Client Profile

Cornerstone Wealth provides 3 different levels of service to 5 broad client groups in order to meet the specific needs of each individual client.

Client Type	Attributes	Needs
High net worth	Professionals, business owners or previous business owners. Resources rich and time poor	Timely service not time intensive service
Retired	Consistent financial situation. Regular support. Wealth transfer issues.	Withdrawals. Pension recalibration. Centrelink support.
Pre retirement / transition to retirement	Expenses low or falling. Mortgage paid. Focusing on retirement or semi retirement.	Transition to retirement strategies. Ongoing monitoring. Salary sacrifice.
Accumulators	High expenses. Paying off a mortgage. Children’s education.	Insurance. Knowledge of family support. Investment structures.
Balance the Budget / pay off debt	Financial literacy low. Struggles to balance the monthly budget and pay off debt.	Budgeting skills & support. Insurance.