info@bruiningpartners.com.au
Level 1, 115 Cambridge Street, West Leederville WA 6007

OUR PROCESS

Building Your Retirement Plan

All of our financial plans are peer-reviewed and all recommended strategies are grilled by the adviser team before being presented to a client. Our objective is to help you best achieve what’s most important to you, and devise a strategy to make sure this can happen.

The hard truth! We love nothing more than helping clients put a plan in place that meets all of their wishes, but the reality is that sometimes this isn’t possible. We will always have the difficult conversation with clients where compromise is required. We spend much of our weekly meetings deliberating the options for when clients may need to consider a “Plan B”.

Our plans change as your life does. Illness, redundancy or sometimes the reality that what you thought you wanted isn’t it after all – we review client’s plans and objectives on an annual basis and will adjust our strategy and approach when your plans change.

1. We identify your goals & objectives

The most important part of any strategy is identifying the long-term goals. This is where we determine when you can afford to retire, and what lifestyle you can afford to pursue.

From cruising to caravanning, or simply spending quality time with your grandchildren, Bruining Partners is here to help you navigate the best way to financially pursue your dream retirement.

2. We build your spending plan

We specialise in helping our clients enter retirement equipped with financial security, enabling them to maximise their spending.

Our spending plan includes:

  • When you can retire
  • What final amount is required to meet your retirement goals
  • Any legacy or gifts to your family
3. We align your investments

Through our personalised portfolio management process, we consolidate your investment and spending goals with your unique lifestyle needs and responsibilities.

We have built a robust governance framework that supports our personalised investment approach. Our investment committee meets on a regular basis to review the suitability of our investment approach.

Because we are independent, our investment committee is not beholden to the views of any particular research house, and we employ an asset consultant to bring additional depth and rigour to the investment oversight and decision-making process.

4. We strategize

We consider how we can help you maximise your financial situation.

Our advisers are technical boffins and we only select advisers who love spreadsheets and all aspects of superannuation, social security, insurance , and the weird and wonderful so you don’t have to.

5. We road test the plan

Our recommendations and strategies are built on comprehensive modeling and conservative assumptions. All of our financial plans are peer-reviewed and analysed by the entire adviser team before being presented to a client.

We love nothing more than helping clients put a plan in place that meets all of their wishes, and our process enables us to create a strategy that balances the needs of today with your aspirations for tomorrow.

6. We build the house

Once you are comfortable with our recommendations, it’s time to put your plan in place. As your Financial Planner, we will prepare all the necessary paperwork and submit any required applications.

Unlike larger firms, we offer our clients additional services, such as handling all Centrelink paperwork for Age Pension applications, updates and Commonwealth Seniors Health Care Cards when applicable.

7. We help you stay in shape

While it pays to be prepared, we employ strategies that support adaptability and flexibility to ensure your financial security is maintained no matter what.

Life is unpredictable in nature, so whether you’re impacted by illness, redundancy or a large shift in your income, we review your plans and objectives on an annual basis and will adjust our strategy accordingly.

Contact us today to arrange an appointment

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