The Role of a Financial Adviser

One of the most important roles of a financial adviser is to develop a personalised financial plan that meets your specific needs and goals. We help you set realistic financial goals, such as saving for retirement, buying a home, or starting a business, and help you create a plan to achieve those goals.

Starting the process of investing requires careful consideration of your personal circumstances. Instead of starting with a specific investment in mind (e.g., starting with, I would like to invest in shares or property), it’s important to first evaluate your financial ability. A Qualified, Licensed Financial Adviser can help uncover your true ability. Understanding your risk appetite is the next step in the process. We need to align your risk appetite with your financial ability to ensure a suitable investment strategy prevails.

It’s worth noting that just because you have the ability to invest a large sum of money in property or shares, it doesn’t necessarily mean it aligns with your risk appetite. Our goal is to create a strategy that complements both your ability and risk appetite, helping you achieve your personalised investment goals.

In my 20+ years of experience, I have seen too many financial advisers and property promoters prioritise their own interests over their clients. They often have a specific product/strategy in mind and manipulate the outcome to benefit themselves. This is why it’s crucial to seek advice from licensed financial advisers who prioritize your best interests.

When dealing with property promoters and attending investment seminars, it’s important to be aware of the risks involved. These individuals may offer free seminars, investment review meetings or even wealth creation reviews, promising investment tips and opportunities on how to increase your wealth, but they are commonly not licensed to provide comprehensive and unbiased advice. Only a Licensed Financial Adviser is legally able to provide this type of guidance. There’s a great web page on the Australian Consumer Law website.  It talks about risks when dealing with Property spruikers and investment seminars promising to review your wealth creation strategy – click here.

I have always emphasized the importance of investing to the best of your ability and considering your risk appetite. It’s crucial to hold quality assets and ensure that any investment recommendations you receive are unbiased and come from a trusted adviser. There are really only three main asset classes to consider (with various subsections to these three): business, shares, and property.

The role of an Adviser is also to provide discipline and accountability. We like to help you stay on track with your financial goals by regularly checking in with you and helping you stay focused on your objectives. Constantly reviewing your ability is equally as important as reviewing your strategy.

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Financial Planning advice is provided by Thesan Private Wealth Pty Ltd, ABN 54 661 639 247, Corporate Authorised Representative #425962 of TFS National Pty Ltd, Australian Financial Services Licence No. 532141. This document contains general advice and does not take account of your objectives, financial situation or needs. Before acting on this general advice, you should consider if it is appropriate for you. We recommend you obtain financial, legal and taxation advice before making any financial investment decision. Past performance is not a reliable indicator of future performance.

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