Concept Wealth Solutions financial planning is proud to have helped many Australians to grow their financial wealth through financial planning advice. Finding a financial planner you can trust and build a relationship with can be a difficult process so before taking the next step to making an appointment with one of our financial planners, you might like to first read some of our feedback and reviews from some of our financial planning clients.
Below are just some comments about us from just some of our financial planning clients about their experience with our financial planners:
We were referred to a financial planner at Concept Wealth Solutions by a friend of ours. We are so glad that we contacted them. We can honestly say that booking that first appointment was a turning point in our lives.
Patrick & Louise, NSW
I have been extremely happy with the service Concept Wealth Solutions have provided. I would gladly recommend them to anyone wanting a truly talented group of financial planners on their side.
We cannot thank you enough for your fantastic investment advice. We could not have imagined 4 years ago that our $40,000 investment would now be worth $250,000. Thank you to our financial planner!
Sid & Melanie, NSW
I am a developer that thought the world was heaven until I reached the age of around 40. My world turned to hell when I got diagnosed with severe depression. This is an illness that came out of nowhere and I did not understand it. The more I fought it the worse I got. My illness cost me my wife, my business and sadly my health and happiness. I was gone…. I could not afford to pay my bills or even my insurance policy’s any more. I was too proud to make a claim.
My advisor Ivan Bakin saved me. He and the team at AIA have been so helpful and supportive that I would not be on this path to recovery without them. Ivan has gone over and above what I consider his requirements would be, so much so that I consider him a friend. Thank you Ivan!
When I just gave up and didn’t care and could not work Ivan’s’ response was “its ok buddy that’s what you pay insurance for, leave it with me and I’ll see what I can do”. You see I was not working for around 5 months due to my illness and due to the fact that I was not under the care of a doctor I did not meet the terms of the income protection policy. There was no real proof that I was in fact disabled. Ivan discussed my case with the insurance company and on his word they showed empathy and to my surprise within 2 hours had a cheque being wired to my account. I was in shock. The money does not fix the problem but it helps take a lot of pressure off so I can put my energy in recovery. I thank you Ivan and AIA for the support and help you have and are still giving me. I have been in some very dark places and I hate to think where I would be without your support. The battle is not won yet but there is a clear vision of where I am heading.
Ivan Bakin is not your average insurance broker: he actually cares about his clients. When I was diagnosed with a long term, but ultimately terminal illness, Ivan took it upon himself to negotiate an early partial payout with my life insurance company. His persistence and tenacity resulted in a payout that helped tremendously at a time of great stress for me and my family. As a result of Ivan’s efforts, the life insurance company has changed its policies so that clients diagnosed with a terminal illness will not only have access to a partial payment of their life insurance but will have to pay no further premiums. (Note a terminal illness will only be paid if a doctor diagnosis a life insured with 12 months or less to live, as my expectancy was more than 12 months a payout would not have been paid.) Ivan did not gain any financial benefit whatsoever in performing this service but by doing it he has shown he cares, and has earned the gratitude of myself and others in a similar position.
Derek Ruddock, Wahroonga
Being relatively young, in great health and eternally optimistic, we were shocked to see a spate of good friends experience accidents, shock illnesses and also death. In seeing the differences of how these families coped emotionally and financially with/without insurance was a real eye-opener.
We were referred by a friend to Ivan Bakin from AON. In an increasingly automated, faceless world it came as a pleasant surprise to have the person with the answers, answer the phone. Ivan’s personable nature made the tedious necessity of insurance, effortless. His ability to source, provide options and discuss solutions to suit our family’s particular needs and budget has always been appropriately met.
Much to our horror, I became ill with breast cancer. Not something I would have thought given my age (41), no family history of breast cancer and in great health. A further fifteen months later it returned in my lung and bones. The stress to our family was enormous. Aside from the obvious emotional strains on everyone, financially the burden was becoming greater and emotions were snowballing. I could no longer work in my business and my husband had to stop working to look after me and our children.
Thankfully and gratefully, a call to Ivan had him tirelessly work with the Insurer on what became an unusually unique and difficult case (through no fault of Ivan’s or the Insurer) but a medical technicality. Ivan’s empathy, optimism and determinedness combined with the Insurer’s sympathetic understanding and concerted effort ensured we received our claim. Life is unpredictable. It peaks and it troughs. I am grateful that it is peaking once again.
