True financial advice is not a product but a tool to ignite conversations about your most meaningful aspirations.
"We've been very pleased with Chintan Engineer and the team at Diligent Financial Planning to date. The advice, responsiveness and communication has been outstanding and we're confident in the plan developed for us."
How We Think
Financial planning is an ongoing process—one that evolves with your life. We’re here to provide clarity, structure, and guidance at every stage, so you can make decisions with confidence and move forward with a sense of purpose.
Our advice process
Here's what working with us looks like, step by step.
Step 1
Discovery session
What we do
A conversation about who you are, what matters, and where you want to go. There's no obligation, and no jargon.
Your benefit
Find out if we're the right fit — before anyone commits to anything.
Step 2
Letter of engagement
What we do
Before any work begins, we put everything in writing — the scope of our advice, our fees, and exactly what you can expect from us.
Your benefit
You know what you're signing up for before you sign anything. No surprises.
Step 3
Data collection & analysis
What we do
We gather the full picture of your financial situation — assets, debts, income, super, insurance, tax position. Done via meeting or Teams, whatever suits you.
Your benefit
The more we understand, the better the strategy. This is what separates good advice from generic advice.
Step 4
Strategy & advice presentation
What we do
We present your Statement of Advice — a personalised document laying out our recommendations and the reasoning behind them. We walk you through it and welcome questions.
Your benefit
A clear, practical roadmap built around your goals — not a product brochure.
Step 5
Implementation
What we do
Once you're comfortable and give us your Authority to Proceed, we take care of putting the plan into action. We handle the paperwork and keep you informed.
Your benefit
You don't have to chase anyone or figure out what comes next — we manage it.
Step 6
Post-implementation review
What we do
A short while after implementation, we check in to confirm everything is in place and nothing has slipped through the cracks.
Your benefit
Peace of mind that the plan has actually been executed as intended.
Our focus areas
Financial Independence
Building a complete financial roadmap aligned with your life goals
Tax Strategy
Legally minimising tax and improve after-tax returns
Education Planning
Setting goals for your children and grandchildren with our support
Investment Management
Constructing diversified, low-cost portfolios designed for long-term success
Aged Care Planning
Navigating aged care costs, funding options and financial decisions
Retirement Planning
Knowing exactly when you can retire — and how to get there
We love what we do, giving you the freedom to do what you love.
If you are confident that you are being well looked after, you will have the time and space to concentrate on all the other important aspects of your life: your family, your interests, your work, YOU.
Create a Fulfilling Life 