Welcome to Ross Johnston Financial – the home of professional financial and investment advice for Australians seeking a financially secure future
Your financial wellbeing is our focus
Our financial advice philosophy is based on mutual understanding between our clients and us.
We will take the time to understand you – your situation, your needs and your aspirations. Then we will help you define your financial goals, and your vision of a secure financial future.
And then, working side by side, we will develop a financial plan which will help you reliably achieve your goals.
Importantly, your financial plan will not be a pre-packaged solution. It will be tailored to your individual requirements to ensure you make best use of your financial resources now, and in the future.
And if your financial goals change along the way, or if the legislative or investment framework in which we work changes, we will modify your plan accordingly to keep you on track.
For more than 30 years, Ross Johnston* has been helping Australians create financially secure retirements through prudent investments and high quality strategic advice.
We’ll be with you every step of the way
Importantly, our initial advice isn’t a ‘set and forget’ service. Once your plan and investments are in place, you can choose to take advantage of our comprehensive, premium Private Client Ongoing Service.
This service is designed to ensure that every aspect of your financial plan and investment portfolio is reviewed at appropriate intervals, and you are regularly kept informed of their progress with reports and reviews, and meetings with your financial adviser.
You can be assured that our focus is on keeping your plan and investments on track… and on securing your overall financial wellbeing. So you can get on with enjoying your life without having to worry about your finances.
Expert advice coupled with extensive ongoing service
We specialise in providing professional strategic advice to help you improve your current financial position and ultimately achieve your long term lifestyle goals.
Our team of experienced financial professionals can provide you with a detailed and totally tailored blueprint for financial success, whether you are in the workforce, self-employed, about to retire or already retired.
Retirement Planning
If you are about to retire or already retired, we can help you arrange your finances to help you build a retirement income which is reliable and tax effective…
More
Superannuation Planning
We will review all of your superannuation arrangements to check if they will ultimately satisfy your retirement goals…
More
Investment Planning
If you have a lump sum to invest or you wish to invest regular savings or superannuation contributions…
More
Redundancy Planning
We can help you invest your payout to meet your short term needs, as well as providing for your eventual retirement...
More
Wealth Planning and Protection
We can help you develop investment strategies to build wealth prudently and tax effectively to help you become financially independent…
More
Estate Planning
We can advise you on how to arrange your financial affairs to achieve an efficient and tax effective distribution of your estate after your death...
MoreOur unique ‘Gap Analysis Procedure’ puts you in control
Everyone has lifestyle and financial goals which are unique to them. It’s why everyone needs a financial plan which is tailored to their individual requirements.
Central to your financial plan will be a set of decisions that are yours alone. One of the most important of those decisions is the trade-off you may need to make in regard to your current and future lifestyle versus your tolerance for investment risk.
This conflict arises when the achievement of your lifestyle goals requires an asset allocation which has investment risk characteristics (i.e. the fluctuating nature of investment returns) which exceed your tolerance for risk.
It is a mis-match which must be rectified.
This is where you are in control. With the help of our ‘Gap Analysis Procedure’ you can choose to either:
- Extend your investment time horizon; or
- Lower your lifestyle goals; or
- Increase the level of your regular savings; or
- Learn more about investment risk so you can adopt a higher risk tolerance profile (which should give you a higher return); or
- A combination of these.
We will work with you to help you reach a compromise which gives you comfort on all fronts. You need to have lifestyle goals which will allow you to enjoy life now and in the future. And you need to employ an asset allocation model which will not cause you undue concern due to fluctuating investment returns.
To help you create a secure financial future, we employ our disciplined 8-step financial advice process