Ivan, You have been a life saver for me, the best thing I have ever done was to cancel my policy with my old insurer. I thought I was getting a good deal until you told me about a better policy which pays until the age of 65. The policy I had only pays for 1 year. In my case, 1 year after I took out the new insurance policy I had a fall playing soccer in the park with my kids and have been receiving around $6300 per month from the insurer since ( I have received about $130,000 since my accident ). Also my disability could continue until I’m 65 if my back doesn’t get back to normal.
All I can say is that you need good luck if you are insured with the old insurer that I had, but being with my new cover that Ivan tailored for me has been a God Send.
John S, Enfield
We all think it will never happen to me. “Did you hear about poor so and so …” or “I am too young to get sick….” With the blessing of Julie I would like to tell you a story that shows….yes! It can happen to me!
Julie was a client (and she became a friend) of mine for 5 years . A hard working mother of 2 with a career in the hospital industry. At the age of 40 Julie was struck down with a stroke and sent to hospital. The doctors did every test you can imagine to find the cause. If a stroke was not hard enough to deal with, Julie was then diagnosed with ovarian cancer a week later. Lying in hospital, unable to move part of her body and unable to speak properly one can only imagine what was going through her head.
Fortunately Julie had trauma cover and income protection insurance. The trauma insurance was able to pay her a substantial amount of money so she did not have to worry about excess out of pocket expenses, the mortgage payments or any excess medical expenses.
Her income protection also paid her salary from day one due to her condition. With this insurance in place, Julie and her family were able to concentrate on what was important….getting better. There was no talk about selling the home or digging into the mortgage to cover any shortfall in expenses.
I bring you this story because many of us think that income protection or workers compensation insurance will be enough to take care of us in the event of a traumatic condition. Trauma insurance is undervalued in this country. Julie’s condition is not uncommon in today’s society, trauma insurance and life insurance made it manageable.
We think of cancer and stroke happening someone over 60, not someone who is 40 . It can happen at any age. Sadly Julie did pass away in 2008, her life insurance policy paid most of her benefit in advance and the proceeds allowed her family continue life without any fear or worry about the future. In memory of Julie.
We met Ivan almost by accident when he was handed our file after we had been pushed from pillar to post by many so called ‘advisors’ regarding Bob’s Income Protection Insurance.
What he achieved was quite amazing because not only did the premium reduce but through his dogged determination we found out we had been overcharged for many years & that we may have been over insured. Ivan then set about correcting the policy & going in to bat for a very sizeable refund for us. This was completed when we received a refund cheque, amendment to the policy & an apology from our insurer last Friday 27th August 2010. Ivan is the first person we have met in this industry who cared enough to take on a case he knew nothing about, with 2 people he has never met face to face and the possibility that there would be no happy ending to this story. Because Ivan is the only person in this industry that we trust, we have absolutely no hesitation in recommending his services.
Ivan has his clients welfare first & foremost in mind.
Bob and Vicki Keane, Brisbane
A little while back someone gave me some very good advice. If you want to be successful and take some of the stress out of your life, then you need to surround yourself with a team of like minded professionals, who will do what it takes so solve your problems (or better still prevent problems from occurring) and that is exactly what I have done.
- A great guy for all my Insurance needs, who actually listened to what I needed to achieve.
- I have a fantastic accountant
- An excellent Mortgage Broker
- A real-estate agent who isn’t a shark
- Still looking for a lawyer that I can trust, but that is going to be an extremely hard think to achieve (:-
So the team I have surrounded myself with helps me to be successful, therefore I do my bit to help them be successful and it is as easy as that mate. Again, thanks for the passes and take care.
R Marcos, NSW
Thanks a million for your assistance! This is the sort of insurance advice and service that one would expect when hiring people to manage your insurance affairs. Thanks for helping us make a successful claim, you’ve done a great job.
Anthony, Tank Management Services
Thank you for taking great care of my / our Insurance needs, you are truly a fantastic insurance agent, who I was lucky enough to be in contact with some time ago.
Matt, Encounter Enterprises
*Some client names have been changed to ensure privacy. Past performance is not a reliable guide to future performance as future performance may differ from and be more or less volatile than past investment outcomes.