Our transparent methodology explained
At vivorriuma, our process starts with understanding your unique situation through a personalised consultation. We analyse your objectives, review available options, and communicate all APR rates, fees, and terms openly. Recommendations are based on independent analytical reviews, not on product bias. Ongoing support and regular updates ensure you remain informed, while every step is designed to maintain compliance with Australian regulations. Transparency, clarity, and your peace of mind are our priorities throughout the planning journey.
Meet the vivorriuma team
Experienced professionals dedicated to value-driven support
Julia Bennett
Senior Consultant
Focus
Analytical reviews
Skills
Julia has extensive experience delivering transparent, unbiased advice for clients across Australia. She values open communication and ongoing support.
Compliance recognition
Award for regulatory leadership
Client trust
Consistently high satisfaction
Marcus Lee
Financial Adviser
Focus
Transparent consultations
Skills
Marcus is known for his clear, direct approach and dedication to transparent fee disclosures. He is committed to helping clients make informed decisions.
Client feedback
Frequent positive reviews
Analytical strength
Recognised for clear analysis
Sophie Clark
Compliance Manager
Focus
Regulatory compliance
Skills
Sophie ensures our practices align with Australian regulations. Her attention to detail supports our commitment to privacy and transparency.
Privacy leader
Strengthened safeguards
Process improvement
Continuous updates
Liam Watson
Client Support Specialist
Focus
Relationship management
Skills
Liam provides responsive support and regular updates to clients, ensuring they stay informed and supported throughout their planning journey.
Client support
High responsiveness
Team player
Great collaboration
How our process works
Your journey begins with a personal consultation and continues with ongoing support, transparent communication, and regular analytical reviews. We ensure full disclosure of APR rates, fees, and terms at every stage.
Initial personal consultation
We start by understanding your needs, objectives, and comfort level through a one-on-one meeting.
Our team listens carefully during the initial consultation to identify what matters most to you and gather necessary details for further analysis.
Independent analytical review
We conduct an unbiased analysis of your situation, reviewing options without favouring any particular provider.
This stage involves detailed research and cross-checking to ensure recommendations align with your goals and regulatory standards.
Transparent recommendations
All findings, APR rates, fees, and terms are explained in clear language, empowering you to make informed decisions.
We present all options, answer your questions, and ensure transparency so you can choose the best path with confidence.
Ongoing relationship and updates
Our support continues with regular updates, check-ins, and responsive assistance as your needs evolve.
You will receive timely communication about relevant changes and ongoing access to our team for further guidance.
How our process works
Your journey begins with a personal consultation and continues with ongoing support, transparent communication, and regular analytical reviews. We ensure full disclosure of APR rates, fees, and terms at every stage.
Comparing our planning process
| Features | Personal Consultation | Analytical Review | Ongoing Support |
|---|---|---|---|
| Fee and APR transparency | Included | Included | Included |
| Objective, unbiased analysis | Yes | Yes | No |
| Regular updates and support | No | No | Yes |
| Australian regulatory compliance | Yes | Yes | Yes |
| Clear communication throughout | Yes | Yes | Yes |