• ACHIEVE YOUR

    FINANCIAL GOALS

    Most financial advisors focus on the wrong thing; themselves. They talk about their qualifications, their passion, their attention to detail and how long they’ve been in the industry.

    To me, those are things that should be a given; not selling points.

    Instead, I like to focus on you so that you learn, understand and are excited about the plan for your financial future.

    After all, they are YOUR financial goals.

    Scroll down to learn more about how I help you achieve them.


Another aspect to taking care of your children

Another aspect to taking care of your children

The role of parent is challenging in so many ways. We are all busy providing for our children’s health, safety, growth and development. We make sure we protect our lives, our income and our major possessions.

There are other ways we can protect our children from some of the more unfortunate things that may happen. It’s worth taking time to consider the option of Children’s insurance and the need to appoint a guardian.

Many people do not regard Children’s insurance as important as children are not generating income. However, the impact of illness, a major accident or the death of a child can have profound financial, as well as emotional impacts on parents and other members of the family. Children’s Insurance can provide financial support should the unforeseen happen to your child and most importantly takes away the financial stress, to provide choices to aid in your child’s recovery. It can also be used as a form of saving for higher education and as a way of ensuring your child’s future insurability

This is a complex issue and not easily discussed in generalities. Your financial professional can help you determine whether life insurance for your child should be part of your overall financial plan.

The issue of appointing a Guardian is far more straightforward. The guardians’ role is to ensure that the children are adequately housed, clothed and educated. Anyone who has young children should appoint a guardian to take care of them should you pass away prematurely.

You can do this by establishing an enduring guardianship. This enables you to appoint a substitute decision maker to make personal, health or lifestyle decisions in the event that you are unable to make your own decisions.

An enduring guardian can only be appointed while you have capacity. Capacity means that you have the ability to make decisions for yourself.

If you have not appointed an enduring guardian, anyone who has a genuine concern for your wellbeing can apply to a government tribunal to appoint a guardian. The tribunal will hold a guardianship hearing and where possible appoint a family member or friend as a guardian. This can be a stressful process for family members.

If there is no one suitable to be appointed as guardian or where there is significant conflict over who should be appointed as guardian, the tribunal can appoint a Public Guardian. The Public Guardian will then make decisions for you regarding matters such as accommodation, medical treatment and dental treatment.

Most people would prefer to choose their own decision-maker. By choosing your own decision maker, you can select someone who knows you well and who can take into account your thoughts and opinions, both past and present.

This is an important part of your financial planning process. Why not consult your financial adviser and other appropriate professionals to ensure the future needs of you and your family are planned?

This is general information and does not consider your circumstances. Before acting on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation or needs.

What our clients say

  • We have been consulting with Zuraida for the past 5 years. From our first meeting with her, we were impressed by her friendly yet professional and detailed approach.

    We felt supported and guided by Zuraida’s approach of helping us chart our dreams and aspirations.

    We feel secure knowing that our money is in a good place and doing its work for us.

    Having constant feedback, following periodic reviews which are really inspiring means that we can now focus on the things that we enjoy and not worry about our financial situation.

    In fact we have already seen our income grow and bear fruit and are confident that we are on track to achieve our goals.... thanks to Zuraida.

    Jaya and Mary

    Jaya and Mary

  • The greatest value we get by working with Zuraida Ariffin Wealth Creation is having a written strategic plan to help us achieve our goals. We have honed our attitudes on managing money and we have clarity on how to get what we desire financially and non-financially.

    Zuraida has taken the load off our shoulders and made the ‘invisible’ visible for us – our progress is tracked in real time to give us the confidence that we are headed in the right direction.

    Zuraida is well-qualified, experienced and trustworthy which is an important attribute for someone looking after our financial future.

    Adrian and Lisa

    Adrian and Lisa

  • I feel much more reassured about the future knowing that, thanks to Zuraida and Rhonda, I now have a plan to make my money work for me and if all goes according to that plan, I should be able to retire comfortably. It's a surprising weight off my shoulders.

    I look forward to working with you both to bring the plan to fruition.

    Zia

    Zia

  • My dealings with Zuraida in regard to financial advice date back to 1988 when I took a voluntary “redundancy package” from my then employer.

    Over the ensuing years, Zuraida has provided me with ongoing financial advice relating to my superannuation funds up to my retirement in 2001.

    Zuraida also assisted me in setting up my Allocated Pension following my retirement, which now provides me with my retirement income. She also assisted my wife with setting up an Allocated Pension of her own.

    In all the years of my association with Zuraida, I have found her to be honest, knowlegable, and effective in assisting me with financial and investment matters.

    I have no hesitation in recommending Zuraida to anyone who needs financial planning assistance no matter what stage of life they are at.

    Merric & Sue

    Merric & Sue

  • We knew deep down that we needed financial help as all we seemed to be doing was spending money without having anything at the end to show for all our hard work.

    Yet we put off seeing a financial planner because we didn’t want to give up on our lifestyle and fun holidays. We also thought that it would be like speaking to our parents about money; just being told to “Save and stop spending on unnecessary items”.

    We didn’t really have clear financial goals, just a few dreams of what we wanted to do as we grew older. Yet, when we met with Zuraida, she just understood us.

    We never thought that taking a year off from our regular jobs to travel, live and work overseas was possible. Zuraida, however, found a way while also ensuring we still have a solid financial future.

    Kelli and Penny

    Kelli and Penny

Our Services

Cash flow Management

Cash flow Management

It's not about how much you earn but what you do with it.

Debt Reduction

Debt Reduction

I help reduce your debt and save money instead.

Investments

Investments

My tailored modelling helps you diversify your investments. I recommend investments that suit your objectives and your tolerance to risk.

Personal Risk Protection

Personal Risk Protection

I ensure you have vital financial protection in the event of sickness or accident.

Self Managed Super Funds

Self Managed Super Funds

I help you take control of your super to achieve your financial goals.

Retirement Planning

Retirement Planning

Financial freedom is the goal. I help you realise the retirement you’ve always dreamed about.

My Difference: Real-Time, Monthly Data

  • Regardless of what services help you achieve your financial goals, it is important to track your progress closely and regularly. Many financial advisers will provide a financial plan but few have the capability to report your progress in real-time.

    One of the things that makes me different to other financial advisors is that I can provide you with real-time data on a monthly basis so that you can compare your progress against your written plan.

    Every month, I provide you with a report that compares, with precision, your current balances e.g home loan, investments, etc, against the corresponding projected targets you want to achieve.

    Why not experience the difference?

    Contact me

What to look for in a Financial Planner

  • There are five key things that you should look for in a financial planner are:

    1. rapport;
    2. testimonials;
    3. licence;
    4. membership; and
    5. certification.

    Find out about why I think these are important to you when choosing a financial advisor.

    Learn more

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