Our Planning Process
A structured approach designed around your needs
Get to know our comprehensive methodology for financial planning. We follow a proven process that ensures thorough analysis, personalized recommendations, and ongoing support. This structured approach combines detailed assessment with flexible adaptation to your unique circumstances, creating strategies that work specifically for you.
Meet Our Team
Get to know the experienced professionals dedicated to your financial success
Our team combines deep industry expertise with genuine commitment to client outcomes. Each member brings unique strengths, creating a collaborative environment focused on delivering exceptional service.
With decades of combined experience in financial planning, we understand the Australian market, regulatory environment, and diverse client needs.
Michael Harrison
Principal Financial Planner
Michael founded tilenquora with a vision for client-centered financial planning that prioritizes transparency and personalized service.
With over 20 years in financial services, Michael specializes in retirement strategies and comprehensive wealth planning for Australian clients.
“Financial planning succeeds when clients feel genuinely heard and thoroughly understood.”
Certified Financial Planner designation
Financial Planning Association member
Industry excellence award recipient
Sarah Mitchell
Senior Financial Consultant
Sarah brings extensive expertise in superannuation optimization and tax-efficient planning strategies for Australian professionals and families.
With 15 years of experience, Sarah excels at translating complex financial concepts into clear, actionable recommendations that clients genuinely understand.
“Clarity and confidence come from understanding your options completely.”
Advanced Diploma in Financial Planning
Superannuation specialist certification
David Wong
Risk Management Specialist
David focuses on comprehensive risk assessment and insurance planning, helping clients protect their financial foundations while building for the future.
With 12 years of specialized experience, David identifies vulnerabilities others miss and develops robust protection strategies tailored to individual circumstances.
“Protecting what you've built is as important as growth.”
Certified Insurance Advisor designation
Risk management qualification
Client service excellence recognition
Together, we provide comprehensive support throughout your financial planning journey.
Our Six-Step Planning Process
Get to know the comprehensive methodology we follow to develop personalized financial strategies. Each step builds upon the previous, creating a thorough foundation for your financial future.
Initial Discovery Meeting
We begin by learning about your current situation, financial goals, concerns, and personal values. This foundational conversation helps us understand what matters most to you.
Step Objective
Establish clear understanding of your current financial position, objectives, risk tolerance, and expectations for the planning relationship.
Our Actions
During this meeting, we discuss your current assets, liabilities, income sources, expenses, and financial obligations. We explore your short-term and long-term goals, family circumstances, career trajectory, and retirement aspirations. We also address concerns, past experiences with financial planning, and what you hope to achieve through our consultation.
Implementation Approach
Through structured yet conversational dialogue, we create a comfortable environment for open discussion. We ask thoughtful questions, listen carefully to your responses, and take detailed notes. We explain our process, discuss our approach, and ensure alignment between your expectations and our services. This meeting typically lasts 60 to 90 minutes and can occur in person or virtually.
Resources Used
Discovery questionnaires, goal-setting worksheets, risk tolerance assessments, and preliminary financial fact-finding documents.
Expected Outcomes
Comprehensive understanding of your situation documented in our system, clear objectives identified, and mutual agreement on next steps.
Data Collection and Verification
We gather detailed financial information and supporting documentation to create an accurate picture of your current position and verify all relevant details.
Step Objective
Compile complete and accurate financial data necessary for thorough analysis, ensuring no important details are overlooked in subsequent planning stages.
Our Actions
We request and review superannuation statements, investment account details, insurance policies, mortgage documents, tax returns, estate planning documents, and other relevant financial records. We verify account balances, contribution rates, insurance coverage levels, debt obligations, and income sources. We also collect information about employer benefits, government entitlements, and other financial resources available to you.
Implementation Approach
We provide a detailed checklist of required documents and information. As you submit materials, we review them for completeness and accuracy, following up on any missing items or clarifications needed. We organize all information systematically in secure systems, ensuring confidentiality and accessibility for analysis. We maintain communication throughout this phase to address questions and keep the process moving efficiently.
Resources Used
Document checklists, secure file transfer systems, verification protocols, and comprehensive data organization software.
Expected Outcomes
Complete financial profile documented with all supporting evidence, verified account information, and organized records ready for analysis.
Comprehensive Financial Analysis
Our team conducts thorough analysis of your financial situation, examining all components and their interactions to identify opportunities, risks, and areas requiring attention.
Step Objective
Develop deep understanding of your financial landscape through detailed examination, identifying strengths to leverage and weaknesses to address.
Our Actions
We analyze your current asset allocation, superannuation performance, insurance adequacy, debt structure, tax efficiency, estate planning provisions, and retirement readiness. We project future scenarios based on various assumptions about market returns, inflation, contribution rates, and retirement timelines. We assess whether current strategies align with stated goals and identify gaps requiring attention. We also evaluate risk exposures and protection needs.
