Boutique Life - Helping You

Making the right decisions about your finances has never been so important. At Boutique, we believe that the easiest way to make money is to avoid making financial mistakes. Seeking planning services from a lifestyle and financial planner can create a benefit that reaps rewards far in excess of the costs involved. Valuable planning advice often goes beyond dollars and sense as it can provide intangible benefits such as:

- Peace of mind and security in being prepared for the future
- A helping hand in times of personal upheaval e.g redundancy, health issues
- A clear sense of direction when we arrive at one of life's crossroads e.g changing employment,
buying a home, starting a family
- Plan for unforeseen events

Importantly, the value of planning advice isn't exclusive to the wealthy as we all have the potential to build financial independence. Sometimes it just takes a partnership with a trusted lifestyle and financial planner to help you reach your potential. Valuable planning advice can help you :

- Set and attain your lifestyle and financial objectives
- Control your debt and cashflow
- Minimise tax
- Grow your wealth
- Retire comfortably
- Ensure that your family is protected
- Access government benefits

Click here to view examples of the value of advice

At Boutique we believe that everyone should have a lifestyle and financial roadmap no matter what stage in life you are at. This helps ensure that people are prepared for the future. In reality, most people choose to seek advice only after a significant turning point in their life such as:

- Starting work/changing jobs e.g looking at superannuation options
- Getting married e.g saving for a home
- Starting a family e.g saving for education costs, protecting the family
- Planning to retire e.g repaying the mortgage, building wealth
- Redundancy
- Inheriting money

At Boutique, we pride ourselves on: - Helping clients identify and achieve what they want out of life - Providing trusted and affordable planning advice - Helping clients take control of their lives and finances - Increasing financial literacy to minimise financial mistakes and risks - Transparent fees linked to the level of service and value of our advice
The table below highlights how we are different to many traditional financial planning businesses.

	Traditional Financial Planner	BFPS - Lifestyle and Financial Planner
Aim	Sell you a product to satisfy a need. Believe that their value added is product selection.	Our product is advice. We aim to help you get what you want out of life by setting realistic goals aligned to your life vision, implementing valuable strategies aligned to these goals and monitoring your progress.
Fees	Usually linked to the funds that you invest which may not be transparent and not linked to the value of advice and/or level of ongoing service. Fees are usually at their highest when they add the least value e.g pension phase.	Unique fee for service structure linked to the value of advice and your choice of ongoing service package. We rebate commissions from investments and debt.
Scope	May be limited to certain strategies. May just be an order taker/product placer.	We provide both lifestyle and financial planning advice. We use a comprehensive strategy checklist and projection tool to unlock all opportunities.
Service	May have thousands of clients and can't physically review everyone. Usually limited to an investment review service.	We purposely limit the number of clients per planner in order to build successful lasting relationships. You get to choose the service package that suits your needs. We monitor your progress towards your stated goals.

Our process consists of 6 steps which aim to help you get what you want out of life:

We engage the services of specialists, if required, depending on your specific advice needs.

Initial Consultation	At our expense
Initial Strategic Advice, Lifestyle & Financial Roadmap Preparation and Implementation Fee	Amount depends on complexity All upfront commissions from investment and debt recommendations rebated back to you where possible We may receive upfront/ongoing commission from insurance
Ongoing Service Offering*	Package 1 - $110 pm (incl GST) plus value of advice fee* Package 2 - $220 pm (incl GST) plus value of advice fee* Package 3 - $440 pm (incl GST) plus value of advice fee* Fee covers review appointments, statements of further advice and performance report. Frequency will depend on package selected All ongoing commissions from investment and debt recommendations rebated back to you where possible

* Ongoing fee may be tax deductible. Value of advice fee will be advised at the strategic choices meeting.
This fee may be altered at review in the event of a major change to your financial position.

1. Why seek advice?

2. When to seek advice?

3. Why seek advice from Boutique?

4. Boutique's advice process

5. Our specialist partners

6. Fees