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.

The Hidden Dangers of an Unplanned Estate

The Hidden Dangers of an Unplanned Estate

While most of us are aware of the importance of making a Will, there are other estate issues that may not be so obvious and can have dramatic consequences on family security. It’s not just the wealthy – all families need to plan for financial, legal, medical and child care decision making to ensure their wishes are carried out accurately.

Estate planning may sound a little intimidating or irrelevant, but this umbrella term covers a range of essential financial and legal arrangements that any individual can and should make for the proper care of what they own and the people they love. It is integral to your future planning if you want future situations handled with minimal impact on family and in alignment to your wishes.

Your will is a starting point
Even with modest assets and property, there can be severe delays, disputes and upheaval if you were to suddenly pass away without a Will. A Will clearly specifies what you want to happen and who you want to benefit if you are no longer around. The absence of a Will leaves your family in the hands of an appointed administrator who may make decisions that are not consistent with your wishes and may result in unnecessary delays and costs in estate distribution. Once in place, it is essential that it is reviewed periodically to make sure it adapts to your changing circumstances.

How will medical decisions be made?
The reality of medical and health issues impairing decision making is a critical issue to deal with in an estate plan. A sudden accident can leave your family with massive decisions to make about treatment, accommodation and assets, so it is essential that they have some formal reference point to avoid undue stress.

It is not just the elderly who need to plan for this situation. Serious and chronic medical conditions can occur at any age and can dramatically and permanently affect your ability to manage your own health decisions or financial affairs.

Fortunately, there are ways to cope with this eventuality and relieve stress on your loved ones. An Enduring Power of Attorney gives a legal basis for passing your decision making authority to someone you trust if you are unable to make decisions for yourself on legal and financial matters.

Enduring Guardianship can also delegate your authority to someone you trust for making critical decisions on issues such as medical treatment and nursing home care, if you are not able to yourself. These tools are there for your benefit and to help you ensure your wishes are carried out effectively and responsibly to your satisfaction.

Providing for the care of children
No one would ever knowingly compromise the welfare of their children, but we can unwittingly leave things up in the air if we don’t make formal plans to set out our wishes. An Enduring Guardianship lets you specify who you want to care for your children if you suddenly die or suffer a medical event that prevents you from providing care for them.

It is a simple step to take, but can make a huge difference to their future and the peace of mind that comes from knowing your children will be well looked after is well worth it.

Failing to attend to this valuable provision for their future may leave them exposed to the judgements of external authorities and may leave your family with the prospect of applying to a government tribunal in order to allocate guardianship responsibilities.

Ask for help to secure the future
Your adviser can be a valuable facilitator on these issues. They can refer and consult with other professionals to make sure your situation is well managed and your beneficiaries are left with security.

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 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

  • 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

  • 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

  • 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.



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.



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

zuraida logo small