having a big picture view in the form of a comprehensive financial plan to enable you to understand how the various elements interact. You direct your focus and energy to achieve specific results while keeping the big picture in mind – and avoid the pitfalls that comes from looking at things in isolation.

Initial meeting

The first step towards achieving your financial goals is to commit one hour of your time and book a one hour initial consultation. It is free of charge and you will walk away with a Financial Plan Overview – normally valued at $500.

To get a better understanding of where you think you are financially, we will ask you to spend a few minutes before the meeting to consider your challenges and opportunities and plot where you feel you sit on each of the 8 key areas on our financial success matrix.

Once at the meeting we will spend some time exploring your lifestyle goals and how they fit with your financial position. We will discuss a range of areas such as:

  • Investment
  • Risk Management and Insurance
  • Retirement Planning
  • Superannuation
  • Centrelink
  • Aged Care
  • Estate Planning
  • Business

Financial Plan Overview

At the end of the meeting we will summarise your plans in a one page Financial Plan Overview. Together we will identify how the various aspects fit together and what areas need attention for you to achieve your goals.

This is the point where you need to commit. Your plan will serve no purpose unless you are going to implement it.

Fact Find Meeting

If you want us to partner with you to help you put your plan into action, then we will arrange our full fact find meeting. This will go for around 2 hours and will be a comprehensive review of where you are at and where you want to go. It will be a great basis for putting the detail into that Financial Plan.

Analysis, Discussions and Recommendations

We will provide you with a summary of our discussions before we embark on a process of analysis, discussion with yourself and preparing our recommendations for you. This will be presented in a Statement of Advice and will tie back to your Financial Plan Document.


We will then work with you to implement the recommendations from that initial statement of advice.

Monitor and Report

For most people, the implementation of that initial Statement of Advice is just the starting point.

From there we will monitor and report on your progress as part of our ongoing service.

Our responsibility is to oversee and coordinate all the aspects of your financial plans. We manage the progress toward meeting the goals and provide accountability. You can see how you are going.


We will regularly meet with you to review how you are tracking towards your goals. We can allow for any change in your circumstances, changes in legislation, changes in the environment and adjust your plans accordingly. Where necessary this will lead us to more analysis and a new set of recommendations.

Our responsibility here is to assist you with the areas that you need help with and take the stress out of it for you. All the information you need to achieve your financial goals is in the public domain.  Our job is to help you make sense of it and to remove the complexity associated with your wealth management.


If you have any questions about the process please contact Stephen Jones of ATM Financial Consultants Pty Ltd on 9800 3433.