Here for the Long Haul

Updated: Dec 11, 2019

If you read the media headlines, you'll read that thousands of financial advisers have left the profession. Their reason? Over-regulation, increasing costs, loss of income, increased education standards, increased complexity, monumental compliance burden and ongoing negative sentiment headwinds from the wider public and media. I won’t for a moment sugar coat the facts. Now is a very difficult time for the financial planning profession.

Sadly, there are stories of advisers who have taken their own lives, of those that have lost their homes, their livelihood's and families; at the same time of their career, many others would consider thinking of retirement or going back to university or a change of career. Indeed, the profession is hurting very badly.

Call me crazy or simply plain dumb for choosing this path however I believe the outcome will result in something better for me and all my clients. So as for me, I’m not quitting. In fact, I’m very excited and looking forward to sticking around. Around for a very long time and here is why:

I’m no dinosaur.

I’m 51, not 67 and even if I was ever eligible for the age pension, it’s still a very long way away! And between now and then I’m extremely confident the government will again extend the age to an even later access age. I’m young enough to adapt and my combined experience and education support my growth. Furthermore, I really enjoy helping my clients achieve and celebrate their major milestones, financial and personal.

It’s my calling

Yep! It’s my purpose or my “why”… Learning about money, helping others become better with their money and doing this over and over together and archiving our bigger goals and dreams i.e. making a difference, It’s who I am, it is my every breath and every heartbeat. This "helping others and learning more" is what I look forward to doing each and every day and have done so since I decided to become a financial adviser.

Fact #1 Life always gets harder.

In life, I’ve learnt that success is simple, but not easy. You simply need to know specifically what you want, know-how will cost and people will pay for it. There will always be a need for financial advice, and I am the man prepared to deliver it.

Complexity & Trust

Information overload, also known as infobesity, infoxication, information anxiety are unintended consequence of more choice and seek self-direction regarding decisions. The good news is we all have greater speed and access to information, the bad news is we don’t know who to trust. The truth is since the measurement of time was invented, we have never had more time and we never will have more time.

The boss.

Being your own boss means you get to work as much or as little as you choose, and I choose to work. I love my clients, and it’s my guess they probably feel the same love I do! I talk about how I am making a real difference to the lives of my clients and I look forward to continuing on the long haul!

Stu Varidel and Your Choice Financial Planning Pty Ltd trading as Heart Financial Advisers are authorised representatives of Sentry Financial Services Pty Ltd.

Stu Varidel and Your Choice Financial Planning Pty Ltd trading as Heart Financial Advisers are authorised representatives of Sentry Financial Services Pty Ltd.

The information contained herein is of a general nature only and does not constitute advice. You should not act on any information without considering your personal needs, circumstances and objectives. We recommend you obtain professional financial advice specific to your circumstances. The views expressed here are not ours. While the information contained in this article may contain or be based on information obtained from sources believed to be reliable, it may not have been independently verified. Where information contained in this publication contains material provided directly by third parties it is given in good faith and has been derived from sources believed to be accurate at its issue date.  To the maximum extent permitted by law: no guarantee, representation or warranty is given that any information or advice in this publication is complete, accurate, up to date or fit for any purpose; and no party or associated entities as mentioned is in any way liable to you (including for negligence) in respect of any reliance upon such information. This article may also contain links to websites operated by third parties who are not related to us. These links are provided for convenience only and do not represent any endorsement or approval by us.

13 views0 comments

Heart Financial Advisers offers services in:


Townsville & Rockhampton

1300 861 143

Level 1, 25 Sturt Street, Townsville, Qld, 4810

Heart Financial Advisers       Heart Mortgage Services       Privacy Policy        Financial Services Guide       Credit Guide.         Complaints Process


Stu Varidel and Your Choice Financial Planning Pty Ltd ABN 80124246877 trading as Heart Financial Advisers are authorised representatives of Sentry Financial Services Pty Ltd ABN 30 113 531 034 & AFSL 286786 (Provides financial advice services subject to the Australian Financial Services Licence 286786)


Amanda Varidel and Your Choice Mortgage Brokers Pty Ltd atf Halo Innovation Trust trading as Heart Mortgage Services - Australian Credit Licence 386437 (Provides credit & lending services under their credit licence 386437)

Sentry Financial Services Pty Ltd does not provide credit services.

Please contact us on 1300 861 143 if you are unsure of whether you are dealing with Heart Financial Services or Heart Mortgage Services.



The information contained or referred to on this website has been compiled for the convenience of our clients, looking for information about us and the services we provide both financial advice and credit services. We have taken all reasonable care in preparing and presenting this information, but we cannot warrant that it is complete and/or accurate in all respects or fully up to date. We are not responsible for any eventualities arising from the use of the information in this website for any purpose whatsoever.


General Advice Warning The information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Adviser before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Heart Financial Advisers and Heart Mortgage Services nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.