We help you locate ethical and experienced financial advisers who genuinely respect your values.
We provide Second Opinion Financial Wipeout Protection services, referrals and education. We provide links to helpful public references.
We look for advisers who act not only in the letter of the law but in the true spirit of putting the client’s interests first as disciplined professionals.
Paul Meleng has supported ethical investing from its beginnings in Australia in 1989, but has retired from Licensed Investment Advising.
He is now a consultant providing training and internal audit services to Financial Advice businesses and accountants around best practice in the giving of financial advice and adherence to the new ethical and legal frameworks.
Anyone can pass simple exams and buy a nice certificate. That is about competence. It says nothing about deep integrity, empathy, experience and moral strength or economic market perception. Advisers cannot simply fill in a form and pay a fee to get on our list.
We do not accept payment from advisers for referrals. We have to know them personally, see examples of their work and their business proposition for clients and know for sure they are the real thing.
This is an intensely personal service. Only the very best will do.
Giving general or personal financial ADVICE is governed by the Corporations Act Regulation Guide RG 175.
Do you actually need financial advice and how much? Maybe your question belongs elsewhere or is easier or harder than you think.
If we refer you to an adviser we will negotiate our own fee with you. We do not accept any commissions or rewards from our selected advisers. To protect the time of our rare and valued ethical advisers we will not refer anyone to them who is “a waste of time” or who is unlikely to mutually benefit from the relationship. Be serious and respect of this ethical service.
Before contacting the adviser we recommend (or any adviser), you will be able to see their website, or at least read their own Financial Services Guide which includes how they are paid. When you contact them you will be able to ask about services and fees. If you need to you can check with us as to whether that sounds reasonable.
Links and Self Education.
The better informed and the better prepared you are, the better value you will get from any advice. Self education from credible sources will pay off for you all of your life. Start with the links below. (** watch this space for our pending new e-book and links to our recommended financial library):
- The Australian Tax office – personal superannuation pages. The real rules from the source. Always a good starting point.
- Australian Government – moneysmart.gov.au. This site is provided for the very purpose of financial education for consumers. It includes excellent online budget and planning calculators which we can share as planning and advice tools for you.
- Australian Spending Habits – very informative MoneySmart infographic on how Australians spend their money.
- Dover RTO – Financial Planning RG146. Financial adviser’s diploma study course. See the list of units and subjects studied for the basic Diploma in Financial Services and related disciplines. Register for free and have access to the actual course material to study on-line. You are free to study the whole course and do online exams but only pay if you then want the Diploma.
- Colonial First State calculators. How much super is enough? How tax effective is super? How much could I save over time? What investments suit my risk profile and goals?
- Cuffe Links – insights for investors and advisers. Helpful articles chosen by a well respected professional. Note the index to articles bottom of page.
- Retirement budgets. How much do most people really spend in retirement? What do you spend now? See this site http://www.superannuation.asn.au/.. and other pages on the site for more useful information on superannuation.
- The funds listed at – ethicalsuper.com.au. They all have very well written general information. They are supposed (by law) to contain all you need to know to join a super fund.
- The website and Product Disclosure Statement for any fund you are in now and wish to leave. Check for any penalties. Use the free customer help lines.
- Risk and Return. Interactive charting for those who like to play with numbers. Investment returns history interactive calculator. Create and compare portfolios of different asset classes over selected times since 1970.
You will either find what you want to know OR appreciate what we do for you, or both!
To help you in your thinking on super, use these handy calculators provided by .