<p style=”text-align: justify;”><!–:en–><strong>My question is not in the list above. How can I get an answer?</strong></p>
<p style=”text-align: justify;”>Please email your question to us at truewealth@cowealth.com.au or feel free to give us a call at (02) 9411 6686.</p>
<p style=”text-align: justify;”><strong>What should I expect in the financial planning process?</strong></p>
<p style=”text-align: justify;”>Our process begins with a “get acquainted” meeting. We will review information you provide regarding your financial situation (tax returns, insurance policies, asset statements, estate planning documents, employee benefits, etc.). We want to know about your personal goals, values, concerns, dreams, and past experiences.The financial planning process entails discovering where you are now and where you want to go. We work together to establish and prioritize objectives. We will review the problems and opportunities you face, examine alternatives and make recommendations and action steps. The last step is assisting you in implementing those recommendations. Once your initial plan is complete, we regularly meet with you to review and update your plan, assess your progress, and consider other actions that may be helpful for you.</p>
<p style=”text-align: justify;”><strong>How do I get started working with CoWealth Partners?</strong></p>
<p style=”text-align: justify;”>As a prospective client, you are encouraged to come in for an discovery consultation. We discuss your financial situation as well as our firm’s ability to help you. Most client engagements begin with a financial plan that addresses the multiple aspects of a family’s personal finances. The planning process entails 3 to 4 meetings. It is the start of a wonderful blueprint into your financial future.In some instances, where extensive analysis and planning may not be warranted, we will still engage with clients.</p>
<p style=”text-align: justify;”><strong>Am I qualified to become a client of CoWealth Partners?</strong></p>
<p style=”text-align: justify;”>Many of our clients come to us on a referral basis. They typically enjoy healthy household incomes and have investment portfolios of $300,000 or more. However, we welcome and enjoy working with clients who do not yet meet these thresholds but are on the path to reach them in the near future.</p>
<p style=”text-align: justify;”><strong>What can CoWealth Partners really do for me?</strong></p>
<p style=”text-align: justify;”>As we begin to understand you and what your financial goals are, we help you grow, protect, enjoy, and safely transfer your wealth to your chosen heirs. We will help clarify your financial objectives and desires and provide the framework to help you obtain your goals. We will review your progress and try to make sure you are on a steady course to your own financial freedom and independence.</p>
<p style=”text-align: justify;”><strong>How is CoWealth Partners compensated?</strong></p>
<p style=”text-align: justify;”>We derive our income from the financial planning fees as well as investment management fees. The fees are charged based on your level of service required and will be provided during your consultation period.</p>
