STATEMENT OF ADVICE
Your relationship with Calnan Flack begins with meeting one of our advisors so we can understand your financial situation and your future goals. We will then prepare you a personal financial plan for you known as a Statement of Advice (SOA).
This SOA provides you with specific personal financial advice taking into account your objectives, financial situation and needs. Further, it will provide you with information about fees, commissions and any associations which may have impacted our advice.
This SOA will be presented and explained to you at a subsequent meeting. You then need to decide whether to proceed with all, some or none of the recommendations.
On an ongoing basis, an Record of Advice (ROA) may be provided instead of an SOA if there have been no significant changes in your personal circumstances or the basis of the advice has not significantly changed since your last SOA was provided.