Understand and trust your advice
The navigation, translation and review service that helps you relax and benefit from your financial advice.
Why work with us?
25 years of financial services experience
15 years of financial planning experience
Multi-award winning financial planner
Advanced Diploma of Financial Services (FP)
Member of the FPA and AFA (non-practitioner)
Focused on helping clients achieve "financial relaxation"
Save time and money by getting it right first time
WELCOME TO INSIDER OUT
The navigation, translation, and review service that helps you relax and benefit from your financial advice.
Financial Advice can be confusing and expensive. When you consider or receive advice, you probably ask these questions:
- Who can I trust?
- How does it work?
- How much should it cost?
- Is it worth it?
- What does all that stuff mean?
- Do I have enough money to bother?
I can answer those questions and more by reviewing your advice and independently assessing the quality of the advice and the suitability to your personal circumstances.
WHAT MAKES US DIFFERENT?
Understand & Trust your Advice
A new concept in the financial advice world, where everyday people no longer need to be scared, anxious and confused about financial advice anymore.
This pro-advice service understands how beneficial good advice can be, especially when the advice recipient is trusting and understands the what, why and how without feeling judged. Spending hundreds can save you thousands if you utilise this service to navigate, translate and review your advice. Then you can relax…
Our Services
What we offer
SEEK ADVICE
Everyday People
If you have obtained financial advice and aren’t sure it’s right for you, I can assess and help you decide if the options are right for you. It will be a chance to ask all the tricky questions about financial advice before you jump in. Wouldn’t you love to feel in control, empowered, and confident when you take that step to seek advice? I have been on the inside, I know the answers, I have heard most (if not all) of your questions before.
But you won’t be offending me, I work for You, not the people you are ultimately going to receive advice from. Find out the what, why and how – then go forward with style and confidence. And if you are still not sure, I can give you an experienced, coal-face opinion on your advice once it is prepared so you can ask questions, clarify your options, and navigate and translate what you are going to be doing. Then you can go on and implement your advice and… relax!.
OFFER ADVICE
For Advisers
How many times have you seen a client who you know you can help, but they just aren’t sure? You know you can add value, make them safer and more secure, and help them achieve their goals, but there is just something that you can’t get across. They are being influenced by the media headlines, the Royal Commission scare factor, the stories they have heard. It’s not necessarily you, they are just not experienced enough with the process to know if they can trust you or not, and as you know, it is a big commitment. You have time pressures, you have cost pressures, you know you do a good job, it’s your passion after all. You wouldn’t be putting up with the compliance, the community negativity, the ongoing study commitments, if you didn’t want to make a difference. Let us help you help them. Save time, feel great, and get the commitments to advice you deserve.
MEDIA & PRESS
Public Speaking
Melinda has experience with TV, Radio, Podcasts and Public Speaking.
She has been published in magazines, newspapers and industry newsletters. Melinda is an advocate for good advice, and an advocate for consumers getting good advice, but hates corruption, bad advice, and people being ripped off.
If you want information on the industry from an Insider who is now outside, give me a yell!
Sick of being considered to be working for the devil as an adviser, she wants advice to improve, and is happy to tell the stories that need to be told.
HOW WE DO IT?
We do not provide financial advice, instead we help you understand and trust your advice independently without bias or kickbacks.
This can actually save you money, by getting it right the first time, and by making confident decisions without procrastinating.
We don’t mind if you have had advice before or not. We don’t mind who your adviser is. We don’t expect you to know much about advice. We don’t expect you to be rich.
why WE DO IT?
Good Financial advice changes lives, unfortunately so does bad financial advice. And no financial advice can be just as costly as bad financial advice.
The most fun I had when I was providing financial advice, was when the clients sat back in their chair, their shoulders dropped, their frowns disappeared, and they just said “Phew!”
Read more
The smiles on their faces when they knew what they could afford to do and when, and what actions they needed to take to get there, was the reward that kept me going back and dealing with the long hours, paperwork, and general negativity around financial advice in our society.
To achieve financial relaxation so you can focus on the important things in life; like your family, your career, your retirement, your holidays, your health – you need to have expert advice from someone who is up to date with all of the strategies, structures, and ways to make the most of the hard work you do. Generally, a financial adviser will be your best option, however it is not as easy as it sounds to get good financial advice.
There are not enough advisers in Australia.
