Success stories

“Nicole has been an absolute delight and it has been the best financial decision I have made to engage her skills and expertise to find manageable solutions for my finances. Since working with Nicole I have clear goals and objectives for my financial future, meeting Nicole has changed my financial future for the better and I couldn’t recommend Nicole highly enough.”

“Nicole is a very competent Financial Adviser with an ability to put complex financial speak into plain English. When I purchased my first property Nicole was with me every step of the way, ensuring I had the right homeloan, insurances and superannuation in place.

Nicole is responsive and goes above and beyond to ensure her clients receive great service. I highly recommend Nicole to anyone who is wanting to assess their financial situation and find a solution better suited to their circumstances.”

“I was in quite a vulnerable position when I first met Nicole, however I knew from the outset that I could entrust her advice 100%.

Nicole is charismatic and engaging; she portrays a sense of logic with all of her recommendations; her financial knowledge is impressive, and I truly believe she is committed to the betterment of my wellbeing.

It is extremely comforting to know that you are being lead up the right garden path and I would highly recommend the services of Nicole Heales Financial without hesitation.”

“Over the years Nicole has provided quality advice on both home loans and insurances in numerous occasions. I always felt she really considered what was best for me in my situation at the time. She is a strong advocate for women maintaining their financial independence and has highlighted this through all my decision making. I highly recommend Nicole for using your next round of property loan or insurance.”

“I first met Nicole at a series of financial seminars for women. She has since provided extremely valuable, practical advice on insurance, superannuation and home loans and is committed to finding the best products tailored to an individual’s situation. She consistently follows up on all enquiries that I make and always makes the time to answer any ad hoc questions I have! I would highly recommend Nicole’s services as a financial adviser.”

“With very little understanding of my own financial circumstances I engage Nicole and her services over 2 years ago to get a better holding on my financial affairs and ensure that I have appropriate protections in place if I ever found myself in the position where I was unable to work or provide for myself - a very daunting prospect! Nicole was extremely thorough reviewing my current situation and then extremely patient in demonstrating what was needed to ensure my financial wellbeing should anything untoward happen. Since our initial meeting Nicole has also performed mortgage broking services for me on countless occasions. Her responsiveness and efficiency in helping with my mortgage queries (even replying to emails and phone calls whilst on periods of leave were above and beyond anything I would have ever expected), her professionalism in all dealings and matters and her willingness to get the best possible outcome for me whilst not extending myself beyond my means has all been exemplary. The additional advice, tips, lessons learned and guidance she has provided based on her own personal experiences has been greatly received and is further testament to her always seeking the best possible outcome for me.

I would have absolutely no hesitation in recommending Nicole’s services to anyone seeking financial planning or mortgage broking services. ”

After a debilitating and life changing experience with a less than ethical “financial adviser” I decided to take some action and seek out a new adviser. I deliberately chose a female adviser because I thought she would be empathic to my experience and needs.

I felt like Nicole listened and she was on my side. I trusted her throughout the process and she made herself available to me.

Today, I sleep at night which I haven’t done in years because I feel secure knowing that my goals are doable.

I would highly recommend Nicole. I wish I had met her years ago to guide me on my financial journey.  I’m sure that would have alleviated so much angst and depression about my finances – I had invested a large amount of money with a dodgy “financial adviser” and lost every cent, and in fact it cost me more money than invested. 

Nicole is upfront and honest, even if it’s a hard message to deliver – it’s delivered to ensure one can make decisions now to get on track/stay on track. She has a down to earth personality and doesn’t make you feel silly for not knowing things. She clearly explains what all the jargon means and also understands that you still have a life to ‘live’, so offers options that help you save but still enjoy your life.

I now feel more educated on the financial products I hold, and the areas I still need to decide on. I have a much better understanding of my current and future financial position and this makes me feel in control, and that’s a great feeling! I recently approached Nicole to see if she would be willing to run a short financial seminar for woman at my work (Bupa), as a pilot for a business idea I’m working on: Increasing the Financial Health of Bupa Women Employees. Nicole readily agreed and we held the session in early July. I was hoping to get at least 20 to 30 women – over 55 attended – the room was full! I’ve since had many woman approach me at work saying the session was fantastic, they loved Nicole’s down to earth approach, the pace at which she ran through the material (there’s a lot you know!), the fact that she was realistic that you still have to live your life, not just put everything away into savings and there was no hard sell by Nicole either. I’m really looking forward to getting my idea off the ground and for Nicole to be a big part of it too.

I would recommend Nicole Heales for your financial advice. I was looking for advice specifically for a women in my situation - I had recently separated and had returned to the workforce. My search for an adviser who specifically focused on the needs of women was answered when I found Nicole Heales.

I needed good advice to protect and maximise the superannuation that I had. Income and life insurance was also extremely important in my newly single and independent life situation. I also needed mortgage advice as I looked to purchase a property in my own right.

Nicole provided all of this with an encouraging and friendly reassurance. Nicole helped with some difficulties in the superannuation separation and provided valuable assistance that was pivotal in protecting my interests.

I would thoroughly recommend Nicole who has delivered such expert and reliable advice with personable and friendly care.

I was looking for advice on a couple of fronts - refinancing my mortgage and to tighten up my insurances - life and income protection.

Nicole was referred by a couple of my family friends and proved to be well and truly up to the task. She spoke a language I was able to understand - not coming from a finance background myself, Nicole was able to simplify concepts to suit me.

Nicole gave great advice and was engaged to act on my mortgage refinancing. She also gave me an understanding of how I can proceed to my next property purchase. Nicole was critical in my increased understanding of the various insurances I had in place and how I could alter these to gain the best benefits based on my current age, situation and financial position. As a result of these discussions I was able to utilise Nicole to alter some of these policies to suit me.

The most important things Nicole provides me are accessibility - when and where I need advice and the ability to simplify some of the financial concepts that I am less familiar with; and comprehensive advice - Nicole crosses over a number of areas I was requiring assistance with - mortgage broker and financial planner.

I feel that I have progressed with my investment property and understand the reasoning behind the changes I made with refinancing my loan. I feel I am in a better position with the insurance I hold currently and that they match my financial situation.

I have referred Nicole to friends already and I would reiterate that Nicole is very approachable, speaks a language suited to the person she is dealing with (no matter what background) and that there is no obligation.

Nicole Heales has made me feel very comfortable with my financial position and given me a greater understanding of where I stand. Nicole’s regular market updates are also very valuable to stay abreast of the financial and budgetary news and occurrences.