Our Credentials

Not all financial planning firms are the same - Unified Financial Services is one of only 200 Professional Practice Members of the Financial Planning Association of Australia (FPA) adhering to a strict code of ethics and professionalism. 

In August 2014, both our Director and Principal Financial Adviser Michelle Tate-Lovery, and Senior Financial Adviser Lisa Haley were appointed into the Most Trusted Advisers Network.

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Advisers who are invited to join the network (chosen from an initial group of more than 150 advisers) were chosen solely on the ratings provided by their clients which were gathered as part of an Independent Client Experience Survey and industry benchmarking exercises conducted by Beddoes Institute.

We are proud to have qualified again in 2015, 2016 and 2017. Advisers that achieve an Net Promoter Score (NPS) of 50 represent the top echelon of advisers in Australia – “Most Trusted Advisers”. Please see more at www.mosttrustedadvisers.com

We employ advisers who are Certified Financial Planning Professionals CFP® – the highest designation in the financial planning industry.
Michelle Tate-Lovery, CFP® Director & Authorised Representative (235917) of Unified Financial Services Pty Ltd is the Principal Adviser, responsible for the advice process and philosophy of Unified Financial Services Pty Ltd. 
 

 


Michelle has served on the FPA Transition to Fees Taskforce and the FPA Certified Financial Planner, Curriculum Taskforce: Ethics, Professionalism and Compliance. Michelle is also a regular panel judge for the FPAs Value of Advice awards. 
 
Unified Financial Services were a Semi Finalist of the AFA Practice of the Year 2015. 
 
Michelle has been awarded the:-

  • Money Management and Super Review Inaugural Mentor of the Year Award 2013
  • Money Management Financial Planner of the Year Award
  • FPA 2012 Best Practice Award VIC State Winner CFP Professional Category
  • FPA 2012 Best Practice National Winner CFP Professional Category  

 
Michelle was also a finalist for Woman of the Year - Money Management and Super Review 2014, top 6 Finalist of the AFA Adviser of the Year Award 2012 and a top 6 finalist of the inaugural AFA Female Excellence in Advice Award 2011. 
 
The AFA Female Excellence Award recognises professional excellence and outstanding work in addressing the particular issues faced by many women in achieving financial security now and in the future. You can view Michelle's finalist video on our blog, where Michelle discusses why she is passionate about financial planning:- http://www.unifiedfs.com.au/blog/michelle-tate-lovery-finalist-interview.html
 
We were one of the first (since 1989), and are still one of the leaders in operating on a transparent fee-for-service basis. We do not rely on generating our income from selling investment products.  
 
We were prepared for the industries reforms effective July 2012 in relation to fee for service and opt in agreement requirements for advisers and their clients. Being a pioneer in professionalism in the financial services industry and fee-for-service pricing, we have already been operating an opt-in agreement system since 1996. 
 
We are privately owned meaning that whilst client funds are institutionally invested, we are not owned by any one fund manager, bank, insurance company or financial institution. 
 
We are one of only 749 licensed dealers in Australian who hold their own Australian Financial Services Licence (230510) and a Life Insurance Broker, adhering to strict compliance regulations as outlined by ASIC. 
 
We have been frequently invited by Associations, Pharmaceutical Companies, Public Hospitals, Pathology Laboratories & Local Government to present on financial planning issues.  
We have worked with the following organizations who recognise our professionalism:- 

  • Medical Scientists Association of Victoria (MSAV)
  • The Alfred Hospital
  • The Austin Hospital  
  • Melbourne University Women's Association,
  • The Queen Victoria Women's Centre in partnership with WIRE - Women's Information and the Victorian Government
  • Victorian Psychologists Association
  • Health & Community Services Staff Association
  • The Government's understanding money campaign
  • We have presented to the Australian Institute of Management on salary packaging
  • Presented to Health Super members at retirement seminars
  • Provided training for Health Super staff on allocated pensions and salary packaging.

Click here to read our professional references
 
We take our profession seriously and contribute back to improving the standards across our industry by providing comment on topical issues. 
 
Unified Financial Services has been built on referrals. In addition to the above associations and referrals from our clients, we have strong relationships with Lawyers and Accountants.