“I have no hesitation in recommending your services to all.”

Well so ends another financial year which now co–incides with another anniversary of my retirement. It is now my 3rd anniversary. Previous to my retirement I was your client for many years, still am and will still be. Growing up I was taught a lot about investing and how money works by my father and had also self educated myself about the same..

The one important fact that my father taught me from when I started work at 17 was to seek professional advice when it comes to investing. It is now my advice to family, friends and people I meet that: For one’s personal health you go to a medical professional ( a doctor). So for one’s financial health you should also go to a professional (such as ELM). With your advice and guidance over many years I was in a position that I was able to retire at the age of 59. You both take great care that your clients understand exactly what your plans for them are. How to achieve the desired outcome they wish for themselves. I can’t thank you both enough in what you have done for me. I have no hesitation in recommending your services to all.

— David Annear.

“The level of professionalism is excellent and the staff are very friendly and treat you more like family than ‘just another client’.”

My wife and I are both extremely happy with the service and knowledge provided by ELM Retirement. I first went there two years ago to enquire about retirement planning options and haven’t looked back since.

The level of professionalism is excellent and the staff are very friendly and treat you more like family than ‘just another client’. We have recommended ELM to a few of our friends, who are just as happy as we are with the service provided.

If you are after a retirement planning ‘friend’ you can’t go past ELM for the care and time given to personally put you at ease and help you through the sometimes daunting process of leaving the workforce and entering the best years of your life… keep up the good work ladies.

— Martin & Amanda Mackowski.

“We have already recommended ELM to friends and colleagues.”

From the moment we first met with the staff at ELM Retirement Care we knew that they genuinely wanted to assist us in our retirement, and that they were intent on making our superannuation provide for us for as long as possible. We have had appointments with other financial advisors who were never forthcoming with detailed advice but rather gave general information. We always came away from those meetings feeling we didn’t have enough invested in superannuation to make it worthwhile for them to take us on as clients.

ELM on the other hand gave us succinct and accurate advice and explained to us clearly the best way forward. We now fully understand how much super pension we will receive and also what Centrelink entitlements we qualify for. We trust ELM and are confident we will continue a good working relationship. We have already recommended ELM to friends and colleagues.

— Phil & Vonnie Jones.

“Emily is clearly an expert in her field.”

We first met Emily when we were looking for someone that could help us plan for our retirement. That was several years ago now and we are so pleased that we made the decision to entrust Emily with making sure we are financially secure both now and in the future.

Emily is clearly an expert in her field and is generous with her time and attentive to her clients. In between our regular meetings, just a quick call or email, often through her efficient and friendly colleague Ashley, results in any new questions and dilemmas being responded to in an efficient and comprehensive manner.

Thanks to Emily we have an understanding of our financial situation and most importantly feel confident about our future.

— Noel & Julie Oliver.

“Em provides advice based on ‘US’ and our expectations for our future…”

My husband and I always feel as though we are the only clients Em has, she gives her time unselfishly and understands our circumstances beyond just financial.  We feel secure that every conversation we have with Em is confidential and received generously so that she can consider our ‘big picture’ when providing financial guidance.  Em provides advice based on ‘US’ and our expectations for our future as opposed to a previous experience we had prior to our association with ELM which provided generalised market advice based on assumptions which did not always align with our expectations or aspirations for retirement.  Retirement is daunting and the thought of no regular income is challenging for us.

My husband, an old fashioned man, has been reluctant to fully commit his confidence in ELM as an essential requirement to manage his superannuation.  Em has rallied to this challenge and continues to work with him and myself to allay his fears of the unknown of the ever changing financial mine field. I also appreciate that ELM’s business model is only retirement which reassures me that the advice and guidance we receive will be researched to provide relevant and up-to-date information for our demographic.  We look forward to a long and continuing financially beneficial association with ELM Retirement.

— Shan White.

“Thank you for welcoming me to the ELM family”

It has been quite a journey to date, but to have found a group such as yours to entrust with my financial security through my retirement is a blessing.

After my comprehensive planning meetings with Michael and my interactions with the ELM team, I am super confident I have made a great decision not just from the financial perspective but also formulating a wonderful partnership for the future with your company.

Thanks again so much, I look forward to future interactions and a long association.

- Danny Richardson

“My funds have increased” 

Emily makes me feel safe. Retiring is scary - no salary income coming in and the future uncertain. By having regular conversations and contact with her, I have learnt a lot about my investments and am very happy with the spread. My funds have increased – even with pension payments. She has removed the stress of procuring a health care card and seniors card. I feel though, the most important aspect of being an ELM client is my relationship with Emily and Ashley. Emily is genuinely interested in my life and while she is always professional, I feel a strong connection to her.

— Pip Manson.