Defining Sufficient Session

What does a Defining Sufficient session look like?

The session is up to 90 minutes and replaces the traditional 'first appointment' you would attend at many other financial advisers.

We’ll chat about your goals, lifestyle, current financial situation, and what the steps are to achieving those things on your list you always wanted. 

To get the most of our time, we’ll send you an online form before your meeting so the session isn't tied up completing paperwork. It's your time to talk, dream, and explore instead.

Can I include my partner?

Yes, of course! There is no additional charge for couples. 

If you are part of a couple and your partner isn't keen on joining, we can have the session with just yourself. Your partner is always welcome to join the process later if they decide they’d like some formal financial advice. 

Sometimes one partner is more keen than the other to meet with us and get the ball rolling and that’s fine! Many of our most vocal advocates were hesitant to be involved but now they rave about the value and clarity they found during the session.

What do I get out of it?

We love seeing the session wrap up when you feel clarity and confidence! 

The biggest benefit of your session is a clear, concise view of what you are working towards and how you’ve ended up where you are. The session is valuable for everyone - no matter what phase of life you're in, or your financial circumstances.

We follow up with a summary of everything we’ve discussed. You’ll get a list of options which may include things we can help with, a suggestion for our financial services, insurance plan, a referral to a third party for tax and accounting, wills and estate planning, or our rockstar in-house mortgage broking team.   

I only need help with detailed questions about my circumstances and don't want to talk about goals.

Laws in Australia require all financial service providers to give formal, documented advice for all recommendations. 

While we can provide you with general advice, we can't provide answers for specific, one-off questions.

This is for your benefit as all advice should be given with a complete understanding of your personal circumstances.   

The Defining Sufficient session is the starting point for any formal advice you could benefit from.

Can you help me with specific advice on buying shares?

We're constantly building and implementing specific investment plans for our crew. This frequently involves the recommendation of share-based assets, e.g. managed funds (both index and active), Exchange Traded Funds (ETFs) and other beneficial structures. 

Note: we are not stock brokers so helping you to pick individual stocks/shares is not a service we provide, however we have a trusted network of referral partners who we can introduce you to as needed. 

I don't have much in the way of savings or assets, is this still worthwhile?

Absolutely! You’re not alone.

We believe that the starting point to making great financial decisions is getting super clear on your goals, values and everything that motivates you. 

The Defining Sufficient session is a standalone service. We've seen hundreds of individuals and couples with varied financial situations get heaps of value from this session.   

We work with lots of people who are just getting started. Maybe we can help out by including a spending plan or debt reduction plan? This will put you in a much better position with your savings and other assets. 

While this is a general advice session, our advisers add plenty of helpful tips for what you're working towards - no matter your starting point.

We pride ourselves on being approachable and relatable in a profession that can sometimes be quite daunting.

Am I locked in/required to continue with your services after my Defining Sufficient session?

Absolutely not! This is a standalone service for a fixed fee. 

This fee covers our time and ensures that we are profitable while providing you with significant value. 

We will provide you with a really clear outline of any future financial advice we believe you will benefit from, but this does not include any pressure to sign up.

I don't know what my goals are, is this going to be a waste of time?

This session is perfect for you.

Our clients love how comfortable we make them feel and our advisers have a knack for asking all the right questions. Their coaching will encourage you to dig deeper, explore your dreams and find the gold! 

What if I'm only looking for financial advice?

The Defining Sufficient session is the main entry point to working with us. 

The session is about working out your needs and goals. These form the basis of any formal financial advice to you if you’d like help moving forward toward your goals. 

It can be booked as a standalone meeting with no obligation to continue with advice. Our clients find this session valuable because it helps to build the foundation for your goals and financial future.

How long is the session?

We set aside 90 minutes for it so we can cover everything you need.

The best part? You won't even need to get out of your PJs because it’s all done via Zoom.

How much is the session?

A Defining Sufficient session is $440 and payment can be made securely via credit/debit card on the booking page.

What services and fees are likely to follow?

While there’s absolutely no obligation to engage us after the session, we do offer a range of financial services to help you achieve everything on your list! 

Here’s what we can help you with:

• Cash flow management and spending plans
• Life insurance and income protection 
• Super 
• Investment 
• Spending plans and debt reduction 
• Home loans 
• Investing for children 
• Tax structuring for tax effectiveness of your finances. Please note we are not tax agents
• Referrals to other professionals such as solicitors, and accountants, as well as our in-house mortgage broker SF - Home Loans 

Our fees are calculated based on our cost to deliver the service to you. 

Most of our clients pay between $3000 and $7000 for a full financial plan that includes implementation (this means we’ll help you get our great advice up and running!). In some cases you may be able to pay a portion of this from your super fund.  

Any referrals to a third party are at no cost to you. We will never benefit from making an introduction to another professional because we prefer to refer you to the best person for the job.

Can I buy this as a gift for someone else?

Yes, and what a great idea!

This is the perfect gift for anyone looking forward to getting ahead in life. 

Maybe you know someone wanting to make some big life and financial decisions? It may be the perfect present for a new couple, weddings, engagements, new baby, or a milestone birthday.

To arrange a Defining Sufficient session as a gift, please email us via the Contact Page.  

Is the session with a qualified financial adviser?

Yes! Your session is with one of our professional financial advisers; Cara Williams or James Millard.

James has over a decade of experience in financial planning and mortgage broking. He is also the founder and owner of Sufficient Funds.

Cara has been an adviser since 2012 and has won a number of awards for her work in the financial planning industry.

Jody comes from a background in financial planning, banking and consulting and holds three degrees (one in psychology and two postgrad degrees in finance.)

If you'd like to learn more about our incredible team, click here!

What other services do you provide?

We look after financial services for clients Australia-wide. Our crew are experienced and good at getting things done for you - we’re the ones you want on your team.

To get you closer to where you want to be, we offer a full range of financial services including: 

• Cash flow management and spending plans
• Life insurance and income protection 
• Super 
• Investment 
• Spending plans and debt reduction 
• Home loans 
• Investing for children 
• Tax structuring for tax effectiveness of your finances. Please note we are not tax agents.
• Referrals to other professionals such as solicitors, and accountants, as well as our in-house mortgage broker SF - Home Loans