How Our Consultation Works

During the first stage, we focus on building a profile that includes your current financial background and your short-term and long-term targets. This includes discussing previous decisions, your expectations, and your willingness to take on various levels of risk. All information you provide is treated confidentially and is never used to market unrelated products. The objective is to form the foundation for clear, personalised advice that reflects your circumstances rather than a one-size-fits-all approach.

To assist you accurately, we collect only the minimum necessary data, such as relevant application forms, identification details, and consent for the consultation. All personal information is stored under strict security measures and handled in compliance with Australian privacy regulations. No information is shared with outside parties without your specific written consent, except as required by law. Transparency about how and why your data is used is a core principle throughout this phase.

Once your information is assessed, our team reviews recent market trends and examines relevant data sources. We then organise a direct consultation, either virtually or in person, where we share findings, explain APR rates and applicable fees or terms, and discuss potential options. This is your opportunity to ask questions, gain clarity, and receive guidance that supports your objectives. Our role is to help you understand the context clearly, not to sell any products.

After the consultation, you will receive a clear summary including the main points discussed, relevant terms (such as APR where relevant), and responses to your questions. We are available for follow-up clarifications whenever you need them. There is no obligation to act on our recommendations, and all steps are optional. Results may vary and past performance doesn't guarantee future outcomes. Our primary goal is to support your understanding and decision-making confidence, every step of the way.