Implementation Approach
Using sophisticated financial modeling software, we create comprehensive projections and scenario analyses. We compare your situation against industry benchmarks and best practices. We consider Australian regulations, tax implications, superannuation rules, and age pension eligibility. Multiple team members review findings to ensure thoroughness and accuracy. We document all observations, calculations, and preliminary recommendations for presentation.
Resources Used
Financial planning software, projection modeling tools, superannuation analysis platforms, risk assessment frameworks, and comparative benchmarking databases.
Expected Outcomes
Detailed analysis report documenting current position, projected outcomes under various scenarios, identified opportunities and risks, and preliminary strategy recommendations.
Strategy Development and Recommendations
Based on analysis findings, we develop personalized strategies and specific recommendations tailored to your circumstances, goals, and preferences.
Step Objective
Create actionable, personalized recommendations that address identified opportunities and risks while aligning with your objectives and risk tolerance.
Our Actions
We develop specific recommendations covering superannuation optimization, asset allocation adjustments, insurance coverage changes, debt management strategies, tax efficiency improvements, estate planning updates, and retirement income approaches. Each recommendation includes clear rationale, expected impact, implementation requirements, and ongoing maintenance considerations. We prioritize recommendations based on importance and urgency, creating a logical implementation sequence.
Implementation Approach
Our team collaborates to develop strategies that integrate all aspects of your financial life cohesively. We ensure recommendations are realistic given your circumstances and resources. We consider implementation complexity, cost implications, and time requirements. We prepare clear explanations suitable for presentation, avoiding unnecessary jargon while maintaining accuracy. We also prepare supporting materials, projections, and comparisons to illustrate potential outcomes.
Resources Used
Strategy development frameworks, recommendation templates, presentation software, projection models, and implementation planning tools.
Expected Outcomes
Comprehensive strategy document containing prioritized recommendations, detailed explanations, projected impacts, implementation requirements, and supporting analysis.
Presentation and Discussion
We present our findings and recommendations in a comprehensive consultation, explaining each component clearly and addressing your questions thoroughly.
Step Objective
Ensure you completely understand our recommendations, their rationale, expected outcomes, and implementation requirements before making any decisions.
Our Actions
During this detailed meeting, we review analysis findings, explain identified opportunities and risks, and present each recommendation with supporting rationale. We use visual aids, projections, and examples to illustrate concepts clearly. We encourage questions throughout and provide thorough explanations. We discuss implementation priorities, timelines, costs, and ongoing maintenance requirements. We also address concerns and modify recommendations based on your feedback.
Implementation Approach
We schedule sufficient time for unhurried discussion, typically two to three hours. We present information in logical sequence, building understanding progressively. We check comprehension regularly and adjust explanations as needed. We provide written materials you can review afterward. We discuss next steps and obtain your input on which recommendations you wish to implement. Follow-up meetings can be scheduled if additional time is needed for consideration or questions.
Resources Used
Presentation materials, strategy documents, projection illustrations, comparison charts, and implementation timelines.
Expected Outcomes
Clear understanding of all recommendations, documented decisions on implementation priorities, agreed action plan, and written strategy document for your records.
Implementation and Ongoing Review
We assist with implementing approved recommendations and establish an ongoing review schedule to ensure your plan adapts as circumstances evolve.
Step Objective
Successfully implement agreed strategies and maintain plan effectiveness through regular monitoring, reviews, and adjustments as needed over time.
Our Actions
We coordinate implementation of approved recommendations, assisting with paperwork, applications, transfers, and other required actions. We communicate with product providers, super funds, insurers, and other parties as authorized. Once implementation is complete, we schedule regular reviews to assess progress, discuss life changes, address concerns, and adjust strategies accordingly. We also remain available between scheduled reviews for questions or significant changes requiring attention.
Implementation Approach
We provide clear implementation instructions and handle administrative complexities wherever possible. We track progress and follow up on outstanding items. We schedule annual reviews or more frequently if circumstances warrant. During reviews, we update information, reassess goals, analyze current position, and recommend adjustments. We communicate proactively about regulatory changes or market developments that may impact your situation. We maintain detailed records of all interactions and decisions.
Resources Used
Implementation tracking systems, review scheduling software, progress monitoring tools, communication platforms, and updated analysis capabilities.
Expected Outcomes
Successfully implemented strategies, established review schedule, ongoing monitoring of plan performance, regular communication, and adaptive recommendations as circumstances change.
Service Approach Comparison
| Approach Element | Traditional Services | Online Platforms | tilenquora Method |
|---|---|---|---|
| Initial consultation depth | Brief | Automated | |
| Personalized strategy development | Limited | ||
| Direct advisor access | Occasional | ||
| Implementation support provided | Minimal | ||
| Regular plan reviews | If requested | Automated only | |
| Communication style clarity | Technical | Generic |