Everyone is able to seek financial planning advice. Investments can start for as low as $1000 or $150 a month. If you need help with your debt, mortgage or superannuation, your financial adviser has the training and expertise to help you manage it and make the most of it.
Independent financial advice means your adviser is not restricted on what they can recommend to you. They are not aligned with a financial product or service.
To achieve your goals, your adviser will be able to provide advice on every investment product from the full range of providers on the market.
Although we are not ‘independent’ in the true sense of the word, neither are we bank aligned. Our approved product list as guided by Consultum Financial Advisers is broad enough to place your funds in a method that is in your best interest.
There is no obligation at the initial consultation. Our job is to talk about your financial situation and your goals, needs, and objectives (personal and financial). Your financial adviser will use this information to research and produce a financial planning outline that will detail the most suitable strategies/plans. This will include detail of the costs, and which ongoing service package best suits your needs.
If you agree to proceed, a Statement of Advice (financial plan) will be produced and another face-to face consultation will be arranged where all fees, charges and cooling off periods will be explained in detail. Please refer to our services page for an indication of fees based on the service packages.
Investment risk can be defined as the probability or likelihood of occurrence of losses relative to the expected return on any particular investment. Stating simply, it is a measure of the level of uncertainty of achieving the returns as per the expectations of the investor.
Every client will have his/her financial plan and investments matching his/her risk profile–this simply means your preferences on risk. No risk (capital stable) to high risk (high growth).