---
title: "Financial planning: how it works"
description: How we build your strategy, write your advice and put it in place, whichever way you work with us.
---

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# Financial planning: how it works

## How we build your strategy, write your advice and put it in place, whichever way you work with us.

Financial planning, also called your financial strategy, is one of three tracks that start once onboarding is done. We build your strategy, write it up as your Statement of Advice, then put it in place.

### What it covers

Your income and cash flow, super, investments, Centrelink, tax and estate, in one coordinated plan, plus aged care or village costs where they apply.

### What we do

1. Your adviser sets your strategy, with cash flow modelling.
2. Our client services officers draft your Statement of Advice, and your adviser signs it off.
3. Your adviser walks you through it in your advice presentation meeting, where nothing is signed.
4. Once you've signed, our implementation specialist puts it in place, checked against your advice.

### Advice comes in writing

We don't give financial advice by text, or in a quick chat about what we think. It comes as a formal Statement of Advice: a document written for you, setting out where you are now, what we recommend and why, what it costs, and what you gain and give up. Your adviser walks you through it before you sign anything. That's what the law asks of us, and it protects you. See [What's in your Statement of Advice](https://portal.primeyears.com.au/help/whats-in-your-statement-of-advice?hsLang=en-au).

### What we need from you

Your documents, details and authorities, given once at onboarding: see [Your onboarding checklist](https://portal.primeyears.com.au/help/your-onboarding-checklist?hsLang=en-au). After that, you meet your adviser, ask questions and sign once.

### How long it takes

Set Up takes about 90 days from the day you pay. The advice presentation meeting has no set day: we book it when your advice is ready. If a step is going to take longer, we tell you before it does.

### How we keep you posted

By email at each step, with your one-page "Your year with us" guide: when you're set up, when your advice is ready and when it's all in place.

### Ongoing service and the Concierge

The steps are the same. On ongoing service, your investments are brought together on the platform recommended in your advice, in our model portfolio, and looked after for good. For the Concierge, your advice centres on the job at hand, such as paying for aged care, and is revisited if the home sells or things change.

### What happens next

Just booked your initial meeting? Your adviser explains how this works, and our fees, in that meeting. Fees are set out in writing before anything is agreed.

Questions? Text us on 0489 274 766 or email admin@primeyears.com.au.

- [Getting started](https://portal.primeyears.com.au/help/getting-started?hsLang=en-au)
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- [Meetings, signing and authorities](https://portal.primeyears.com.au/help/meetings-signing-and-authorities?hsLang=en-au)
- [Financial planning](https://portal.primeyears.com.au/help/financial-planning?hsLang=en-au)
- [Centrelink](https://portal.primeyears.com.au/help/centrelink?hsLang=en-au)
- [Aged care, villages and the family home](https://portal.primeyears.com.au/help/aged-care-villages-and-the-family-home?hsLang=en-au)
- [Payments and your engagement](https://portal.primeyears.com.au/help/payments-and-your-engagement?hsLang=en-au)

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