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A guide to choosing a Financial Planner or Financial Advisor

Updated: Jul 31, 2023

Looking for Financial Advice in Newcastle, Sydney or online? Here's how to find the right match.

FIRST, watch out for these red flags when hiring a financial planner

Christine Lusher - Wealth Advisor and Certified Financial Planner Newcastle and Sydney
Christine Lusher - Wealth Advisor and Certified Financial Planner Newcastle and Sydney
  • Boasts about exclusively serving HNW (high net worth) individuals or "high-end"(whatever that is) clients, making you feel unworthy. Despite this, still wants your business.

  • They claim they're so good at investing and have such amazing strategies that they'll give you better returns and superior outcomes.

  • Wants you to feel like you're 'family'. You'll be loved bombed into signing up and paying for ongoing advice (it's hard to fire a friend, right?).

  • Brags about the size of their FUA (Funds Under Advice), which is how much money they manage for other people. This will make no difference to you.

Here is how to choose a financial advisor

  • Ensure your chosen adviser is licenced and qualified. A Certified Financial Planner is the gold standard.

  • Double-check conflicts. Do they ultimately work for a superannuation fund or property developer? Be warned the advice may be conflicted. Advice should always be at arm's length.

  • What are the fees? Fees should be transparent and easy to understand. We believe a fixed fee is the better way to go rather than a percentage of assets.

  • Do they feel right for you? Do not be swayed by a fancy office or an overly friendly persona.

𝗛𝗼𝘄 𝘄𝗲 𝗮𝗿𝗲 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁

  • A professional, high-touch, caring service that empowers you to make your own financial decisions with the safety net of all the up-to-date financial knowledge and strategy to back you up.

  • Full clarity around super, insurance, investments and tax - and confidence that you and your family can meet your future financial goals.

  • A clear and affordable fee structure with flexible payment plans.

  • Worry-free, guilt-free time to spend with your family - and on yourself - knowing your ducks are in a row with your finances.

  • In-person meetings in Newcastle or Sydney CBD or online.

To make the most of financial advice, you need to admit you don't know it all and will benefit from a partner.

Take action and make 2023 - 2024 the year you put a long-term financial strategy in place!

One 15-min clarity call is all it takes to get started.

What you need to know

This information is provided and produced by Lush Wealth - Financial Planning Advice. The advice provided is general advice only as, in preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs, and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product.


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