WHAT WE ARE ABOUT
We specialise in helping you understand your financial position, so you can create a roadmap to reach your goals and live with financial freedom.
HOLISTIC FINANCIAL PLANNING IS ABOUT ENJOYING LIFE HOW YOU WANT TO, NOT JUST ABOUT PAYING THE BILLS.
It is about being free from financial stress. It is about putting you in the driver’s seat, with a reliable financial navigator, of your financial life. It is about securing financial freedom for your future.
Working within a community of independent advisers with no relationship to any product providers, allows the focus to be solely on you. Your dreams, motivations, goals and needs. By focusing on your goals you are able to maintain a longer term view which reduces stress and knee jerk reactions to things beyond your control like world events, investment market gyrations, and the next get rich quick tip. This enables you to make smarter choices.
HOW WOULD YOU FEEL IF YOU REMOVED WORRIES ABOUT YOUR ‘FINANCIAL LIFE’?
If you are genuinely seeking an honest, open, working advice relationship to improve your financial situation and would like help to achieve your goals to ensure you create the life you want to be living, a full happy life, do not hesitate to contact us.
We never seem to have enough time, to do the things that we enjoy and the things we need to. Choosing how you wish to spend your time is important. Hiring us is about delegation, working with a professional so you can spend more of your time doing the things you enjoy.
how we work
knowing where you are heading helps you step over the hurdles that everyday life puts in your way.
A financial plan is about knowing the destination you seek, your starting position and actively working through each step to keep you on the right road. Completion of each step will build your financial foundations and confidence.
OUR FINANCIAL ADVICE PROCESS:
- Initial Financial roadmap consultation – establishing the high level overview of what is important to you and your current financial baseline, your whole picture.
- Research – the triage, organisation, investigation, and analysis
- Strategise – determining the most suitable course to achieve what you want in life
- Preparing the plan – the course of action required and prioritising the strategies
- Implementation - the steps to reach your goals and objectives
- Progress meetings – monitor and benchmark your progression towards your goals at regular intervals to maintain accountability and achievability
who we are
Naomi HorobiN CFP®
Authorised representative no. 344114
My focus is listening to clients so I can provide quality personal easy-to-understand advice. This individual advice guides clients toward achieving their lifestyle goals by enhancing their financial confidence and position. I enjoying working through the financial puzzle of our lives.
Over the last 16 years I have been providing financial advice to a diverse group of individuals bringing together strategies to assist with cashflow management and budgeting, wealth creation, superannuation advice, retirement planning and income streams, Centrelink and DVA, estate planning, asset and lifestyle protection. In providing holistic solutions I connect you to a team of specialist professionals.
Being independent, I have no restrictions on which products I select for clients. I can recommend virtually any option available to Australian investors based on client’s objective, suitability and product quality removing any possible influence by commissions, soft dollar arrangements or contractual sales obligations.
I gained my Certified Financial Planner® designation in 2007 and am a member of the Financial Planner Association (FPA) of Australia. I hold an Advanced diploma of Financial Planning along with a Bachelor of Applied Science.
Away from the office I enjoy cooking, travel, and motorsports.
Clover Financial Group Pty Ltd
corporate authorised representative 1249077 of Independent Financial Advisers Australia Pty Ltd AFSL 464629
ABN 72 613 747 694
Address PO Box 4122, KINGSTON ACT 2604
Phone 0418 972 481