New Zealand

Paraplanning Direct Principal, Brigitte Julien got reacquainted with New Zealand[c1] , the little treasure island right on our doorstep, last October.

The trip started in the North Island as we landed in Auckland.  The Hop and Off Bus took us to the main sights.   The adventure began with our drive to Paihia, in the Bay of Islands.   The views across the green islands and the turquoise colour of the waters from the Retreat prompted us to say some extra days.  Our wonderful hosts went the extra mile to make us welcome.  The Bay of Islands will remain one of the highlights of the trip…. a spot to rest, walk and be…

We took a cruise run by Explore to discover the Hole in the Rock and much to my disbelief, the boat even travelled through the Hole.   I kept saying to myself : “ No way, our boat is too big to go through”  but we did.   The barbecue lunch at Otehei Bay, Urupukapuka Island  was a surprise.  We were not expecting the outstanding smorgasbord of BBQ meat and salads.  Our guide entertained us with anecdotes of the Bay and provided us with an insight in the marine and birdlife.   As we did not spot any dolphins, we were given a return ticket.


A visit in this part of the world would not be complete without visiting the Waitangi Treaty Grounds and getting immersed in the history of New Zealand, the very spot where the founding document of the island was signed. The authentic Maori cultural performance brought vibrancy to this beautiful spot over the water.

We then journeyed by train from Auckland to Wellington where we took the ferry across the Cook Strait to the South Island.  We could not have wished for better weather as we cruised through the Malborough Sounds among the dinosaur shaped islands with the sun blasting and blue skies adding to the deep blue hue of the ocean.

The South Island was a delight, starting with picturesque Picton with its beautiful seafront and marina.   Abel Tasman National Park with its turquoise waters and myriad of dolphins was a success despite the  huge clouds looming all morning.   The  Tranzalpine scenic ride from Greymouth to Christchurch provided many  “Wow” moments, with snow capped peaks and glacial rivers storming past in deep gorges.


Queenstown, the adventure city of New Zealand.. whether it is bungy jumping, sky diving, jet-boating mountain biking, skiing or snowboarding.. this majestic town nestled on the shores of Wakatipu Lake has got it all and does not stop attracting visitors from all over the world.  Cruising on Lake Wakatipu on the Earnslaw Steamship offered breathtaking scenery and we had a gourmet lunch at the Walter Peak Farm.


New Zealand… a place to be one with nature where majestic scenery awaits on every corner.   We were graced with beautiful weather for most of the trip and even blessed with overnight snow across the Remarkables while in Queenstown.  So I am keen to go back and explore some of the trails.. maybe the Queen Charlotte Track and Abel Tasman Track .  I cherish warm memories of the  Routeburn and Greenstone Track that I hiked a few years ago.   But then why not Te Araroa, the 3000 kilometres trail from Cape Reinga, the tip of the North Island to Bluff, the tip of the South Island…makes one ponder on the possibilities!!



Is your home loan like this prickly cactus?”

cactusA recent survey of 1000 home owners by a very well-known broker chain showed that 40% had never refinanced – 19% had not refinanced in more than 5 years- 6% had refinanced 4-5 years ago- 8% had done so 3-4 years ago and 10% had between 2-3 years ago.

In a lending environment where rates are low- an outstanding 83% of Australians with a home loan had not refinanced in the past 2 years.

Using the analogy of a cactus-my question is – is your home loan like a prickly cactus? You put it in the corner and forget about it because if you have to change it, it will mean hassle- paperwork- more hassle- you do not know where to start- then, there could be fees that you do not understand- all those prickly spines causing you pain when you touch them….

The worst is — you believe your home loan is no longer suitable for you-

  • All the adverts on TV are showing an interest rate way lower than yours.
  • Your circumstances have changed (you had a baby – changed your job and got a big increase in salary)
  • You want extra features like an offset account or a redraw facility.
  • Your Fixed rate (from 3 years ago) is coming to an end
  • You have rocked up a high credit card when you were made redundant and would like to consolidate that debt.
  • You have equity in your home and are thinking of buying an investment property.
  • You are thinking about undertaking some renovations on your house.


Like the cactus outgrowing its pot and needing some extra sunshine- your mortgage is no longer a fit and needs a review!

Let’s take an example – consider a $400,000 loan at 4.79% — repayments for the next 25 years will be approximately $2,290 pm- BUT if you can refinance to a more competitive rate of 3.79% then your repayments will decrease to $2,065- a healthy saving of $225 pm and $67,332 over the 25 years. (Assume no fees in both loans).

