If “YES” then “Let’s make it happen” We are very enthusiastic, passionate and serious - we hope you seriously consider and take action now before its all too late.

As an adviser with 28 years global experience we are fully ASIC qualified in Finance, Financial Planning, Self Managed Super Funds, Risk Insurance and Real Estate, hence we can offer this service. Take the AFC challenge before it’s all too late.

a)We will do a full comprehensive review of your total existing financial situation so you can have peace of mind knowing whether your Bank/Financial adviser is or is not looking after your own interests. A review fee of $550 applies (this must be paid upfront) .We do not offer free advice.Should you seek advice and not proceed you must pay us $330 as a consultancy fee  to pay for our time. There are no exceptions.

This will help establish one of two things:

a)You know you are either on the path to financial freedom and there is no savings you can make further or

b)You are on the path to financial stress due to poor financial advice and corrective measures are put in place immediately. We can take over your total financial portfolio and drastically reduce fees you are presently paying to your adviser.

Most consumers without knowing it are losing tens of thousands. That is why we are giving you the option do something about it because we care to save you as much as possible.

 FACTS ABOUT AFC

ü Boutique financial services company + 28 years Global Senior Management Experience + Holistic advice+ ASIC Compliant offering advice on Finance, Financial Planning, Self Managed Super Funds, Risk Insurance & Real Estate

ü We have in-depth financial knowledge. Knowledge is power and strength. Our knowledge has come from having studied the latest upgrades and worked in all areas of Banking namely Trade Finance, Operations, Audit, Lending, Treasury to name a few.

ü We always put client interests ahead of our own as we do not have the pressure of Franchise fees, Shareholders return, high overheads and Sales targets.

  Why deal with AFC?

ü Largest choice of products - Finance, Financial Planning, Insurance, Real Estate. Help you to find a better product saving you tens of thousands

  ü Save you tens of thousands over the long term because of better choice- improve your cash flow

ü For exactly the same deal you get from a Bank/insurance company we guarantee to do it cheaper for Life Insurance, Total & Permanent Disability, Income Protection, Trauma & Business insurance. We will beat any internet or TV offer

ü We can review your total financial situation for a small fee and put appropriate strategies in place to save you more.

 Benefits of dealing with AFC 

ü We have the unique ability to optimise successful outcomes using our high level of expertise

ü Ability to offer instant financial solutions because of our expertise and knowledge across a range of financial services. We have developed a reputation over the years for fixing the mistakes/mess from receiving incompetent advice.

ü Ability to sort serious Cashflow problems by using innovative techniques and our in-depth knowledge and expertise to help put you on the path of recovery.

ü If you failed getting finance or are a past discharged bankrupt seeking finance we can use our panel of lenders to help optimise your success. To date we have a very high success rate.

ü We have access to the one of the largest and broadest panel of Fund Managers, Insurance companies, Residential & Commercial Funders, Financial Institutions, non-banks; developers.This gives you peace of mind knowing you have the broadest choice and the most competitive product. 

 Facts regarding Advisers

 ü As a consumer you are fully responsible for decisions you make. Research/make enquiries regarding the background/experience of the adviser you deal with. Just because the adviser sits in a large corporate office, accounting firm, family friend or financial institution does not guarantee good, qualified and honest advice.

ü Not all advisers have the same level of experience.

ü Large Financial Institutions, Corporate and Accounting firms fail to pay the value for highly qualified financial experts. This is why we run our own business.Corporate profits/Shareholders return is their main consideration.What hope do you have of finding consultants of our calibre?

Do’s and Don’ts

ü Don’t get cheated by advertising on television.You should always seek advice before buying Insurance as you do not want surprises when it comes to claim times.

ü It takes years to reverse a costly mistake and can create financial and emotional stress. Always seek professional financial advice.

ü A little knowledge can be very dangerous. Never try and think you can do it yourself because you are educated in your own field of work.The internet can be misleading.

ü Trying to save a little money upfront will cost you hugely over time for poor decisions made.

ü We are qualified to offer you the best possible advice which delivers large benefits to you and you alone.

ü With wrong advice you end up paying more tax, have less in retirement/Super and end up on the pension.

ü Don’t leave it till last minute. The key to financial well being is starting early.

  Fees and Charges

 ü We do not offer free consultancy services

ü We charge $330 for a Financial Planning initial visit (this entitles you to 2.5hours of our time at our office) we will subsequently charge $110 per hour. This must be paid up front.

ü If you just seeking general advice we will charge you $110 per hour. If you want us to visit your home it will cost $220 for first hour and subsequently $110 per hour. This must be paid up front.

ü We do offer peicemeal services, specific to your needs and requirements. Please ask us for a quote. It all depends on the type of transaction/service and time involved.

ü We do offer quotes after  you have done  all your research.Please let us know the best deal (this must be a written quote) and we will attempt to beat it.

ü You get what you pay for. You pay nothing you get poor advice which will cost you hugely in the long run. 

General Advice Warning

The information contained within this website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, Aloysius Fernandes and Australian Financial Checkline Pty Ltd will not bear responsibility or liability for any action taken by any person, persons, or organisation on the purported basis of information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should satisfy themselves independently of the appropriateness of such action.