When Financial Solutions

Rick Latimore and Chris Keating established When Financial Solutions in 2022, as one of the few independent financial planning offerings in the Hunter region.

We believe that advisers should be independent of product providers, so they are free to serve clients and clients alone.

Our financial advice is unbiased, without conflict, and we are free to recommend any product provider approved by two independent research houses.

We are committed to independence, evidenced in three ways:

1. We are commission-free and don’t receive incentive payments from product providers
2. We don’t have any ownership links or affiliations with product providers and;
3. We don’t charge asset-based fees.

Rick has worked in financial services for more than 15 years, and as a financial planner for almost 10 years.

Chris has worked in financial services since 2008, and as a financial planner for more than 10 years.

They both worked at Stateplus / Aware Super Financial Services, gaining extensive experience in retirement planning and have a deep knowledge of the complexities of government-defined benefit schemes.

Our Advice Approach

• Care and consideration – we take the time to understand and align our advice to your values and beliefs.
• Confidence – help facilitate confident spending decisions
• Respect – It is your money, and we plan to build on your success
• Beyond money –success is more than just money.
• Flexibility – we plan to adapt to changes in your life,
• Collaboration – work closely with your trusted relationships.

Our Investment Beliefs

• Transparency
• Quality
• Diversification
• Cost and fees matter
• Discipline