Before deciding to refinance, you should make sure the potential benefits to you outweigh the cost of finishing one loan and starting another. Generally, you should be a couple of years into your existing loan before you can refinance.

If you do not have time- if you do not have the expertise- if you think that the whole process is too much of a hassle- speak to a mortgage broker and let him / or her investigate a refinancing deal for you. Your broker will run the numbers with you and can weigh up your costs (Discharge- establishment fees etc) and savings on your behalf so you can make an informed decision. With lenders offering refinance rebates, you can save even more putting more money in your pocket now just in time for Christmas.

Today is the right time to refinance-Moving the cactus from one spot to the better sunbathed spot achieved great results- Save yourself TIME as well as MONEY and get a homeloan that is better for your own particular goals and circumstances.

(Written by Corinne Jacquin- Mortgage Broker- Lending Specialist – from Ma Maison Advisory Services- Credit Representative No 478751- Authorised under eChoice Home loans- Credit Licence no 390502)


Blackmores Sydney Half Marathon

half marathon21.09 kms running along Sydney’s most spectacular and historic landmarks with the harbour bridge and the Opera House as backdrops was on Paraplanning Direct – Principal bucket list. On a beautiful September Sunday morning, she did it. Read on….

As I sit on the lawn of the majestic Royal Sydney Botanical Garden and look across the blue expense of water, I sink in my own world of amazement, oblivious of the colourful crowd. I am so thrilled… I have just completed my first ever half marathon ticking off one of my bucket list item.  I have run 21 kms in 2 hours 34 mins and 28seconds.  I do not know it yet but my time puts me in the last 13% for my age group.

So how did I end up at the start line of a half marathon at age 51?

Five weeks earlier, a colleague stated how beautiful the scenery is on the City to Surf run.  Being new to Sydney and always keen on exploring, I pondered on the idea.  So three days before the event, on the spur of the moment, despite no training I decided to do the 14 kms run from Sydney to Bondi.  Well, sort of no training as running is part of my daily exercise regime. In the excitement of comfortably finishing the race I promptly signed up for the half marathon.  I knew if I thought too much about it with only 5 weeks to go, I would find some valid excuse not to do it.   That’s how I ended up on the start line of the Blackmore Sydney Running Festival Half Marathon.

The Run

As for the run, it was uneventful!  The highlight was the run across the Harbour Bridge and having the bridge nearly to myself as my start of the race was delayed because of the long toilet queues.  I felt slightly light headed around the 14 kms mark but pushed on.. determined to finish no matter what.  The last 5 kilometers were part of my training trail, from Barangaroo to the Opera House and I picked the pace as I knew what to expect.

The Training

In the lead up to the race, unlike the City to Surf, I focused on training. I consulted Mr Google about a month long training program.   For the 4 Sundays leading to the race, my weekends were hijacked as I aim for over 14 kms run on a mix of trails from Wynyard station to Woolloomooloo and Barangaroo.  In between the long runs, I fitted in 2 shorter 4 to 6 kms runs with the days in between devoted to yoga.

The Food

Despite asking advice on what to eat, I ended up sticking to my idea of running on shakes, which worked through the training.  Once again I researched high carbohydrates seeds and nuts to put all the chances on my side. So on the day of the race, my shake was made up of   2 bananas, 1 raw egg, oats, sunflower seeds, almond meal and almond milk.

In the week leading to the race, I overloaded on carbohydrates – pasta and potato were on the menu.  And on the eve of the race, more pasta and this time washed down with Guinness.  Having a Guinness was a very deliberate choice, not only because of its high carbohydrate content but also as a relaxant.  Nevertheless, I spent nearly a sleepless night in anticipation.

Would I do it again?

Absolutely… despite coming up 213, with only 250 women participating in my age group, I continued to feel a sense of achievement.  In my mind, running a half marathon was for athletes, well I have just proved it that anyone can do it with some focus and dedication.

Grading a diamond or qualifying someone for a HOME LOAN – the 4 C’s determinants!

Understanding how lenders rate you according to the 4C’s will help you prepare your loan application and will define if you are successful or not!

It is incredible that whether you want to qualify / grade a diamond or you want to qualify someone for a home loan- you need to look at the 4C’s determinants- Cut, Colour, Clarity and Carat for a diamond- Character, Capacity, Collateral and Capital for qualification of a loan.

