Merric & Sue Masters

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.

Daniel Seaton

I met with Zuraida Ariffin in 2008 to try and build my property portfolio. I soon learnt that in order to achieve my personal and property goals, I would need to go backwards to go forwards. Through the wealth strategy Zuraida tailored to suit my needs I am well on the way to reaching these goals.

I have learned so much in my time with Zuraida. Some of the most important advice I have received is that a budget is the most fundamental and effective management tool for me, and I now fully understand the benefits of investing and insuring, and having a home loan structured to suit my financial position. She also taught me the difference between ‘good’ debt and ‘bad’ debt and how ‘good’ debt can help build up my wealth portfolio. By knowing how my funds are allocated, how they are working for me and what my plans are for them, I have a clear idea of how far along I am towards reaching my goals. Having a financial plan is so liberating, and I would have no hesitation in recommending Zuraida’s services to others.

Stuart & Jenni Tapley

Jenni and I were introduced to Zuraida in 1994 and commenced using her services from that time. Although Jenni and I were familiar with household budgeting we were both surprised how much we did not know about establishing a financial system which suited our current needs with a family of teenagers, but also aimed at the time when we would retire from the workforce. Zuraida patiently and professionally worked with us over the years, modifying our system and reviewing our financial progress at regular intervals.
 
We have been very satisfied with her services and, although we have not always agreed with her advice, she has always explained the reasons for the advice and allowed us to make the final decision on which way we were to proceed. All changes to financial matters have been transparent from the financial bodies through the internet with summaries and reports being provided by Zuraida following our reviews.
 
There have been times when financial advice has been necessary in a short time and I have always found Zuraida available to provide the information. Either by phone or the internet, it has been extremely useful to have the personalized services of someone who knows our circumstances and can relate the requirement to our goals.
 
Both Jenni and I have now retired and we are pleased that we have used and continue to use, Zuraida’s financial services.

Ingrid

“Where does all my money go?” I asked in frustration.  I was chatting with a friend over coffee one day and we got talking about mortgages and investments, and after skirting around the issue, I finally came clean: I had no idea where most of my money went, and could not understand why I seemed to be unable to make headway against my mortgage.  My friend recommended that I get in touch with Zuraida and although it took me some time to finally heed that advice, I’m very glad I did.

By patiently working through my financial situation with me, Zuraida has helped me take control of my income (and spending!) and make my money work for me.  The strategies Zuraida has developed for me mean that my mortgage will now be paid off in about 6 years instead of 25, and all the while I will have other investments slowly ticking over for my retirement.  Zuraida’s straightforward approach has helped me make sense of what was previously a mystery to me, and the most satisfying thing is that I can see the progress – week by week, month by month.

By taking care to find out what my financial goals are and what I want to achieve by investing, Zuraida has helped me help myself.

ZA Wealth Creation was proud to sponsor Ingrid in Can Too Blackmore’s Sydney Running Festival where she managed to raise $3400 for the Cure Cancer Australia Foundation. She finished the 9km course in an amazing 55.46 minutes!

Gavin Jones

This is to certify that Zuraida Ariffin has been serving as my financial advisor for more than 15 years, beginning when I was a professor at the Australian National University and continuing after I moved to the National University of Singapore.

During the course of that period, she has set up her own consultancy, and expanded her business, but her attention to the needs of her clients has not changed. I have been very happy with the advice she has given over the years, which has enabled me to accumulate the funds needed for retirement, and to avoid some of the pitfalls confronting the unwary investor. She has an excellent sense of the situation in which her different clients find themselves, and she tailors her advice to their individual needs.

I am very happy to recommend Zuraida’s services to others seeking sound financial advice, especially if they would like that advice to be offered in readily understandable terms and with a dash of humour.

Michael & Tanya Tear

Zuraida has been providing financial advice to our family for over 12 years.

Not only have we benefited from that advice and seen our personal wealth grow we have also become better educated about the value and practicalities of investing.

Zuraida provides advice that is practical, realistic and perfectly suits our personal situation.

Mike & Barbara Bills

Choosing a Financial Planner for us, was probably no more difficult than for most, but as we approached retirement, & having always managed our own investments, there was a reluctance to hand over financial decisions to those we didn’t know. However, it’s a necessity, as we were unfamiliar with the many complying rules & regulations. We’d had meetings & discussions with many planners, attended seminars & spoken with others over a twelve month period, before finally deciding. We lingered over a decision, realising that the direction we chose, & investment decisions made, would impact on our future financial & personal lives, & those of our families.

The reason for choosing Zuraida was, we felt, that in handing over investment decisions to another, we needed to feel comfortable with our personal association, more so than with any investment decisions, as any results & outcomes of those decisions, were yet to be realised. There’s a reluctance to remunerate anyone, who at the time, was yet to make any decisions, wise or not, but a choice needed to be made, & it needed to sit comfortably. So the eventual choice was really based on impression, & a personable & comfortable feeling we had of Zuraida, together with clear advice & a plan & direction to pursue, & so far we still feel comfortable with that choice.

All financial planners must surely seek to make educated & informed decisions on where funds should be invested. It’s early days for us, but at this stage of wealth preservation, wealth creation & income generation phases in our relationship with Zuraida, we feel settled with the choice of planner, though her investment decisions in our case, are yet to be realised.

Anthony & Cilla Weston

We first met with Zuraida in 2001 and have maintained a strong, trusting and friendly relationship with her and team since.

During that time we have faced career challenges (the loss/changing of jobs) and life 'modifications' (addition of two beautiful daughters) and Zuraida has adapted to our needs
and helped us to refocus our goals.

Zuraida assisted us to minimise and consolidate our debts and we now focus on our longer term goal of creating a sustainable asset for our family's future.

We have found Zuraida's approach to be most effective and would highly recommend her services.

Trevor & Norma Smith

With Zuraida’s knowledge regarding financial strategies, we as investors have greatly improved on our upcoming retirement status, following  her advice.

We have a good understanding of our investment advice which is explained in simple understandable terms, with realist goals. We are comforted by the numbers knowing we are not likely to run out of money in retirement.

A true Financial Planner creates a long lasting, trusting relationship that will enable clients to have complete peace of mind with monetary matters and we have every confidence that this has been achieved with  Zuraida assistance.