Frequently Asked Questions

Finspire Advisers® operates under Catalpa Pty Ltd, which holds an Australian Financial Services Licence (AFSL No. 530665).

Our Financial Planners, Christopher Keating (Financial Adviser Register No. 410411) and Rickie Latimore (Financial Adviser Register No. 356998), are qualified professionals and hold the designation of Associate Financial Planner® (AFP®) with Financial Advice Association Australia

Both advisers are registered on the Financial Adviser Register maintained by ASIC, ensuring they meet the required standards of education, experience, and ethical conduct.

We strictly adhere to ASIC regulations and are committed to the highest standards of professionalism and integrity in financial advice.

For guidance on choosing a financial adviser. Choosing a financial adviser - Moneysmart.gov.au

Getting professional help with your superannuation in Newcastle can make a significant difference to your long-term financial wellbeing. Superannuation is one of the most tax-effective ways to build wealth for retirement, but navigating investment options, contribution strategies and changing legislation can be complex.

At Finspire Financial Advisers, we try to understand your personal goals and financial situation, then create a tailored strategy to help you maximise your super’s performance. Our expert advice ensures your superannuation is working hard for you, with ongoing support and local expertise right here in Newcastle.

As Independent Financial Planners, Finspire Advisers has no affiliations with any financial institutions, product providers, or fund managers. This means we are not tied to a limited "Approved Product List."

Our recommendations are tailored to your unique goals and situation. We meticulously research and select from the entire Australian market, leveraging insights from leading independent research agencies.

This ensures that any product we recommend is a suitable and effective solution for you, free from conflicts of interest.

There are less than 2% of Financial Planners in Australia who can legally refer to themselves as Independent.

Correct. Finspire Advisers do not receive commissions or incentives.

We do not sell financial products. Instead, we recommend products based solely on what is best for you.

Finspire Advisers, are registered with over 50 Super Funds, Investment products and life insurance providers, and can expand this list based on the needs of our clients. Our advice is always tailored to your goals, not influenced by sales targets or third-party incentives.

Strategy-led, not product driven.

We begin by reviewing your existing Super Fund, Investment Product or Life Insurance Provider to assess whether they align with your current needs and objectives. Based on our research and conversations and what matters most to you, we then present a shortlist of alternative products for your consideration.

These recommendations are tailored to your goals and are selected from a broad range of options available to us as independent advisers.

We don’t place limits on how often we meet or communicate. Meetings can be held in person, over the phone, or virtually, whatever suits you best. While every client’s journey is unique, a typical engagement might include the following touchpoints:

Introduction – To understand what’s important to you and how we can support you.

Discovery – To gather your financial information, goals, and objectives.

Strategy – To explore your options and identify opportunities.

Advice Presentation – To present your tailored financial plan.

Implementation – To ensure your plan is put into action correctly and on time.

Ongoing Monitoring – To regularly review your progress, adapt to changes in your life or the market, and keep your plan on track.

We take a collaborative approach to decision-making.

Throughout our engagement, we’ll discuss your options and opportunities in detail, ensuring you have the clarity and confidence to make informed choices. While we provide expert guidance and tailored recommendations, the final decisions are always yours to make—based on what feels right for you.