The 4C’s determinants:


Character refers to how credible you are as a potential borrower! Have you been responsible in paying your debts- your credit card or your car loan ON TIME? Can you give the lenders comfort around your ability to save or pay your rent on time? They will look at your loan/ and credit card statements or even your rental ledger to build your financial profile. Lenders requirements – 3 months of credit cards statements and 6 months of other loans/ savings statements. Your personal profile is also taken into account – are you single? Are you married or de facto? How many assets have you got? Do you work? Are you full time part time or a contract? Do you live at your parents’ place or do you rent? Everyone is unique as an individual.


Capacity refers to your ability to service or repay the loan being applied for. You need to prove to the lender that you can afford the repayments based on the current rate and even should the interest rate go up. Lenders will assess you at a higher interest rate- e.g 2%-2.5% higher in their servicing calculator. Do you also have a stable job and if you just changed jobs is it in the same industry? Understanding where your income comes from and where it goes is crucial. Brokers are required to ask their clients for a detailed break- down of their budget nowadays. It is a broker’s duty of care to prove that a loan is not unsuitable to their clients.


The dictionary defines Collateral as “an asset pledged as a security for repayment of a loan”- to be forfeited in the event of a default. The lender will always perform some kind of a valuation on the property to be used as security. Should the borrower fail in making the repayments, the lender will take the property and sell it to recoup its losses. Click on this link for a FREE Core Logic property valuation report worth $50 on your residential property (Compliment of the author)



Capital in respect of borrowing refers to the amount of deposit you have saved and have available to put down to buy your property. Lenders like to see that you have 20% of the total purchase price. If you don’t, then they perceive that they are exposed in the event that you default. LMI or Lenders Mortgage Insurance is a one- off premium paid by the borrower if he does not have the required 20% but it only protects the lender not the borrower.

As you can see, there are a lot of factors involved in qualifying for a loan. Are you the perfect “diamond” the lender is looking for? How do you rate? Have you got the perfect 4C’s?

Contact me and let me advise you on how to best prepare your loan application to look as priceless and clear cut as the diamond in the picture.

Written by Corinne Jacquin- Mortgage Broker- Lending Specialist – from Ma Maison Advisory Services- Credit Representative No 478751- Authorised under eChoice Home loans- Credit Licence no 390502

Best Ever Mulled Wine

combination recipe from Jamie Oliver & Adeline Lumiere

Come winter festivals in Sydney like Bastille Day or the Vivid Festival – we have the opportunity to taste a wonderful winter warming spicy wine- commonly called “Mulled Wine”. It is warm, aromatic and extremely comforting.

750ml dry  red wine- (e.g Cabernet Sauvignon)
150g castor sugar
1/2 cup orange juice
peel of one lemon
peel of one orange
4 star anise
2 cinnamon stick
7 cloves
1 vanilla pod
1 tsp fresh nutmeg (or use 1 tsp of powdered)

  1. Put the sugar in a large saucepan over a medium heat, add the pieces of peel and the orange juice.
  2. Add the cloves, cinnamon stick and about 10 to 12 gratings of nutmeg. Halve the vanilla pod lengthways and add to the pan, then stir in just enough red wine to cover the sugar.(a glug)
  3. Simmer until the sugar has completely dissolved into the red wine, then bring to the boil. Keep on a rolling boil for about 4 to 5 minutes, or until you’ve got a beautiful thick syrup.
  4. You need to create a wonderful flavour base by really getting the sugar and spices to infuse and blend well with the wine.
  5. When your syrup is ready, turn the heat down to low and add your star anise and the rest of the wine. Gently heat the wine and after around 5 minutes, when it’s warm and delicious, ladle it into heatproof glasses and serve.
  6. Serve hot with slices of fresh oranges.
  7. Tip- You do not want the wine to boil otherwise the alcohol will burn off- the taste is even better the next day.
The Power of Referrals


If you are a financial professional, generating client referrals should be high up on your list to grow your business. There are two ways you can generate those referrals – from your existing client base or from referral partners.

