Financial Planning at Mortgage Choice at Sutherland

February 03, 2014
Maureen Johnson

Investing in Your Future

In exciting news for 2014 we are delighted to announce that we now have a financial planner at Sutherland. Meet Ciaran Davis who joins our team and shares our goals in empowering all our clients with the information and education to have financial security.

Ciaran is so enthused by Australia, its people and its way of life that he and his wife made the ultimate commitment in August 2013 by moving their family of quadruplets out here for good.You can find lots of information about Ciaran's background and impressive qualifications on the Financial Planning page on this website but in the meantime, here are a few thoughts from the expert on his new role.

On the Couch with Ciaran Davis

"The interesting thing about Financial Planning and Australians is that the education is still waiting to be done here. The industry in the UK is much more mature. Most people there have realised that they can't rely on successive governments for anything other than the mere basics when they retire. It's been a hard lesson. No one wants to work hard all their life believing their financial future is secure, only to discover they have little control over that future when the time comes.

Personal responsibility is an accepted reality in the UK. Regardless of future governments and policies it is the only sure way of securing your family's financial wellbeing on your terms.

Conversely in Australia the most popular current credit strategy involves taking out a 30 year mortgage with no concrete plan to make that work beyond 'downsizing'. The reality is that property could be an illiquid investment if not in a 'boom' and future generations are not going to be able to downsize en masse and get the same return.

The good news is that unlike your UK cousins, Australians have been trail blazers in the world of Superannuation. Employers in this country have been contributing to super funds since the late 1980s. Employer contributions in the UK were only introduced 2 years ago.The trick for most Aussies now is to consolidate that excellent framework by being proactive in terms of monitoring your funds' charges and performance. Education and advice are paramount to this process.

That's where I come in. I can also assist you in protecting your standard of living. In my experience 90% of clients who are certain their Risk within Super is adequate are shocked when they actually do the real figures.

I'm excited by my new role. I love people and I love numbers. I'm thrilled by the challenges ahead and the part I might play in the lifetime financial journeys of Sutherland's valued clients. I'm delighted to be part of such an ethical, caring team so dedicated to educating their clients about their financial wellbeing that they have invested in a financial planning business to complement the wonderful brokering services they already provide.You'll find me here at Sutherland all week. Come in and see me or give me a call. I look forward to meeting you."

Posted in: Financial planning

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