Menu

To be Clever is to be quick to understand, learn and devise or apply ideas.
To use intelligence.

Why Use a Planner?

Ultimately, planning is the process of communication and the sharing of information with the goal of implementing suitable strategies over time to help achieve your goals and objectives. While it sounds simple enough, with so many different financial service providers, asset classes, and products available, navigating the financial environment is complex, confusing and time consuming.

Knowing where to start first, what to look for and the traps to avoid is essential. Taking into consideration factors such as income earning potential, risk exposure, potential taxation treatment, and opportunity costs is also key to successful planning.

We make it easy by doing the hard work for you. As your planner, our main role is to help you find and implement strategies aimed at achieving your desired outcomes. We utilise our skills, experience, and knowledge, to recommend the right strategies and products to help achieve your goals.

As an experienced and trustworthy planner, the journey doesn’t stop when the strategy is implemented. We are available to provide ongoing support and advice to ensure your strategy and products remain relevant and competitive for your circumstances.

Why Clever Advice?

Planning is about more than just what to invest in. With over 25 years of Accounting, Financial Planning and Lending experience we have the knowledge and expertise to support your entire planning journey.


At Clever Advice, we aim to make planning as simple and efficient as possible for you. Our promise is to deliver expert advice and tailored solutions with the comfort of knowing that you’ll have our full support at every step of the journey. We’ll provide information and education to answer your questions and allow you to make informed decisions.

Our approach is tailored for you - We start by clarifying your goals and objectives, and understanding your cash flow. From here we will review your strategies and determine the right solutions to help achieve your desired outcomes. Our experience and attention to detail allows us to ensure your plan is smoothly implemented.

We are flexible and available when you need, ready to help answer your questions and eliminate stress. Our approach is designed to deliver you a smooth transition from idea through to implementation.


We can help you get started on your planning journey with a Strategic Roadmap. This will help point you in the right direction. We can support you with specialist advice for a one-off specific matter, like insurance advice, investments, or how to handle an inheritance. We also offer complete and ongoing advice through our Annual Subscription family office styled service – this option covers comprehensive advice, implementation, quarterly reviews and updates, all backed up with 365 days of phone and email support.

Our network also offers other valuable services to assist with your ongoing financial requirements.

Action makes your Dreams Reality - Start Today

Book an Obligation Free Planning Consultation Today.

Our Approach

Plan, Act and Evaluate. There is a lot of work behind the scenes to develop and implement a comprehensive strategic plan. Plans are dynamic in nature and require regular review to ensure they remain relevant in a changing financial landscape. Subject to your ongoing service choice, you will have our ongoing support once the plan has been implemented.

Our approach has been designed to efficiently flow through 3 key stages - Discovery, Recommendation and Implementation

While there’s different steps needed to be taken at each stage, they have been designed to carefully navigate you from understanding your financial potential, to identifying and reviewing strategic options, and finally choosing and implementing the right strategies.

We begin with our obligation free complementary Financial Review Meeting. When scheduling this meeting, we’ll provide you with our Financial Services Guide. This document contains information about the services we provide and other relevant information for you as a consumer to help you make informed decisions.

The more information we have at the initial meeting, the easier it is for us to analyse your situation and provide meaningful assistance. To aid the process, we will also provide you with our fact find document, giving you the opportunity to prefill information in preparation for our meeting. 

During this meeting we’ll discuss:

Your current needs and future goals, objectives, and financial preferences

Your basic financial information – employment, income, cash flow, assets & liabilities

Your potential planning strategies

To progress to the next stage, we’ll then request from you any additional information and documentation required to allow us to research your existing financial products, like Super, Insurance and your investments.  This will allow us to better determine your options and make suitable recommendations.

Armed with all the relevant information and required documentation, this is where we action our expertise.

We’ll conduct a thorough analysis of your financial circumstances relative to your goals and objectives. We will research your existing products and identify areas for improvement or action. This will allow us to determine appropriate strategies aimed at achieving your objectives. During this process we will consider the appropriate timing and integration of the strategic options available to develop a strategic roadmap.

Based on the area of advice required, we will compare available products with the aim of shortlisting the potential options suited to your requirements. We’ll consider factors such as the product’s current and past performance, overall costs, ongoing fees, product features gained and/or lost, customer service support, and where relevant, available platforms and accessibility.

Once we’re satisfied with the strategy, we will document our advice in a Statement of Advice (SOA). Where multiple advice areas are identified, we may provide this advice on a scaled basis, addressing specific areas individually in their own SOA.

The SOA document is designed to provide you with the required information to make an informed decision. It includes:

Your Client Information – a record of the information provided by you in relation to your financial circumstances, goals and objectives.

Our Assessment – of the information obtained from our interviews, discussions and our reasonable enquiries. This forms the basis of our product recommendation.

A Product Comparison – this compares the suitable products identified, detailing costs and benefits and highlighting their differences.

Our Recommendation – which provides important information we must give you when we provide financial advice. It contains information about the proposed product, fees to pay, and the commissions we receive.

Once we’ve covered all the details, answered all your questions and ensured you are satisfied, we’ll seek your approval to proceed to implementation. From here, we’ll implement the recommendations documented in the Statement of Advice with the relevant service provider.

Depending on the complexity of the advice, and time lapsed, there may be additional information required or further clarifications. We will coordinate communications with you and the product provider to facilitate the implementation.

We’ll keep you updated and informed along the journey, being mindful of the key requirements to help ensure a smooth implementation process. Subject to your ongoing service choice, you will have our ongoing support once the plan has been implemented.

Take the first step - Discover your Planning Options

Book an Obligation Free Planning Consultation Today.

Contact us!

Be Clever,
get Expert Advice

Schedule your obligation free consultation Today !

Legal

Clever Advice Pty Ltd ABN 90 624 242 486, Authorised Representative 1248761, is authorised under Climb Wealth Pty Ltd Australian Financial Services Licence Number 409424, ABN 36 146 520 390