Referrals from your client base:

  1. Trust & Exceptional service:-Asking your clients for referrals should not have to be awkward- if you do a great job and have a relationship with your client then it will be all natural! You need to prove yourself as the finance professional they went to – show your clients the quality of your work before asking for a referral and your clients will acknowledge that. As a mortgage broker, I show my clients that it is not all about rates and what I can do – it is about structure and the clients’ individual circumstances. Do not underestimate the value of good service! Once you nail it, then the referrals will flow back to you. While you are providing exceptional service, do not forget to invest in your relationship with your client. Instil trust and show empathy when need be- for e.g a recently divorced wife trying to buy her family home back – or  a couple who has had the husband retrenched and are deep down in debt are most likely to need your extra attention. If you ALWAYS have the best interests of your clients as your main driver then they will always confidently refer you to others.
  2. Be Direct and Ask – It is important to let your clients know that you are a referral business. Let them know by planting seeds during your engagement with them- reinforce the service you provide and the things you do for them. As they are signing their Statement of Advice/ or loan documents, mention “Do not forget to tell your friends and family!” Make it about wanting to serve instead of sell!
  3. Follow up call – locked in your CRM – It is important to follow up and keep in contact- this shows that you genuinely care about your client and they are not just a transaction. Put calendar reminders for e.g 60 days call just to see if everything went ok! Building a relationship that lasts beyond the transaction/ business process is key to getting your clients to refer you to others.

Referrals from other professionals:

  1. Your Ideal Client: You have thought about your client avatar or your ideal client but have you thought about your ideal referrer? Where is your audience and where is your referrer’s audience? Could you possibly leverage from each other? Think how you could add value and ultimately leverage each other networks.
  2. Reach out to them– have a coffee and try to understand each other’s businesses- how do you operate and how would the other professional position you in their engagement with their clients? It will not happen overnight but the best thing to do is to give / add value to your potential referrer. Start liking their posts on Facebook and share their page to your network. Suggest sending them relevant articles for their monthly newsletter! Always think how you can add value to your referrer partners and their businesses before even asking them to start sending you leads.
  3. Define your relationship and its parameters: is this going to be a two – way relationship with no money exchanged? Or with only introductions/ leads exchanged? Have an agreement drafted and signed if possible! But most times – it is better to reciprocally open the doors to each other and not pay an entry fee…

Whatever you do, TRUST is the main lever with which you can generate those critical “word of mouth” referrals straight to your business. Have you found your “ideal referrer” yet?

Written by Corinne Jacquin- Mortgage Broker- Lending Specialist – from Ma Maison Advisory Services- Credit Representative No 478751- Authorised under eChoice Home loans- Credit Licence no 390502


On Tuesday the 9th of May, The Federal Government handed down its Budget for the 2017-2018-  this year’s Budget is founded on the principles of “fairness”, “security” and “opportunity”- Of course, we will not know until the relevant legislation is introduced  into parliament then passed into law which could be a big challenge- See this quick guide to it


  • Deficit of $29.4 billion in 2017/18 but projected surplus of $7.4 billion in 2020-21
  • Increased Medicare levy adding $8.2 billion to the bottom line for three years
  • Wage growth expected to increase from 2 per cent to more than 3 per cent over the next four years
  • Up to $13 billion of “zombie” 2014-era cuts to education and welfare will be dumped to shore up AAA credit rating


  • Extra funding for the Tax Office’s taskforce charged with clawing back $15b from the black economy
  • “Google tax” expected to raise more than $4b from big business and multinationals
  • Banks subject to bigger fines of $50m-$200m for serious misconduct
  • Six-basis-point levy on the five largest banks, raising $6.2b over the budget and forward estimates


  • Small business $20,000 instant asset write-off extended for second year
  • Businesses with a turnover of up to $50m will receive a company tax cut
  • Annual temporary work visa levy of $1200 or $1800 per worker a year, and one-off permanent skilled visa levy of $3000 or $5000


  • First-home buyers can salary sacrifice for deposit from pre-tax pay
  • Retirees who sell family home can add non-concessional $300k into super
  • “Ghost tax” of up to $5000 for foreign buyers who leave homes empty for 6 months or more.
  • Community housing associations can borrow money at lower rates of interest
  • Increase capital gains discount by 60 per cent for investments in affordable housing( as from 1 January 2018)
  • $1b to fund deals within cities to develop urban areas
  • Changes to depreciation deduction allowed for plant & equipment for residential real estate. Original purchaser will be entitled but not any subsequent owners.



