Frank Santagada CFP Dip. FP is an Authorised Representative of SECURITOR Financial Group Ltd. SECURITOR is the holder of an Australian Financial Services License (240 687) issued by the Australian Securities and Investment Commission (ASIC).
There are more than 460 SECURITOR financial advisers located throughout Australia, managing more than $4 billion for over 50,000 clients.

SECURITOR was established in 1986 and has steadily grown into one of Australia's largest financial services groups with a reputation for innovation and technical excellence. As SECURITOR is fully owned by St.George Bank, your SECURITOR Financial Adviser is backed by the resources of Australia's fifth largest bank, which is recognised for excellence in customer service.

SECURITOR is also a principal member of the Financial Planning Association (FPA).

At IOA we have helped individuals, families and businesses achieve their lifestyle and investment goals since 1987.
Our advisors’ expertise in financial planning encompasses a broad range of specialist advice. We consider ourselves to be specialists dedicated to maximising the preservation, protection and performance of our clients’ capital and financial income.
Our clients’ interests always come first. IOA has earned the trust of its many clients by placing their interests first; so much so that the majority of new clients introduced to the firm are by way of personal referral from our existing satisfied clients.

The staff and management of IOA are totally committed to the highest standards of customer service and advice.

We want to understand our clients’ current position and particular financial objectives; and then tailor our service to meet their needs. We spend a great deal of time asking about their financial position by undertaking a thorough analysis of their total financial situation - including their income and expenses, assets & liabilities, investments, insurance coverage, business interests, trust and other structures, and estate planning - upon meeting with them, in order to give our clients appropriate advice.

All information provided to us by clients is maintained in the strictest confidence.

The commitment we make to our clients is a long-term one. We believe in keeping in touch; keeping the client informed; and ensuring effective systems to deliver good old fashioned service. In all we do, we recognise that there may be ways to improve our service and we continuously strive to seek them out.

Each IOA client is unique, with different backgrounds and aspirations. Specialising in technical excellence and recognising the complex legislation that governs investment, tax and superannuation, your IOA financial adviser is able to work within this regulatory framework to develop innovative financial planning solutions for our clients, especially in the areas of :-

• Wealth accumulation
• Asset Planning
• Retirement Planning and Superannuation Advice
• Estate planning and Asset Succession
• Risk Management

By combining these services, our adviser has the flexibility to meet our client's particular requirements, both today and in the future.
Through the superior financial knowledge of IOA’s Client Advisor and its associates, our clients can be sure that they will receive expert financial advice from a seasoned professional. Our commonsense approach to financial security and wealth creation has helped countless people plan for a sound financial future.

We know that personal priorities and life goals can change over time, so we get to know our clients’ circumstances and we regularly review the effectiveness of their financial plan. We provide updates on our clients’ portfolio in clear, easy to understand terms, and build flexibility for further investment or restructuring in the years ahead.

Most of all, at IOA our clients’ receive the professional and personal attention they need to create a financial plan that works.
At IOA we are small enough to guarantee personalised service, yet large enough to provide the resources and information our clients’ need to reach their financial objectives.

It is the Vision of IOA to fundamentally transform the way that ‘Wealth Management Services’ are delivered to individuals, by embracing a holistic financial planning attitude. By employing a strategic advice approach, implemented with the mutual effort of expert professionals we will coach our clients to achieve financial independence and security.

• To provide a superior, professional level of service to our clients by providing them with the best and most appropriate financial advice
• To create wealth for our clients
• Our commitment will be measured by securing for our clients, both their financial and lifestyle successes
• To commit to what we promise and therefore earn a referrable reputation
• To be innovative by committing to the on-going education and training of our team members in their personal and professional development
• To delight our clients and team members by creating a welcoming, happy and productive working environment
• To adopt a humanitarian approach to the community and charitable institutions

Integrity
We will maintain the highest standards of ethical and moral probity with our clients, our associates and indeed anyone with whom we do business.

We operate on a basis of full and complete disclosure, combined with the motivation of our clients’ best interests.

Satisfied clients are the result of our commitment to providing outstanding customer service and care.

We are dedicated to identifying those issues which are most important to our clients and dealing with those issues carefully and sensitively.

Wisdom
We are committed to the constant increase in not just our knowledge of all relevant financial, legal, economic and taxation issues, but also of our understanding of the most beneficial application of this knowledge to our clients’ situations.

We retain and review the best advice available from our team of network partners such as solicitors and CPA’s for the benefit of our clients.

We provide solutions to our clients based on the fusion of perspectives of legal, taxation and investment experts. This approach means that needs and objectives are being met thoroughly and that all relevant issues are being identified.

Innovation
We cannot rely on how things have been done in the past. In line with our vision, we strive to develop the best possible strategies to provide the best possible outcomes for our clients’ financial challenges. In a rapidly evolving legislative and economic environment, traditional solutions alone are simply not enough.

Trust
When working with IOA, our clients are assured of absolute privacy and confidentiality. Both virtual and tangible files are protected by state-of-the-art security. Under no circumstances will third parties have access to any client’s information without express written authority from that client.

Most importantly, we will always conduct ourselves in a manner deserving of our clients’ complete trust and confidence. We will use every resource at our disposal to keep our clients informed and protected, because we understand the very private and sensitive nature of the relationships we have with our clients.