Few things have the potential to shape our lives like money, and few are more personal.
Your earning, spending, saving, and investing plans are as unique as you are. It may be a new house, a secure retirement, or the flexibility to work less - or something entirely different.
With your vision clearly defined, we’ll build a personal financial plan to get you there. A unique strategy and plan that genuinely reflects you.
Michael Csavas, General Manager, Australian Unity Financial Advice & Personal Financial Services
As one of Australia’s oldest mutual companies, we believe our financial advice offering is unique as it is provided by a member-owned organisation. This means we invest in products and services (such as financial advice) that matter most to our members, customers and the community.
So, you can be assured that the financial advisers we employ, the advice they provide, the processes, procedures and governance they follow, have been designed with you – our client - at the core. We have invested heavily in ensuring the advice you receive, is based on a solid foundation of experience, integrity, mutuality and an overall desire to improve the wellbeing of our members and clients.
Whatever your risk profile, life stage, current financial position or future aspirations, we can partner with you to design a personal financial plan that could be life changing. We can help you with:
Before meeting with a financial adviser, it is important to think about what you want to achieve, your own specific circumstances and perhaps what is worrying you. Our advisers rely on you to be as open, transparent and clear as possible so they can ensure your plan will truly meet your needs.
One way to do this is to think about your financial goals in relation to your life stages and timing:
Our advisers will help you refine and prioritise these goals as part of the development of your unique financial plan.
We don’t simply establish a plan for you and walk away. We ensure your personal financial plan and associated strategies are revisited and revised on a regular basis. We seek to identify if anything significant has changed in terms of:
If so, we apply our ‘Gap Analysis Procedure’ to assist us in re-aligning your financial resources and your tolerance for investment risk with your lifestyle goals.
Once all of the above is discussed, we recommend modifications to your financial plan as appropriate to help ensure your plan remains on track to achieve your goals.
We then, on your approval, implement each of these modifications on your behalf.
If you’re reading this, you’re doing your research. You’ve most likely made the decision that you need financial advice – but you’re not quite sure where to start.
To help you in your decision-making process, we’ve developed some documents that you can review according to your key interest areas.
Further documents are available on each of our service pages, which you can access via the links below.
Estate planning is far more than just having an up-to-date will. It specifies how your assets will be distributed, protects beneficiaries and ensures your final wishes are observed.
Speak to our advisors for more information
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