I’m a single, independent woman, I always have been, and I really don’t have any plans to change that any time soon. I adore my life and cherish the freedom I have created for myself.
I realised a long time ago that I would probably never have an additional wage in my life to help pay the rent, or help save for a house, or help pay down the mortgage. I also knew that I needed to get clearer about how money works, and to make the most of the money I could make for myself. So I started going to seminars, and reading books on economics, and realised how much I actually loved learning about this stuff. I still do! I can’t seem to pick up a book that is not relating to economics, markets or business.
At the same time as trying to learn as much as I could, I knew I needed the help of a professional to steer me along the right path, and to help me understand all the products and strategies out there. I needed a financial sounding board. So I saw three different advisers, all men, and they all told me about managed funds and margin loans, but none of them made anything any clearer for me. I really didn’t understand what they were trying tell me.
What I did understand was that it was really obvious they couldn’t have cared less about me, and it felt like a sales pitch. Funnily enough, knowing what I know now, their advice was good, I just couldn’t understand it, and I didn’t pursue it, because I had no rapport or connection with any of them.
So I decided to study and become the adviser I was looking for.
It wasn’t until I got into the industry that I found out how it worked, and didn’t work, and how aligned to products and sales targets most of the adviser are out there.
I spent my first five years in the industry working for advisers who were “selling” products based on commission, not advising what was best for the client. I tried three different salaried jobs, until I realised I was wasting my time trying to find someone to work for. The only way for me to survive as a financial adviser, was to go out on my own. I’ve just hit five years in my own business and I love it more and more every day.
I am now completely clear on who I feel I should be helping. Women.
Women, just like me, who are trying to understand their finances and move forward.
I know and believe, regardless of your relationships, you need to be financially independent. You need to take charge of your own health and you need to take charge of the health of your finances.
I make it easy, safe and comfortable for women to approach me and talk about their concerns, their goals and their dreams.
I want to help women make the most of their money, and to take the stress away.
It’s what I love, because it’s totally aligned with my personality, skills, values and ideals.
It gives me enormous satisfaction and pleasure seeing the appreciation, and the relief and confidence my tender loving financial care gives my clients.
I am constantly inspired by the women I meet.
I really can’t imagine a better way to be of service.
Life is great!
My recent studies include:
2013 Advanced Self-Managed Superannuation Funds Program (Kaplan)
2013 Self-Managed Superannuation Funds Program (Kaplan)
My educational qualifications include:
2009 Certificate IV Financial Services (Finance/Mortgage Broking)
2008 Masters with Distinction in Commerce (Financial Planning)
2004 Diploma of Financial Advising (Securities Institute)
My awards include:
Member of Golden Key International Honour Society
2008 Postgraduate Dean’s Medal for Academic Excellence
2008 Executive Dean’s Merit List
2007 Executive Dean’s Merit List
To view my Adviser Profile, click here
Licensee Details
Nicole Heales is an Authorised Representative No. 312479 of Capstone Financial Planning Pty Ltd. Capstone and Nicole Heales Financial are independently owned and operated businesses, meaning they are not owned by a fund manager, insurance company or other financial institution. This association allows choice, flexibility and autonomy in our advice, meaning we are not limited to particular products. We have a broad range of financial planning solutions to you and are focussed on providing you with the best possible solution.
Capstone Financial Planning Pty Ltd
ABN 24 093 733 969
Australian Financial Services Licence No. 223135
L 14, 461 Bourke St, Melbourne VIC 3000
Ph: 1300 306 9001300 306 900 | Email: info@capstonefp.com.au | www.capstonefp.com.au
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