<p style=”text-align: justify;”><strong>Do you guarantee any rate of return for my investments?</strong></p>
<p style=”text-align: justify;”>No, it is illegal for a wealth management firm to guarantee returns. However, we devote a lot of time, research, and experience in adopting best practices which we believe will help you meet your return goals.</p>
<p style=”text-align: justify;”><strong>Who has custody of my money when I hire you to manage it?</strong></p>
<p style=”text-align: justify;”>CoWealth Partners never has custody — physical possession or access to your money. Client assets are held at a platform in an account registered in your name and/or a tax identification number for trust accounts. On occasions we will use other managed funds, insurance or direct participation companies. Client assets are then held with those companies. We never take physical custody or possession of client assets.</p>
<p style=”text-align: justify;”><strong>Why is it important that CoWealth Partners holds itself out as a fiduciary?</strong></p>
<p style=”text-align: justify;”>CoWealth Partners is a wealth management firm that holds itself to a Fiduciary Standard which occupies a special trust and confidence when working with a client. A fiduciary is simply someone who represents your interests, even above their own interests. As a fiduciary, we are required to act with undivided loyalty to you as our client. This includes disclosure of how we are compensated and any corresponding conflicts of interest.</p>
<p style=”text-align: justify;”><strong>Do you have any disciplinary citations against you?</strong></p>
<p style=”text-align: justify;”>None.</p>
<p style=”text-align: justify;”><strong>What is your Investment Philosophy?</strong></p>
<p style=”text-align: justify;”>Our philosophy is to manage your assets in a way that works best for you. We will attempt to design your portfolio to achieve its targeted rate of return without taking on more risks than necessary. You will have your own tailored Investment Policy Statement that mandates and establishes your goals, policies and procedures. Whether your portfolio’s goal is aggressive growth or capital preservation, or somewhere in between, the guiding investment principles that we adhere to are: • Strategic and Tactical Asset Allocation provide the foundation to managing the long-term risk and return of a portfolio.. • Rebalancing portfolios on a consistent basis should reduce risk and increase returns over time. • A mandate to uphold an unbiased, objective, and advocacy roll.</p>
<p style=”text-align: justify;”><strong>Who is a typical client of CoWealth Partners?</strong></p>
<p style=”text-align: justify;”>Most of our clients are in the “accumulation” stage of their life, meaning 25-65 years old. Many of our clients are professionals, corporate executives, or owners of their own small businesses. In essence, our clients do not like to cut their own hair. They look to us as a great resource so they can achieve their financial dreams.</p>
<p style=”text-align: justify;”><!–:–><!–:zh–><strong>常見問題解答</strong>   <strong>我想問的問題沒有在下面被列出？</strong></p>
