The first appointment is always at our cost.
Firstly, you need to work out why you are seeking advice.
Secondly, you need to know who you are dealing with. The NZ Regulator - the FMA - provides a list of questions to ask your Financial Adviser. First and foremost, are they an Authorised Financial Adviser (AFA)? At Keystone Advice Group, that answer is YES. Why is this important to you - because Code Standard One of the Code of Professional Conduct requires that An Authorised Financial Adviser must place the interests of the client first, and must act with integrity. No other adviser category has this demand placed on them (but they should!)
Thirdly, call us and talk through your situation and we'll discuss whether an appointment may be appropriate.
The FMA published a section about when to speak to an Adviser. The page is here. Their key four questions are as follows:
Is an adviser right for you?
If you answer no to any of these questions, it’s likely you’d benefit from talking to an adviser!
- Do you have time to research all the financial products available to you?
- Do you have the knowledge to understand if these products are suitable for your financial goals?
- Are you comfortable taking responsibility for your decisions?
- Did you know that if you use a financial adviser you have more rights if something goes wrong?
What we expect from you
Each Adviser at Keystone Advice Group has a limited number of clients where we have a deep relationship rather than doing a little bit for a large database.
Therefore, we are not interested in a one night stand.
If you are interested in having a strategic plan in place enabling you to make the most of your money and allowing us to really get involved, then you are in the right place.
We like to think that we're the second call you make when you are pregnant (her mother is first, then us, then his mother)!
We also want you to have one throat to choke - ours.
We don't expect the works from the outset - just a commitment that you work with us to enable you to get ahead and leverage every opportunity. As our partnership grows, we expect you to work with us to assist you to the best of our abilities.
Prochaska's Stages of Change
The leading researcher on understanding how people change their behaviour is Dr James Prochaska, who with his colleagues has published "changing for good". His research found that change involves a 6-step process.
1. Pre-Contemplation - When we are not even cognisent we need to change (Not Ready Yet)
2. Contemplation - When we begin to actively think about change (Getting Ready)
3. Prepartion - When we take the steps to prepare for making a change (Ready)
4. Action - The actual process of making the change (Time to Act)
5. Maintenance - Where we take on proactive efforts to maintain the change (Avoid Relapse)
6. Termination - We no longer need to actively maintain a change. The new behaviour has become "permanent" (Entrenched)
Why do we list this here? Have a think about and recognise what stage you are at when you engage us on any matter.
Privacy Act 1993
We are bound by the Privacy Act 1993. Full details can be found here