  • Gambling ads banned during live sports broadcasts before 8.30pm, and for five minutes before and after start of play
  • $130 million annual licence fee for broadcasters will be scrapped in favour of a $40 million spectrum fee
  • Repealing the 75 per cent reach and cross-media ownership laws


  • Australian Federal Police get $321m to recruit anti-terrorism/trafficking specialists
  • $350m for mental health services for veterans
  • Defence spending is expected to rise from $32.4b in 2016-17 to $58.7b in 2025-26
  • Extra funding will help security agencies protect Australians at home and abroad


  • Melbourne-Brisbane inland rail link gets $8.4b with construction to begin this financial year
  • Second airport for Sydney at Badgerys Creek to get $5.3b over 10 years
  • $844m to upgrade Bruce Highway
  • $1b for Victorian projects including $500m regional rail fund, $30m for airport link business case
  • $1.6 billion for infrastructure in WA, including funding for better road access to the Fiona Stanley Hospital precinct

Big-ticket items to boost economic growth, jobs and the national psyche


  • Medicare rebate to be lifted, costing $2.2b over four years
  • Medicare levy to be raised by 0.5 percentage points in two years’ time
  • Extra $2.8b for hospitals
  • $1.4b over four years for medical research
  • Price cuts for taxpayer-subsidised medicines, which will save $1.8b over five years
  • $115m for mental health

Better funding of Medicare and the NDIS provides security and insurance for all of us. A fair outcome


  • One-off energy payments for pensioners ($75 for singles, $125 couples)
  • Almost $430m to support universal access to pre-school for all four-year-olds
  • $5.5m vaccination campaign. Family Tax Benefit A payments reduced by $28 a fortnight if children aren’t fully immunised
  • Expanding ParentsNext program to help young parents get jobs
  • $3.4m over two years to expand Specialist Domestic Violence Units

Little extra funding for families hurt by Medicare levy increase


  • Demerit point system means payments deducted if job interviews skipped
  • $375m to extend homelessness service funding to the states
  • Drug-testing trial will have 5000 welfare recipients put on voucher system if they test positive

Some of the more controversial measures announced but little actual change


Government in talks to buy back share of Snowy Hydro from Victorian and NSW governments

$90m to secure access to Australian gas for domestic use

$37m for new energy infrastructure and gas pipeline in South Australia

The Snowy Hydro initiative had already been announced and there is little more here to get excited about


  • Extra $2.2b over four years for schools
  • Reintroduction of Gonski-style needs-based funding formula
  • HECS debt threshold lowered to $42,000 from $55,000
  • University students face 7.5 per cent tuition hike
  • Universities hit with 2.5 per cent – or $2.9bn – efficiency dividend over two years

A welcome injection of cash for schools, but university students are worse off with higher fees and faster payments

(Source –

HEALTHY HABITS CORNER- Superfood Linseed or Flaxseed

Flax seeds or Linseeds have been consumed as food for around 6,000 years and may have been the world’s first cultivated superfood!They are small, tan or golden coloured seeds and are the richest sources of a plant-based omega-3 fatty acids, called alpha- linolenice acid (ALA).

10 Flax seeds Benefits & Nutrition Facts:

  1. High in Fibre but low in Carbs– flax is extremely high in both soluble and insoluble fibre which can support colon detoxification,fat loss and reduce sugar cravings.
  2. Healthy Hair, nails and Skin– The ALA fats in flax seeds benefits the skin and hair by providing essential fats as well as b-vitamins which can help reduce dryness and flakiness. It can also improve symptoms of acne, rosacea, and eczema. This also applies to eye health as flax can reduce dry eye syndrome.
  3. Weight Loss – Since flax is full of healthy fats and fibre, it will help you feel satisfied longer so you will eat fewer calories overall which may lead to weight loss. ALA fats may also help reduce inflammation.
  4. Lower Cholesterol – The soluble fiber content of flax seeds trap fat and cholesterol in the digestive system so that it is unable to be absorbed. Soluble fibre also traps bile, which is made from cholesterol in the gallbladder. The bile is then excreted through the digestive system, forcing the body to make more, using up excess cholesterol in the blood and lowering cholesterol overall.
  5. Flaxseeds are Gluten- Free – flax seeds are great for those who have Celiac disease or have a gluten-sensitivity. They may also be a good alternative to omega-3 fats in fish for people with a seafood allergy.
  6. Digestive Health- the biggest flax seed benefits come from its ability to promote digestive health. The ALA in flax can help protect the lining of the digestive tract and maintain GI health. It has been shown to be beneficial for people suffering from Crohn’s disease or other digestive ailments, as it can help reduce gut inflammation.
  7. Flax seeds are high in Antioxidants (Lignans) – Lignans are also known for their anti-viral and antibacterial properties, therefore consuming flax regularly may help reduce the number or severity of colds and flus.
  8. Flax Seeds for Cancer – Flax seed benefits have been proven time and time again and even including fighting breast, prostate, ovarian and colon cancer.
  9. High in Omega -3 Fatty Acids- We hear a lot about the health benefits of fish oil or omega-3 fats. Fish oil contains EPA and DHA, two omega-3 fats that are critical for optimal health. Although flaxseeds do not contain EPA or DHA, they do contain ALA, another type of omega-3 fat.
  10. Menopausal Symptoms: The lignans in the flax have been shown to have benefits for menopausal women. It can be used as an alternative to hormone replacement therapy because lignans do have estrogenic properties. These properties may also help reduce the risk of osteoporosis. It can even help menstruating women by helping maintain cycle regularity.
The benefits of a mortgage broker

Not long ago, when seeking finance, many Australians would head to their local branch to apply for a loan. Nowadays, more than 50% of mortgages are packaged and prepared by mortgage brokers.