<p style=”text-align: justify;”>請電郵你的具體問題到truewealth@cowealth.com.au 或者致電(02) 9411 6686 直接聯繫我們。</p>
<p style=”text-align: justify;”><strong>我的理財知識十分有限，到底理財策劃的流程大致是如何的？</strong></p>
<p style=”text-align: justify;”>我們會首先進行一個“初步了解”的會面。其間我們會根據相關的資料（你的報稅單，保險報表，資產報表，遺產策劃文件，工資單等）評估你的“財政健康狀況“。同時我們會通過相關的提問及對答進一步瞭解你的其他情況，例如你的過往經歷，目標与夢想，價值觀，擔憂事項等。我們希望籍此幫助你發現自己的現狀及自己離理想目標的差距。接下來我們會幫你制訂一系列的待完成任務以確保你能夠在未來達到自己的理想目標。我們會指出完成這些任務所可能遇到難題并提供相應的建議，以幫助你能夠按部就班地順利完成這些任務，向自己的理想邁進。這些都會被記錄在一份理財策劃建議報告中，在我們向你作出詳細解析并徵得你同意後，我們會按照計劃幫助你實行有關的建議。請謹記，理財策劃並不是一個一次性且一步到位的事情，它是貫穿你整個人生旅程的線索。因此，我們需要定期對你的計劃實行情況進行复核，并根據你個人情況或其他客觀情況的改變對你的計劃作出調整，以確保你能夠如預期般達到自己的理想目標。</p>
<p style=”text-align: justify;”><strong>我對合富理財所提供的服務很有興趣，我應該如何聯繫你們獲取詳情？</strong></p>
<p style=”text-align: justify;”>可以發電子郵件至truewealth@cowealth.com.au，或致電我們的辦公室電話(02)94116686，預約與理財顧問面談。</p>
<p style=”text-align: justify;”><strong>我聽聞理財策劃服務的門檻很高，我不知道自己是否適合成為合富理財的客戶？</strong></p>
<p style=”text-align: justify;”>很多客戶都是通過相互介紹的方式成為合富理財的客戶的。他們大部分都擁有穩定的家庭收入及高於$300,000的可投資資產。但是，我們歡迎并享受幫助那些仍未達到此門檻但有意向此目標邁進的朋友成為我們的客戶。</p>
<p style=”text-align: justify;”><strong>成為合富理財的客戶究竟能夠讓我得到什麽？</strong></p>
<p style=”text-align: justify;”>幫助客戶“增長，保護，享受，傳承”他的財富是合富理財的宗旨。我們會幫助你厘清自己的理想財政目標并提供一套方法去實現你的夢想。我們會時刻<span class=”tw-bilingual-translation”>復審</span>你的進展并確保你在“財政自由”的道路上穩步前進。</p>
<p style=”text-align: justify;”><strong>合富理財如何收費？</strong></p>
<p style=”text-align: justify;”>合富理財將根據你所具體要求的服務內容來收費，我們亦會提供不同服務的組合收費以供參考。我們會向你詳細解析服務的內容以及對應的收費，這些內容也會被記錄在相關的文件中，在收取任何費用前，我們都需要你的書面確認，你也可以自由選擇方便自己的收費方式。</p>
<p style=”text-align: justify;”><strong>合富理財會保證我投資的收益回報嗎？</strong></p>
<p style=”text-align: justify;”>合富理財不會保證客戶投資的收益并不會作出類似保證投資收益的聲明。財富管理機構作出保證投資收益的行為是違法的。但是，合富理財投入了大量的人力資源及時間對客戶的投資作出研究及監測并擁有一套獨特的風險管理機製，我們有信心幫助客戶達到其預期的目標回報。</p>
<p style=”text-align: justify;”><strong>在我僱用合富理財管理資產期間，誰保管我的資產？</strong></p>
<p style=”text-align: justify;”>合富理財從來不會擁有客戶投資的保管權：實體上的佔有或者對你的資產戶口進行直接存取的權限 多數客戶的投資資產會被保管在所屬投資平臺的戶口中，該戶口是註冊在客戶自己個人名下的，而某些信託戶口則是以客戶自己個人作為受益人的。某些情況下我們會建議客戶使用其他基金，保險或者對某公司進行直接持股投資，此時客戶的資產就被保管在該投資相應的保管機構中。</p>
<p style=”text-align: justify;”><strong>為什麼說合富理財作為客戶的“受托管人”這一點很重要？</strong></p>
<p style=”text-align: justify;”>合富理財是一所財富管理公司，它以“受托管人”的角色幫助客戶管理財富。“受託管人”与“托管人”(客戶)間是一種特殊的信任機製。此機製在法律上對“受託管人”的要求極度嚴格，他不僅僅是客戶管理財富的代表，當他的利益与客戶利益有發生衝突的可能時，“受託管人”必須嚴格地以客戶的利益為大前提，確保客戶的利益。因此，作為“受托管人”，合富理財必須就如何對客戶作出收費，如何在發生利益衝突時保障客戶利益等情況對客戶保持最高的透明度。</p>
<p style=”text-align: justify;”><strong>你個人之前有受到任何法律上的指控或其他類型的處分嗎？</strong></p>
<p style=”text-align: justify;”>無。</p>
<p style=”text-align: justify;”><strong>合富理財的投資理念是什麽？</strong></p>
<p style=”text-align: justify;”>我們的投資理念是：以最適合你的方式管理你的投資。我們致力於構建一個在承擔盡可能低的風險下達到你的預期回報的投資組合。 你會獲得一份為你度身訂做“投資策略綱領”，它記錄着你投資的目標，策略以及有關限制等，以幫助確保今後策略的一致性。無論你追求是十分進取的高資本增值或是保本為上，或者在兩者之間，我們都遵循着下列的投資原則：</p>

<ul style=”text-align: justify;”>
<li>戰略性資產配置及策略性資產配置是管理投資組合長期風險與回報的基石</li>
<li>持續地實行“回歸均衡”策略能有效地降低投資組合的風險并改善長期回報</li>
<li>保持“中立，客觀，支持”的態度</li>
</ul>
<p style=”text-align: justify;”><strong>合富理財典型的客戶?</strong></p>
<p style=”text-align: justify;”>我們的客戶涵括全部年齡段及不同背景，大多數客戶正處於人生旅程的“積累”階段：25-65嵗。很多客戶是專業人士，企業高管與及小型企業的老闆。更重要的是，我們的客戶樂於從繁複的財政管理事務中抽身，在我們的幫助下更好地向自己的夢想邁進。</p>
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