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Insurance Advice Philosophy

Purpose

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Our philosophy is to provide clear, ethical, and client-focused insurance advice that empowers individuals and businesses to make informed decisions about protecting.

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​Core Principles

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  1. Client-Centric Approach

    • Every recommendation is tailored to the client’s unique needs, goals, and circumstances.

    • We prioritize transparency and simplicity to ensure clients understand their options.

  2. Integrity and Compliance

    • Advice is delivered in line with regulatory standards and industry best practices.

    • We act with honesty and fairness, avoiding conflicts of interest.

  3. Education and Empowerment

    • We believe informed clients make better decisions.

    • Our role is to explain complex insurance concepts in clear, practical terms.

  4. Long-Term Value

    • Insurance is not just a product—it’s a strategy for financial resilience.

    • We focus on sustainable solutions that adapt as life changes.

  5. Risk Management and Protection

    • Our advice aims to safeguard clients against financial uncertainty.

    • We balance affordability with adequate coverage to ensure peace of mind.

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​Ethical Standards and Duty of Care

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  • Act in the Client’s Best Interest:
    We place client needs above all else, ensuring recommendations are suitable and aligned with their objectives.

  • Transparency and Disclosure:
    We clearly communicate all costs, benefits, limitations, and potential risks associated with insurance products.

  • Confidentiality:
    Client information is handled with the highest level of privacy and security.

  • Professional Competence:
    We commit to ongoing education and training to maintain expertise and deliver accurate, up-to-date advice.

  • Accountability:
    We take responsibility for the advice provided and maintain clear records for compliance and client assurance.

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Our Commitment

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  • Listen first: Understand client priorities before recommending solutions.

  • Be transparent: Explain costs, benefits, and limitations clearly.

  • Review regularly: Ensure coverage remains relevant as circumstances evolve.

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Stu Varidel AR 324007 and Your Choice Financial Planning Pty Ltd ABN 80124246877 trading as Heart Financial Advisers CAR 323623 are authorised representatives of Sentry Advice Pty Ltd  AFSL 227748.

Disclaimer:​

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The information contained in this website and any of the resources available through it including eBooks, fact sheets and seminars ('Content') has been prepared for general information purposes only and is not (and cannot be construed or relied upon) as personal advice. No investment objectives, financial circumstances, or needs of any individual have been taken into consideration in the preparation of the Content. Financial products entail risk of loss, may rise and fall, and are impacted by a range of market economic factors, and you should always obtain professional advice to ensure trading or investing in such products is suitable for your circumstances.

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Under no circumstance will any of Your Choice Financial Planning Pty Ltd trading as Heart Financial Advisers, Sentry Advice Pty Ltd, its officers, representative, associates, or agents be liable for any loss or damage, whether direct, incidental, or consequential, caused by reliance on our use of the Content. This Content is restricted to Australian residents and is for the intended recipient only. From time to time, representatives or associates may hold interests in or transact in companies or products mentioned herein, and may receive fees or other benefits, in connection with the making of any recommendation or facilitating a transaction. ALL Rights Reserved. 

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