Altura Financial Planning is a financial advisory and planning firm authorised to provide advice as a member of Bluewater Financial Advisors Pty Ltd (AFSL 411846).
Bluewater Financial Advisors (Bluewater) is a Sydney-based boutique financial planning licensee, privately owned and operated, which has over 80 advisers across Australia.
This association with Bluewater provides us with access to resources that enable us to provide comprehensive advice and service to our clients using an extensive range of financial products offered in the market. Because Bluewater is privately owned, we are able to offer advice free from bias towards any particular fund manager or life insurance provider, which means our clients benefit with better value-for-money solutions.
Altura Financial Planning offers tailored advice according to each individual’s needs and financial objectives.
In doing so we provide the following individual services:
We also provide the following additional services to small to medium business owners:
The Financial Planning Process
At Altura Financial Planning we undertake the following steps as part of the financial planning process:
1. The first initial meeting where we identify your financial goals as well as determining what areas you would like to focus on.
2. Devise a strategy which meets your financial needs and objectives.
3. Prepare your statement of advice which outlines our recommendations to you.
4. Present and discuss your statement of advice.
5. Implement the recommendations within your statement of advice.
6. Review your progress at least once a year to ensure your goals are still on track.
Our fees are dependent entirely upon the level of planning and advice sought by each individual client as well as whether you choose to implement the recommendations. We offer a fee-for-service arrangement and are able to rebate any product commissions back to you.
The first initial consultation is at our expense. At that meeting we will discuss your particular requirements as well as our fees going forward.
Financial Services Guide
The Australian Securities and Investments Commission (ASIC) requires Altura Financial Planning to provide you with a Financial Services Guide (FSG) prior to providing any financial planning services. The purpose of the FSG is to convey important information which you will need to know before receiving financial planning services and advice from us.
This Guide Contains Important Information About:
You can Download our complete Financial Services Guide at the following link: Altura Financial Services Guide 010620
Your privacy is important to us. This statement outlines our policy on how we manage the personal information we hold about our clients.
My wife and I utilised Max’s services to review our life insurance policies, with particular respect to addressing an exclusion clause. Max spent significant time searching for the best possible solution and came up with a proposition that affordably met our requirements. I would not have been able to achieve this using one of those on-line insurance quote generators. Max did his utmost to get us the best deal and I would recommend him to anyone who is seriously looking to review their life insurance options.
Thanks Max for all your help with my new Life and Income Protection Policy. Not only have I got a better policy but a better premium as well. You answered all my questions and nothing was too much trouble. A pleasure dealing with you.
Insurance and the complexities of organising it has been made easy by Altura. Thanks Max for a painless process to organise what is an important aspect of any working person’s life. I have a great product within the price boundaries I gave and have the confidence that if I ever needed to claim, I have the full support of Altura to manage me through the process.
Max and Altura recently reviewed my superannuation and personal insurance circumstances. Upon reviewing my existing arrangements and analysing my personal needs, Max was able to outline a more cost-effective plan that saved money and was thereby likely to increase my return over time without compromising my personal coer. Max also took the time to make the process painless and simple and accommodate my busy schedule. Max is a true representative of customer service and operates a highly professional operation.
Max really took the time to understand my families needs and found a solution & cover that matched our situation and budget. His expertise, integrity and attention to detail were outstanding. He patiently followed up and answered each and every question with confidence and authenticity. I only wish all professionals conducted business in this manner. I can recommend Max to you enthusiastically and without reservation.
Max Pagnin from Altura Financial Planning provides outstanding knowledge and integrity in the field of personal insurance and income protection. Thanks to Max and Altura, my family was able to save over $5000 per annum on tax minimisation and through his detailed knowledge and support of my family’s needs for protecting our incomes, and the future of our children I can not thank Max enough, and highly recommend him to my entire network of family, friends and associates.
Max made a quite complex and daunting financial situation straightforward simple and not time consuming. Whilst finding me the best products and keeping my costs at a minimum, but with value, he stepped me through multiple options and was personable, friendly and punctual wiht good follow up.