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Financial planning for managed or shared property — Financial adviser — Professionals
Provide the defined financial planning or budget advice for the identified client. Separate administration, reserves and any regulated advice; do not infer an investment or money-handling mandate.
Service scope
Agreed financial planning or budget-related advice for an identified shared-property organisation or management client. The adviser distinguishes administrative budgets, reserve planning and any regulated financial advice, while stating who owns the funds and what authority is granted.
What is normally included
- Establish the client, funds and planning objective
- Prepare the agreed budgets or financial-planning outputs
- Explain assumptions and decision responsibilities
What is not included
- No automatic investment or handling of owner funds
- Assuming authority over owners' funds
- Universal investment of maintenance reserves
- Unreviewed handling of client money
Qualification checks
- Confirm the client and funds owner
- Confirm the budgeting, reserve planning or regulated advice
- Confirm the professional scope and mandate
- Check that the information belongs to the stated client and is suitable for the agreed planning work
- Confirm whether any proposed activity requires a separately qualified adviser rather than administrative budgeting
Quote guidance
Price the specified plans, analysis and meetings. Keep transaction execution, investment services and handling client funds outside the engagement unless separately established.
Lead risks
- Unclear ownership of funds can lead to an inappropriate planning mandate
- Investment advice and routine budgets are different scopes
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