ULTIMUM FINANCIAL SERVICES WAS ESTABLISHED IN 2011 BY THE PRINCIPAL FINANCIAL ADVISER JOSEPH MIASI. WE SPECIALISE IN PROVIDING OUR CLIENTS WITH HOLISTIC ADVICE IN OUR CLIENT’S BEST INTERESTS TO MEET THEIR GOALS AND OBJECTIVES, NOW AND INTO THE FUTURE.
WE ARE NOT ALIGNED TO ANY INSTITUTION, WHICH ALLOWS US TO EXPLORE THE FINANCIAL WORLD TO SELECT INVESTMENTS THAT ARE IN THE BEST INTEREST OF OUR CLIENTS & FOCUS ON THE GOALS AND OBJECTIVES THAT MATTER TO THEM.
Our goal was to work with our clients and the other financial or legal professionals in their lives to simplify the financial planning process with an aim to provide quality, tailored advice through shared knowledge and diverse skill sets.
Our motivation has always been to understand and put our clients’ values, goals and objectives at the forefront of our advice. This allows us to provide a transparent, personalised and professional outcome that meets our client’s needs – a client first, goals based & holistic approach.
This approach allows us to provide advice to our clients that best suits their needs, and without having a sole focus on investments.
We understand very clearly that investment advice is an integral part of the financial planning process that assists in growing wealth, but unless you take a holistic approach to your planning and consider the importance of protecting your family & yourself, your assets and income, then the investment advice on its own may not be sufficient to meet your needs.
With our knowledge, understanding, strategy, and options we can provide advice to our clients that meet their needs and put them into a better position.
Our Approach
PLAN
Planning is the first step to move forward and achieve your desired retirement goals. We often hear from clients that they should have sought financial and retirement advice earlier in their lives and they hope that it is, “not too late”.
Planning is the crucial step in establishing and achieving your personal goals and objectives. A conversation with our team will provide you with an honest and transparent outcome that can help put you into a better financial position.
If you have a need or a goal, getting quality advice now is better “late” than never. The planning process is about identifying your needs and objectives and advising you if we can put you into a better financial position.
We will:
Identify your needs and objectives
Identify the subject matter of advice sought by you
Make reasonable enquiries to obtain complete and accurate information
Assess whether we, the adviser, has the expertise to provide the advice to you
Research products that might meet your needs and objectives
Base all judgements on your needs and objectives; and
Take any other step that would reasonably be regarded as being in the best interests of you
PROTECT
You have spent many years growing your wealth and we want to make sure you engage in the right conversations that give you a better understanding of your situation to help you protect your most important assets.
Unless you take a holistic approach to your financial planning and consider the importance of protecting your family, yourself, your assets, and income, the investment piece on its own may not be sufficient to meet your retirement needs.
We will discuss strategies and financial structures that will help you better understand your position and highlight the details on how we can assist you to protect you further.
GROW
Growing your wealth up until, and through your retirement plays a big part in meeting your income needs to enjoy a comfortable retirement.
We help you understand the strategies available to you and provide you with sustainable investment options that meet your preferences from simple, low-cost investments to complex and actively managed investments either for your superfund or for you as an individual.
Taking the time to understand you, and more importantly have a strong understanding of the risk you are willing to take as an investor, forms a crucial part of our processes to help you meet your goals.
This step in the financial planning process cannot be underestimated, and as your needs change, your investment preference, and the risk you are willing to take will need to be adjusted. We are here to listen to you and guide you through your journey.
Luke was amazing to deal with and very helpful. As we went through the life insurance/superannuation process, he made everything easy to understand. He was quick to reply on any questions we had. I would highly recommend Luke’s services.” Michael and Merissa Lower
WHY Ultimum Financial Services
Our team of financial planning experts at Ultimum Financial can help you to implement strategies so you can achieve the best possible outcomes for your financial future. We do this by listening and obtaining a comprehensive understanding of your unique personal circumstances, needs and objectives and consider how we can help you to achieve financial freedom.
Whether you are looking to build, protect or maintain your wealth for retirement or future generations, we will assist you to set up and maintain a financial strategy that will help you achieve your objectives in a simple, practical and tax effective way.
We strive to provide our clients with trustworthy and expert advice to assist you to navigate through simple or complex financial situation of wealth creation, superannuation, debt management, personal insurance, estate planning and we also offer a holistic advice solution to meet all your ongoing financial goals and aspirations. Our financial planners can provide personalised and tailored financial advice to individuals, couples, families, or businesses to successfully achieve desired results.
You will be able to take comfort in knowing that your financial world is on the right path and is being taken care of by financial experts that want the best possible outcomes for your future. We endeavour to build and cultivate strong relationships with each of our clients to ensure they feel comfortable, secure and confident in their financial journey with us.
At Ultimum Financial we are not incentivised or aligned with by any financial institutions or product providers. Our financial planning experts only provide personalised and tailored financial advice and solutions that we believe are truly in the best interests of our client’s future.
Our Values
Being the best - We want to bring out the best in our clients, and ourselves to achieve what is important to you
Integrity - we do the right thing by clients and speak the simple truth
Reliability - we believe in old fashioned service and sticking to our promises