Australians are becoming more aware of the benefits of working with a broker.

An experienced broker can reduce the effort needed on your part to secure a home loan and they will take time to explain everything to you every step of the way. Basically, a mortgage broker does all the hard work for you!

When speaking to a broker, they will break down the fees and charges, work out how much you can save by having a lower interest rate and they will compare the features and benefits of 20+ lenders and non bank lenders on their panel.

Important facts to know before you sign to acquire the biggest asset of your life!

Taking out a mortgage can be frustrating! It is a complex process – many of us find it difficult to understand the course of action and the complications of the application process.

A mortgage broker will help process the paperwork and manage the application on your behalf. They will fill out all the forms for you to sign, liaise with the lender and the conveyancer to make it all stress free for you.

The best thing about using a mortgage broker – it is FREE!

Mortgage brokers do not charge their clients for using their services. They are paid by the lender for introducing new business.

In a nutshell, here why you should use a mortgage broker:

  1. Licenced Professional & Lending Experts

All brokers are licenced mortgage professionals and belong to an industry body like for e.g the MFAA- Mortgage & Finance Association of Australia. They are experts in their field. You will have the peace of mind that your trusted broker is trained and accredited to provide you with the correct information. They will always put your needs and financial goals first.

  1. Wide range of products

Most brokers are accredited with over 20+ lenders which in turn gives you access to 50+ products compared to speaking to a bank loan officer who has only access to a few products only from the one bank.

  1. Personalised Service

Experience First class service- When you speak to a mortgage broker, initially they will want to get to know you. They will ask you questions to understand your goals and aspirations. Your answers will help them figure out how to structure your loan correctly and what product features will benefit you better. By understanding your life story, the broker can then submit a detailed application to the lender avoiding delays and lengthy follow ups. They will negotiate with lenders on your behalf. A good broker will have a relationship with you so that you will feel very comfortable to call/or message them at any time if you require help or do not understand the application process.

  1. Education & Information

A broker will explain banking / finance jargon to you. Finance terms like offset- redraw- Fixed rate and Variable rate can be all confusing. They will also keep you informed. When speaking to a bank loan officer, you might not be kept in the loop or even be made aware of how your application is going. This can be frustrating having to go into the branch or having to call and stay on hold to get updates on your application. A good broker is your only “port of call” – you deal with one person and one person only and this will save you time and worry!

  1. Cost Free

A broker’s services are cost and obligation free from start to finish. There will be no cost to you when using the broker’s services. They are paid by the lender for bringing new business. They will disclose the commission they make to you.

Written by Corinne Jacquin- from Ma Maison Advisory Services- Credit Representative No 478751- Authorised under eChoice Home loans- Credit Licence no 390502

Getting your time back in 2017

Aiming at achieving amazing growth in your business in 2017, why not investigate our services by booking a free consultation to see how we can best assist you. We will review your business practices and recommend the most appropriate services.  In addition to the preparation of the Statement of Advice, our range of services include:

1. Data entry of the Financial Planning Questionnaire in your financial planning software or CRM maintenance

2. Strategic Advice Service including:

  • Brain storming of proposed strategies
  • Financial modelling of alternative and proposed strategies
  • Preparation of a discussion paper.
  • Adviser briefing in preparation of clients’ meeting

3. A comprehensive Risk research service covering:

  • Risk Needs Analysis as per your Insurance Methodology
  • Pre Assessment and follow up with insurers
  • Risk Research including review of existing product
  • The provision of Risk Research Reports and supporting documents
  • Preparation of alternative quotes for 3 insurers

4. A comprehensive Super Research service covering:

  • Super Research on IRESS on existing product and 3 alternative insurers
  • Phone calls to existing superannuation companies and completion of Superannuation Comparison Checklist

5. Comprehensive Review service including:

  • Strategic Update and projections
  • Record of Advice or Review report as appropriate


Book a free consultation

Find out more about what we can do to assist you by booking a free consultation here.