My goal is to be your primary advisor. I aim to be your go to person, your first port of call on money matters, as your trusted advisor. Consilium Advice Pty Ltd was recently established by Australian Advisory Group and my license was transferred to them to maintain my client liaison and assist me with back-office services to achieve that goal.

“Holistic Advice”: Littlewood Financial Advisers provides combined, holistic financial and life risk advice as well as advice on investment, insurance , superannuation, income protection and other life matters relevant to the scope of advice’.

Definition of “holistic” is “relating to a whole”. It means including or involving all of something, especially all of somebody’s physical, mental, and social conditions, not just physical symptoms in the treatment of illness.“Holistic approach in financial planning” means that a planner will discuss client(s) life goals and produce a detailed financial plan known as a Statement of Advice (SoA) to help them achieve their goals.

Let me shortly explain the difference between an ‘adviser’ and an ‘accountant’. It’s all about achieving life goals. Planners and accountants help people manage their financial affairs but have quite distinct roles. In the past, people may have thought about consulting a financial planner only if they had a lump sum, but these days planners help people build their wealth, assist with Government Agencies such as Centrelink, and assist them to protect their families in times of need.

Financial advisers/planners are trained to take a more holistic approach to their clients’ finances than accountants. Rather than doing your tax return or offering small business advice, planners will discuss your life goals and produce a financial plan to help achieve them. This will generally involve investing in a portfolio of managed funds. However, planners may also look at estate planning and ways to protect clients’ assets. At Littlewood Financial Advisers, we use the assets of an accountancy practice, namely Scott Elsley & Associates, with whom we work, to assist in the planning and tax related matters.

An holistic approach gives us more flexibility and expands your options by shifting your initial focus toward the bigger picture. The advisers who take an holistic approach can both add value to their clients’ financial lives and differentiate themselves from the pack.