Goal based financial advice
At Dalton Financial Partners, you won’t get a ‘cookie cutter’ or ‘one size fits all’ approach to advice. Our clients are unique and therefore require a financial plan that has been tailored for their specific situation. We cover a wide range of strategies and work with other professionals (accounting and legal) to provide advice that covers all aspects of your financial life.
Our comprehensive advice process is broken down into the following steps
Clarify and set meaningful financial and lifestyle goals.
Conduct a comprehensive review of your current situation.
Create and implement your financial plan, focusing on one strategy at a time.
Regularly review your financial plan and progress.
We believe that the foundation of all financial plans is setting clear and meaningful goals. Money needs to be given a purpose and your goals are the basis of our strategies and advice.
Core Strategies
Retirement planning and transition to retirement strategies
Life and income insurance
Superannuation strategies including SMSF
Shares and managed portfolios
Estate planning and asset protection
Cash flow, debt management and tax minimisation through investment
Other strategies we cover
Company and trust owned investments
Property investment
Social security and aged care
Employee share schemes and salary packaging
Project work with other professionals (Accountants, Lawyers)
Gearing (borrowing to invest)
Representation and negotiation
Business planning
Our fees
Dalton FP charges a fixed fee* for our services which covers all interactions, advice, strategy, meetings, documentation, and implementation during the service period. This fee is based on factors such as the complexity of your situation, the areas of advice and the expertise required. Our typical service engagement is 12 months, but we may offer shorter engagements for clients with simpler situations that do not require ongoing advice. Fees are normally collected via a combination of upfront payment and monthly direct debit. The proportion of fees allocated to superannuation advice can be charged to your super fund in most cases.
*In regard to life & disability insurance strategies, our preference is to charge you a combination of a fixed fee (included in your annual fee) and product commissions to cover the cost of this advice and implementation. However, clients can elect to have commissions removed and pay a higher fixed fee instead.
