At Full Circle Financial Planning Services we work collaboratively with clients to develop strategies that suit their financial circumstances, open up opportunities, reduce financial stress and guide clients toward their goals.My goal as a business is to contribute to the financial wellbeing of clients by developing financial solutions that contribute positively towards an improved lifestyle and confidence in their financial direction.We are a self-employed business, licensed through Sychron Australia (Australia’s largest privately owned financial Adviser Group). We operate on a fee for service basis with flat dollar fees that are agreed in advance. Ritesh is a Senior Financial Planner and has been providing financial advice for over 10 years. During this time he has been fortunate to work with clients at all stages of life. Ritesh enjoys advising clients who are preparing to make important financial and lifestyle decisions for their future.Ritesh enjoys assisting clients to gain clarity about what is important to them personally and financially. Ritesh then works with clients to develop a personal financial plan that allows them to move forward with confidence.

Ritesh has been in the financial services industry for approximately 10 years.He is very well known for creating strategic financial plans that suits his client’s personal and financial goals - whether they are an employee, self-employed, business executive, family bread winner or an at-home parent.He believes in providing personalized financial advice to individuals and families is the key in achieving a secure financial future. He is determined to ‘do the best for the clients’ is what sets him apart. With this approach he endeavours to explore appropriate strategies and decisions on how to reach their specific goals. He also undertakes continuous professional development and training programs so that he is able to keep up to date with legislative changes to superannuation, investment, social security and tax environments.He also has access to technical, investments and risk research professionals who provide him with additional analysis on strategies and products that become available as a result of these changes.Outside of work, Ritesh enjoys his football and soccer and helping out with affiliated club events.

• Guidance on budgeting and goal setting• Savings and wealth creation strategies• Investment planning• Superannuation planning• Pre-retirement planning• Retirement planning• Estate planning considerations• Centrelink planning• Risk and insurance analysis• Business succession planning• Salary packaging advice• Gearing strategies• Retirement income streams • Direct fixed interest • Retail & wholesale managed investment schemes • Socially responsible investments

• Savings and wealth creation strategies• Investment planning• Superannuation planning• Pre-retirement planning• Retirement planning• Risk and insurance analysis• Business succession planning• Retirement income streams • Direct fixed interest • Socially responsible investments • Superannuation products • Personal and group insurance

• Deposit and payment products (for example term deposits, cash management accounts and non-cash payment products)• Savings and wealth creation strategies• Investment planning• Superannuation planning• Pre-retirement planning• Retirement planning• Risk and insurance analysis

Liaise with other departments to client’s advantage. Assist on field Account ManagersAssist other departments including claims, insurance and administrationSpecialist in accumulation and Defined benefit schemes.