Costs can be high due to legislative burdens, Professional Indemnity Insurance costs, staff costs, training costs, and the research time involved in providing quality advice.
So do you just try to do it yourself? Google it? Ask someone you know how they did it?
And what do you ask? And why is it so difficult? And how does it all work?
You don’t want to tell all your friends and family all of your personal information, and your situation is virtually guaranteed to be different to everyone else’s in some ways, so how do you find the right solution?
This is the reason why we need this missing link. The step between you and financial advice. The navigation, translation and review service that helps you relax and benefit from your financial advice.
TESTIMONIAL
Why it’s important?
“Prior to this engagement with a financial advisor I had little to no knowledge of financial planning and investments. When I received my statement of advice from my advisor I was quite overwhelmed and had absolutely no idea if it was good or bad advice because it was the first statement of advice I had ever seen.
Mel’s help was invaluable, not only bringing my attention to potential concerns in the advice, but also educating me in the process about what it all means so that I have more confidence knowing what I’m doing when I speak with my advisor. With Mel’s help I was able to get my advice amended to a state where I was comfortable with it and am now proceeding with my advisor with peace of mind”
– Nick
SERVICES
How I can help
Enquire about our services – Free If you wish to discuss how we can help you and get more information on what we do, please contact us via email or book a free meeting on our facebook page. e.g. Will you tell me how to find a financial planner?
SEEK
Phone or Email Opinion
30 minutes – $70
1 hour – $120
I can answer your Financial Planning queries via phone or email. Get all of your personal queries answered so you can take the next step to advice with confidence. I will explain the process, average costs, some of the risks, and reasons advice could help you make the most of your opportunities.
Example scenario: “I am looking for assistance with superannuation contributions, will it be worthwhile seeing a financial adviser, or should I just google it?”
The one hour session is more suitable if you think you have more complex queries around advice and what you need to look for, and wish to be certain going forward with advice is for you. e.g. I want to buy an investment property, who do I contact first, and how do I know it will be worth doing?
Example scenario: “I am looking for assistance with superannuation contributions, is it worthwhile seeing a financial adviser, or should I just google it?”
ASSESS
Detailed Opinion
3 hours – $290
I will provide an opinion on your advice through a thorough discussion with you and then detailed written opinion of your advice document.
If you take or have taken the next step and had a Statement of Advice prepared, I can provide an independent opinion on whether your advice is suitable for your needs.
I will talk to you first, then tell you what we consider are the good parts, answer your questions, and help you query anything that may not look quite right, so you can clarify, question and understand your advice and move forward with confidence.
Example scenario: I have a document telling me to change my super fund, make superannuation contributions, and then retire in 1 year. How do I know the advice makes sense?
GUIDE
Attend Appointment & Opinion
4 hours – $490 (plus travel)
I will accompany you to your initial appointment in Melbourne and prepare an opinion on your advice when it is provided.
If you don’t want to go alone, I will attend your first meeting with you, ask questions for you, and help you understand the process.
Then once you have received your advice, I will provide a Detailed Opinion as outlined in package 2.
This comprehensive package option ensures you have peace of mind from start through to finish, as I guide you through the process and explain things along the way.
Then you can move forward with your advice knowing that you have made the right choice for your future and that of your family.
Example scenario: “I don’t know what to ask, I don’t want to look stupid, I don’t know how it works, but I want to get advice”
Blog
Financial Resources and News
Read about my personal experiences as an insider within the financial world.
How Dare You?
Good advice is out there. Need help finding it? Have a look at this article in ifa magazine for some of my opinions. Financial Relaxation is worth the effort of finding good advice....
DON’T FREAK OUT!
Wow, just wow right? Who would have thought that with everything going on in the world, people would be threatening violence over trying to buy bulk toilet rolls and for no real reason? Social media does have a lot to answer for here, but so does regular media, human...
How Dare You?
Good advice is out there. Need help finding it? Have a look at this article in ifa magazine for some of my opinions. Financial Relaxation is worth the effort of finding good advice....
It feels wrong, but is it actually alright?
The smoke haze is distressing, and we are only 20 kms from Melbourne CBD, nowhere near the fires, nowhere near the disaster areas. This haze is a mild annoyance to us, but it is enough for us to feel empathy for those who are really suffering. And increasingly as well...
Contact
Get In Touch
Send me a message and I'll be in touch ASAP.
