Our Approach to Personal Financial Guidance

Our methodology is structured to provide individualised recommendations and thorough analytical reviews. We begin by understanding your unique needs and objectives, then follow a transparent, research-based process compliant with regulations.

Meet Our Experienced Financial Team

Professionals with deep expertise in analytical reviews and personalised guidance

Helen Ward

Lead Financial Analyst

Master of Applied Finance University of Sydney

Analytical review methods

Quantum Advisory Group

Certifications:

Registered Financial Practitioner Australian Market Compliance Certification

Methodologies:

Qualitative assessment review Client risk analysis process Australian regulatory framework Continuous market monitoring Consultative dialogue approach Tailored situation analysis

Key Skills:

Analytical thinking Ethical judgment Clear communication Risk assessment

Focused on providing research-driven analysis and unbiased recommendations to clients.

John Kim

Senior Guidance Consultant

Bachelor of Commerce Monash University

Client consultation adaptation

Southbank Services

Certifications:

Accredited Financial Compliance Specialist Australian Financial Guidance Award

Methodologies:

Client needs evaluation Market conditions review Regulatory compliance process Dynamic recommendation updating Independent research application

Key Skills:

Client communication Needs assessment Attention to detail Adaptability

Specialises in personal consultations and adapting recommendations to changing environments.

Emily Tran

Consultant, Analytical Reviews

Master of Finance UNSW Sydney

Detailed situation analysis

Pacific Advisory Consultants

Certifications:

Ethical Financial Guidance Certification Regulatory Compliance Practitioner

Methodologies:

Situation review process Market factor analysis Risk identification framework Australian compliance protocol Ongoing consultation methods

Key Skills:

Research analysis Clear reporting Critical reasoning Client-focused approach

Delivers transparent, detail-oriented situation reviews to support informed decision-making.

Daniel Li

Financial Recommendations Associate

Bachelor of Business RMIT University

Compliance-driven research

Eastman Advisory

Certifications:

Australian Financial Practice Award Analysis and Compliance Certificate

Methodologies:

Market data collection Regulatory document review Compliance cross-verification Personal case assessment Adaptation of recommendations

Key Skills:

Regulatory awareness Research ability Attention to accuracy Supportive teamwork

Supports the team with compliance-driven research and transparent recommendations.

How Our Process Works

Each stage is designed to ensure your experience is compliant, transparent, and tailored to your financial situation.

Initial Consultation and Discovery

We start by discussing your financial objectives, circumstances, and any specific questions you have. This step shapes the foundation for future recommendations and ensures your needs are clearly understood.

Goals Clarified

Your goals and situation are defined at the outset.

Needs Assessed

We identify what matters most to your situation.

Research and Market Review

Our team conducts independent research and market analysis, strictly aligned to regulatory standards, to inform our analytical review process.

Data Collected

Independent research supports every recommendation.

Regulation Checked

All findings are tested against compliance needs.

Preparation of Recommendations

Using our research, we deliver individualised, actionable options for your consideration. We clarify every aspect and answer your questions.

Options Presented

Tailored recommendations are shared with you.

Details Explained

All processes and reasoning are clarified.

Ongoing Review and Follow-Up

We offer ongoing support to revisit, update, and adapt recommendations as your needs and markets evolve.

Regular Check-ins

Continual reviews ensure advice stays relevant.

Updates Provided

Changes in your situation prompt new insights.

How We Differ From Others

Feature	phorunexal.com	Competitor A	Competitor B
Independently-researched recommendations
Australian regulatory compliance
No product sales or commissions
Continual process transparency