Frequently Asked Questions & Answers

Have a look at frequently asked questions & answers to understand more.
As we are quite young for the average age of financial planners and mortgage brokers in the industry we see this as an advantage. We are excited about how we can establish and maintain a relationship with our clients now and continue to help clients navigate through life decisions for many years.

We are also able to utilise modern technologies to help develop appropriate strategies for you and utilise these technologies to educate about how the advice can add value to your lives.

MJ Financial Chiefs can help you with many complex financial matters to ensure you make the right decision for your financial security. Such as:

- Retirement planning
- Pre-retirement planning
- Superannuation
- Estate planning
- Insurance – life, trauma, income protection and disability cover
- Investing and investment advice
- Wealth creation and management
- Debt management
- Aged care

Ring or e-mail either Justin or Michael to tell us the areas in which you’re looking for advice. We will be able to establish a time that suits you and inform you of what information you will be required to have available for the meeting.
We are able to come to a location that best suits you to fit around your prior arrangements. Appointments may take place in your home, at a local café or via video call which has become very popular since COVID lockdowns.
To give you a sense of the current timeframes, we would expect a standard financial plan to
proceed as follows:

- Welcome 1 week
- Research 2 weeks
- Delivery 1 week
- Implementation 2-4 weeks depending on complexity

Normally your first consultation is free. If we establish a need for our services to be provided to you, the costs associated with our advice we will be discuss with you where you can then decide whether or not you’d like to proceed.
Our fees range, depending on the type of advice and support you require.
You can contact your adviser as little or as often as you would like. We encourage you to call if you have financial queries and book review meetings with your Adviser.
Any information you can provide to us before the meeting will help to provide some context
for our conversations.

Most clients provide the below as a starting point:
- Your Goals, Plans and Dreams for the next 1 / 3 / 5 / 10 / 20 years
- What areas of your financial situation do you feel you are doing a great job?
- Are there areas of your financial situation that you feel you could be doing better?
- Have you had any experience investing previously?
- What other experts do you currently use? (eg Mentors, Accountants, Brokers, Lawyers, Agents)?
- What are your current revenue and income streams?
- Details of your assets
- Details of your loans and credit cards
- Do you currently have any personal insurances (eg Life, TPD, Income Protection)?

- ID – Drivers License or Passport
- Recent payslips
- Recent bank or mortgage statements
- Your current Budget if you have one already
- Recent superannuation or personal insurance statements