orking as a senior finance journalist for The Age newspaper taught me two important lessons.
Firstly, there will always be rogues in the financial planning industry. Individual planners who are happy to accept fees-for-no-service, through to directors of financial institutions who walk away untroubled, while trusting clients lose everything in failed financial products. There will always be a need to be cautious.
Secondly, everyone has a story. No matter who you are, rich or poor, young or old, everyone has an interesting life with their own dreams, hopes and ambitions. It’s simply a matter of taking the time and creating the right space to listen to people and learn about them.
These two lessons have shaped the financial planning advice I give clients and the planning practice I have created.
Few people run out of money in retirement. When they do, it’s usually avoidable. They may have taken financial risks that were wrong. They may have listened to bad advice, or loved ones have found a way to take advantage of them.
What I provide clients is down-to-earth, sensible financial advice that will ensure their precious retirement savings are invested in a way they understand as safely as possible while generating a reasonable level of income.
It’s a simple process of working through where you are now, what you hope to achieve in retirement and then putting together a comprehensive financial plan to help you do just that. I can easily work with you using Zoom or via simple telephone conversations and all information is stored and handled on-line. It’s a very simple process.
I also love getting to know my clients. In fact, this is the most rewarding part of being a financial planner. Sharing their hopes and dreams for the future and helping clients put together the financial foundations to let them live life to the full in retirement.
It’s what gets me out of bed every morning and happily go to work.
Importantly, you should know just how qualified your financial planner is. So yes, I have a Commerce Degree from the University of Melbourne and I’ve recently upgraded this with a Graduate Diploma in Financial Planning. I’ve successfully passed the Financial Adviser Exam and I own my own Australian Financial Services Licence.
All of this has helped provide the foundations to build a successful financial planning practice and enable me to write the simple, easy-to-read book, The No-Regrets Guide to Retirement, which will help every Australian plan a better retirement.
However, if you would like a more detailed conversation with me, I would love to hear from you and learn exactly what you want to achieve in retirement. If what you’re after is peace of mind in retirement, I know I can help you.
Patricia provides us with a complete service, answering any of our finance-related questions with sage advice. At our annual get together, Patricia patiently goes through the details of what we need to know, what the expenses are and why these represent good value. We never hesitate to sign on for the next year. Patricia does all the hard work of collating and checking the paperwork, much of which is a minefield for those who lack the legal and financial skills. We think this is what we most appreciate about the services Patricia provides. We look forward to taking advantage of her services for many years to come.
Patricia has been my financial adviser since March 20210. In this time, I have always found Trish to be very pleasant, helpful, knowledgeable and encouraging. She has my full confidence and trust in managing my financial affairs.
Patricia Howard has been our financial planner for the past 10 years and we are delighted to provide a testimonial for her. We appreciate her very professional handling of our investments. We believe we have received sound advice and management of our money, even in difficult times. Patricia has a thorough understanding of our financial situation and is always ready to discuss any concerns we might have.