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The Corporations Act requires that recommendations made to clients are consistent with the person's financial needs and objectives and are made on a reasonable basis. The information that we provide on this website is of a general nature only. It is not intended to be, nor should it be relied upon as, financial planning advice. We can only offer our advice to you after meeting with you and gaining a thorough understanding of your personal circumstances and objectives. We only provide our advice in writing, after careful consideration of these and other factors.

Financial Services Guide (FSG)

We offer a variety of integrated financial planning services, for which we are professionally qualified and accredited, including:

• We offer a complete service for Self Managed Super Fund (SMSF) trustees. You can  learn more about SMSFs here.
• Retirement planning
• Financial planning following redundancy
• Diversified and tax effective investment planning
• Home loans and how to structure debt
• Savings and wealth creation strategies
• Access to cash, fixed interest, property and share investments
• Master trust services
• Superannuation and rollover investment services
• Personal Budgeting
• Risk and insurance analysis
• Estate planning

Only products approved by GWM Adviser Services Limited’s research team can be recommended. A copy of the Authorised Product List can be supplied to you upon request.

For those of you who have never consulted a financial planner before, we would like to outline the process that we go through when meeting new clients for the first time.

Financial planning is the process of meeting your life goals through the proper management of your finances. Your life goals could include buying a home, saving for your children's education, managing debt or planning for retirement.

Financial planners use a six-step process that helps you take a 'big picture' look at where you are and where you want to be financially. Using this process they help you work out what you need to do now and in the future to reach your goals.

The six steps of the financial planning process are:

1) Gathering your financial data - such as details on your income, debt level, commitments, etc.

2) Identifying and understanding your goals.

3) Identifying any financial issues - eg. deficiencies between where you are now financially and where you want to be.

4) Preparing your financial plan - which will identify recommended strategies and investments; and will address your attitude to risk.

5) Implementing your financial plan.

6) Reviewing and revising your plan - to ensure it stays up-to-date and relevant to the economic climate and your changing lifestyle.

Once you become a client of CCFM Financial Group, you can expect a high level of personal ongoing service which includes all of the following:

• Ongoing personal attention – you will always be able to contact us or talk to us if you need to.
• Ongoing communication.
• Dedicated client services team.
• Scheduled face to face reviews.
• Client Briefings with expert speakers on a range of topics.

The information contained on this website is provided in good faith. While the contents are obtained from various sources that are deemed reliable, it is not guaranteed as accurate or complete and should not be relied upon as such. It is recommended that you seek independent, professional advice before acting to ensure that your personal needs and circumstances are considered and met.

GWM Adviser Services Limited ABN 96 002 071 749 - AFS License No.230692

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