Nick Alvaro
Nick Alvaro is a Managing Director of Verita Financial Solutions and has 10 years experience in the financial services industry. Nick has completed a Bachelor of Business degree and completed the Diploma of Financial Services. Nick has had previous Senior Management roles with AMP Financial Services before deciding to commence his own Financial Planning Practice in 2003. Nick has been a presenter at various industry functions and events regarding financial planning and is well regarded in the industry and amongst his peers. Nick is based in the inner west of Sydney.

Shaun Trenton
Shaun Trenton is a Managing Director of Verita Financial Solutions and has been a Financial Adviser for over 8 years and has extensive experience in the industry. Shaun has worked for various organisations and is relishing the fact that he has his own Financial Planning Practice and operates as an independently owned Financial Planner through Verita Financial Solutions. Shaun is based in the northern suburbs of Melbourne.

Nick and Shaun have built a business based on trust. Nick and Shaun do not advertise at all. Financial Planning clients are referred to Nick and Shaun by other professionals including Accountants, Solicitors, other Financial Planners, Mortgage Brokers and existing clients. Nick and Shaun pride themselves on offering a high level of advice, service and trust. Both Nick and Shaun have very successful businesses based on these principles and plan to thrive well into the future.

The Financial Planning Process - Our Approach
At your initial meeting, your Verita Financial Adviser will spend time exploring your personal financial position. Your adviser will help you identify:

1. your financial and lifestyle goals

2. your attitude to investment risk

With your consent, your Verita Financial Solutions Adviser will then create a personal investment and insurance plan. This will be in the form of a Statement of Advice which will take into account your risk profile, as well as your personal goals and investment time frame.

In agreement with you, your adviser will then implement the recommendations.

The financial planning process generally involves the following steps:

1. Gathering your financial data - such as details on your income, debt level, commitments, etc.

2. Identifying your goals

3. Identifying any financial issues - or deficiencies between where you are now financially and where you want to be.

4. Preparing your financial plan - which will identify recommended investments, insurance, superannuation etc and will take into account the information discussed above and including your attitude to risk

5. Implementing your financial plan

6. Reviewing and revising your plan - to ensure it stays up-to-date and relevant to the economic climate and your changing lifestyle.

Changes in the economy, legislation and your personal circumstances may impact your plan. To keep your financial plan up-to-date we recommend regular reviews. Your financial adviser can discuss a service strategy and schedule reviews to suit your needs.