“It’s our mission to support you, your family & your business through every stage of life.”
Robert Coulson ~ CFP® | FPA
Coulson Financial We've been here for you since 1987. Why trust anyone else?
Coulson Financial was established in 1987 by Ken Coulson, with his son, Rob Coulson joining him in 1989. The business was originally located in Bendigo and specialised in financial planning, insurance services and estate planning. Over time, as the client base grew to include an increasing number of Melbourne based clients, Ken saw the need to move the business to Melbourne, so he established the Melbourne office in 1994. Rob is now Director while Ken is semi-retired and works on a part time basis as Business Manager looking after the needs of his long-term clients.
Lindsay Hodgson joined the practice as a Senior Partner in July 2014. Lindsay has been a practicing Financial Adviser since 1985 and has merged his existing clients into the practice. Like Coulson Financial Services, Lindsay has expert financial planning knowledge in the areas of Self-Managed Superannuation and small to medium sized business strategies, but he also specialises in all aspects of Insurance.
Coulson Financial still have a strong client base in Bendigo which is managed by lifelong Bendigo identity John Hecker, with Rob and Lindsay travelling to Bendigo on a regular basis.
As the financial planning industry has significantly changed over the past 40 years, Coulson Financial has also grown and advanced. We’ve come a long way from the early investment and insurance days, now offering holistic advice across all strategies and attending to clients Australia wide.
We are a specialist practice dealing with wealth creation and management for Self Managed Superannuation Funds and High Net Worth clients, as well as managing complex scenarios for business owners.
“We are dedicated to providing our clients with the highest level of quality and personalized service”
Robert Coulson ~ CFP® | FPA
Meet the Team!
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At Coulson Financial it’s our mission to support you, your family and your business through every stage of life, helping you achieve your life’s vision through careful attention to a financial plan that will respond to your changing circumstances.
We work collaboratively with other professionals to ensure you have a collection of supportive advisers to help you achieve your dreams.
We educate our clients and ourselves to ensure the latest technology, knowledge, trends and investments are utilised to your benefit.
We respect that everyone has different objectives, so we tailor financial plans that are specific to you and your needs.
Family is at the heart of everything we do, so we’ll be here for you and generations to come.
“Family is at the heart of everything we do, so we’ll be here for you and generations to come.”
At Coulson Financial we value our clients and staff. We grow with you and your family over the long term and lead the way to secure your lifestyle goals, hopes and dreams.
A financial plan is an ever-changing, lifelong process. We work with our clients for the long term, not just until they’ve achieved one particular goal.
Initially, during our first meeting, we’ll chat about how you feel about money and where you are at the moment. Then we’ll discuss what you dream of achieving over the long term, and clarify what your lifestyle goals are. Some common goals include: extensive & regular travel, raising a family, being in a position to return to study, build a business – everyone has dreams that are not financial in nature. No matter how big or small your dreams are, we want to help you achieve these.
After we determine what your lifestyle goals are, we look at your current financial position in detail. At the end of this meeting you can decide if you are comfortable working with us and want to progress to the next stage.
During this process you will need to commit to providing us with the information we need to be able to make a full assessment of your circumstances. If the information isn’t available, we can’t help you reach your goals.
When we have a thorough understanding of where you currently are and where you want to be, we’ll be in a position to model some scenarios to get you from here to there. For this process we utilise modelling software and from our understanding of your current and future needs, objectives and situation, we can demonstrate the potential outcome of a particular course of action. We will provide you with a Strategy Proposal, showing the modelling graphs and explaining the outcomes you may be able to achieve with each proposal.
From the modeled scenario’s you will be able to decide which course of action you want to take to reach your long term goals. When you’ve made this decision we will prepare a document called a ‘Statement of Advice’ which tells you in detail the course of action we recommend you take, why it will benefit you, the advantages and disadvantages and any risks you need to be aware of, detail of any products we are recommending and all costs involved.
Plan of Action Meeting
At this stage we present you with the full Statement of Advice and go through it with you in detail. You will have the opportunity to ask any questions and have anything clarified that you are unsure of or uncomfortable with.
By the end of this meeting you will have a very clear financial plan. You will know exactly what action you need to take and when, and what action we will take to support you to have the best opportunity to achieve your goals over the long term.
Ongoing Management Meetings
A financial plan is not set-and-forget. Your circumstances will change over time as unexpected events arise or your wants and needs change. It may be necessary to adjust your goals, or set new goals.
At our regular review meetings we will review your goals and objectives and discuss any changes in your circumstances. We will also discuss with you any changes in the external environment such as share markets or legislation, and adjust your financial plan accordingly. At this time we will also review how you are tracking to reach your goals by the agreed time frames and discuss any concerns you have.
As an ongoing client you will always have access to your financial planner and our support staff. So if you are ever unsure of any aspect or want to ask a question, you simply need to drop us an email or pick up the phone.