WELCOME TO ALWAYS FINANCIAL!
YOUR NEWCASTLE BASED FINANCIAL PLANNING OFFICE

Financial planning as an industry is well constructed and strictly regulated. As a licensed Financial Adviser, we are able to make a difference. Furthermore, the task of financial planning in our fast-paced society has never been more important, and as a result has never been more complex.

What you spend, or what is contributed on your Insurance and Super needs, over your working life, is likely to be second only to the outlay on your home mortgage.

As Financial Planners, we feel that this should influence your decision to access financial advice.

Contrary to what’s often advertised, advice helps. We see first hand that individuals are driven towards lower fees. We regularly see cases where the understanding of what’s included, is often mistaken.

Financial Planners have the experience and product understanding that comes with years of training and experience. Insurance is a matter of lots of fine print, that’s complicated through definitions, exclusions, and conditions.

The question we all should be asking is NOT “Did I get what I paid for?“, but rather, “did I get all I wanted or, in fact, what I needed?”.

Whilst there is no shortage of providers and our superannuation balances continue to grow, it appears to many that their needs have been satisfied with a single phone call or a short email.

Often and sometimes tragically, it simply will not be the case. As our population grows older, we will become more dependent on our savings to supplement our lifestyles. Whilst most of us will get to retirement, there will be situations that you may want to provide for along the way.

If given the opportunity, I can make sure, at the very least, that you know what you’ve got and get what you paid for.

FINANCIAL PLANNING

WHAT ELSE DO WE PROVIDE?

Free Look

If you would like to discuss your financial planning options, we offer you (all) the opportunity of having that initial discussion, confidentially and without charge. This approach offers you the security of actually being able to measure the value that we might make for you.

You do not have to meet fees out of pocket

Whilst a financial planner charges a fee for his service, these costs are established up front can be tailored to meet your financial requirements and/ or can be met from commissions or fees paid from the insurer or fund manager. Importantly you get to decide on our costs and they do not have to be met personally out of pocket.

Matching service with expectation

Our passionate financial planning team work with you in an elected area or facet, whichever may be required, to best serve your financial well-being. We can meet for any number of reasons, whether it’s to determine the value of an insurance policy, review existing cover or determining the suitability of an investment, our role is to assist you.

Who should contact us?

We provide assistance to employed and self-employed people, in addition to those in small business. We have an understanding of the benefits and limitations of insurance and superannuation, taxation, estate planning, and retirement. So whether you’re 18 or 85, you may also have a matter that you wish to discuss as a result of your circumstances.

What role does a financial planning licensee provide?

We are a small financial planning business aligned with Charter Financial Planning. They provide us with our technical, product and legislative back office so that every specialist requirement that we may need to satisfy your particular needs can be confidently supplied. Visit Charter Financial Planning on the web at http://www.charterfp.com.au

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