What happens in an initial PWF consultation
If you’ve enquired with PWF, the first step is an initial consultation. It’s a goal-setting and clarity session, not a property pitch.
The purpose is simple: to help you understand where you’re heading financially, and whether you’d benefit from a structured strategy to reach your goals.
What this meeting is (and isn’t)
This meeting is:
A structured conversation about your goals, current position, and next steps
Designed to give you clarity and reduce guesswork
A chance to decide if PWF is the right fit — with no pressure
This meeting isn’t:
A property selection call
A “sales pitch”
A one-size-fits-all presentation
What we cover
Most initial consultations follow three parts:
1) Your goals and what you actually want to achieve
We start with what matters most to you — for example:
Financial security for your family
A retirement plan you feel confident in
More flexibility and options over time
Getting out of the “treadmill” of mortgage and living costs
2) Your current financial position
We’ll ask questions to understand:
Income and employment structure
Existing debt and commitments
Assets (including property, equity, and super)
Cash flow and buffers
Existing investments (if any)
This is not about judgement, it’s about gathering the data, so you and the strategist can put together a tailored strategy & plan for your specific financial situation.
3) Whether there’s a gap and what it means
For many people, this is where things “click”.
We look at whether your current setup is likely to support your goals — or whether you may need a more deliberate plan to get there.
Why we gather information early
A common reason people make poor investment decisions is because they start with the asset before understanding how this will fit in the bigger picture, in the future you are striving for.
At PWF, we start with:
your goals
your borrowing power and constraints
your risk profile and cash flow
and the right sequencing over time
That’s why the initial consultation focuses on clarity and information gathering first.
What happens after the initial consultation
After the consultation, there are usually two outcomes:
Outcome A: It’s not the right fit (and that’s okay)
If you are unable to proceed or the timing isn’t quite right on both sides, we’ll respect your decision and likewise we’ll be clear about where we stand.
Outcome B: A strategy session makes sense
If it looks like you may benefit from deeper planning, the next step is a strategy session where a strategist designs a plan based on your situation.
That plan is derived from your financial information and is expertly designed to help you understand:
what a sustainable path could look like alongside PWF
how sequencing and borrowing power may work over time to improve your wealth prospects
what risks and buffers should be considered
and what next steps make sense for your circumstances.
Outcomes depend on individual circumstances, lending policy, markets, and time — our role is to provide structure and guidance.