Here’s the thing: everyone’s situation is different. Sometimes the differences are obvious—like family setup, your job or your income. Other times, they’re more subtle, like how comfortable you are with risk, or what your long-term goals look like.
That’s why getting advice—especially financial advice—that’s tailored to you and you alone, is so important.
It’s not enough to follow advice that worked well for someone else. In fact, acting on advice that was meant for someone else will often put you in a worse position than if you’d taken no action at all.
That might be great advice for them, but if it doesn’t fit your life and the subtle differences between you and that person. It could be your age, your occupation, your gender, medical history, smoking status, level of income, how many kids you have or even just how tall you are, it could steer you in the wrong direction.
That’s basically why my job exists.
My role is to understand people’s situations in detail—what they’re trying to achieve, what’s important to them, and what they’re already doing—and then figure out how best to help. I look at the full picture, and I help people put the right plan in place based on their goals, their priorities, and their life. And then I help them implement it in a timely manner so that it’s still relevant. And then? We review it. As often as they want to, or at least every 12 months, to make sure it’s still the best advice for them.
It’s easy to think financial advice is just about picking the right product, but really, it’s about strategy. And that strategy needs to be built around you.
I don’t know the first thing about building a house, or doing surgery, or running a restaurant. So I wouldn’t expect someone in those fields to be across the ins and outs of financial products either. Even if they’re someone you respect or trust, if they’re not working in this space every day, their advice might not be the right fit.
On top of that, advisers like me are required to keep our knowledge up to date. We have minimum hours of training and upskilling we have to complete every year—so the advice we’re giving isn’t just based on experience, it’s also based on the most current information available.
So yeah, advice matters. But personalised advice matters even more.
If you're making decisions about insurance, income protection, investing, or anything to do with your financial future, make sure the advice you’re acting on is actually designed for you. It makes all the difference.
