WE’RE SPECIALISTS IN INTELLIGENT INDEPENDENT ADVICE FOR PRE-RETIREES & RETIREES
We can help pre-retirees and retirees because…
- Changing governments, financial budgets and legislation can complicate retirement, however the dozzi team are here to support you through these changes and reduce the impacts on your assets, taxation or social security/Centrelink entitlements.
- We understand you’re moving into a phase of life with reduced commitments and fewer complications so you deserve a financial situation to reflect that. Our advice turns complex analysis and scenarios into simple solutions for you.
- We don’t charge our retirees a larger fee simply because they’ve maximised (or are close to maximising) their ‘nest egg’. Retirees move to dozzi as we don’t charge percentage-based fees, and we don’t believe you should be paying more than the value added by your strategy.
- Retirement isn’t necessarily easy but it will be what you make it. dozzi has been a part of the journey for many Australians and we understand it isn’t just a significant change in your life financially, but also emotionally and habitually. We’re here to put your financial position in order, ease your stresses, and guide you through what will be one of the biggest changes in your life.
- Transitioning out of, or retaining investment properties in retirement? What opportunities do you have to reduce capital gains tax? We have no predetermined preferences for what assets you hold in retirement so you can be sure that our recommendations will be unbiased and in your financial best interests.
- We continually review the longevity of your assets based on your spending habits to provide you with appropriate advice. Our investment strategies are designed to provide you with greater certainty of performance.
Our focus is on you and what you want to achieve.
WE’RE SPECIALISTS IN INTELLIGENT INDEPENDENT ADVICE FOR PRE-RETIREES
Elements that make you different and dozzi the right fit.
What I liked most was the enthusiastic way he believed in what he was doing. He never came across as just selling a product to a customer, but really believed in what he was doing.
Working with the team at dozzi especially Ellie, has been extremely comforting and rewarding. From our first meeting, we were made to feel at ease and comfortable. Our fears and concerns regarding the risk of future loss were largely alleviated with patience, professionalism and a thorough knowledge of current markets and investments. Ellie confidently lead us through a strategy that would meet our needs and requirements, the entire time being mindful of the level of risk we were prepared to undertake.
We now feel both in control and confident as we move towards retirement. Our financial position has gone from foggy to crystal clear and transparent! We recommend Dozzi Financial Advisers to friends and family without hesitation; no matter their current financial position and age they would all benefit from some Dozzi advice. Dozzi, we appreciate that you “Care to be different."
We have dozzi patient, engaging, efficient and willing to go the extra mile . We are pleased to again have some financial goal posts ahead and a path to follow going forward. We would recommend dozzi to anyone wanting independent financial advice on investments and insurance and particularly to those, who, like us, might need much encouragement to do the homework necessary to stay on track with 'the plan'.
What Our Clients Say
“We were hesitant to seek financial advice, even though we knew it was becoming a necessity. However following GFC losses to many of our family and friends we were reluctant to end up in a similar position financially.
We felt it was important to find someone we could trust, and could have some understanding and empathy with our fears and concerns. We have worked hard our entire lives, and while we don’t have a lot we need to preserve what we have, to see us comfortably through our retirement years.
Working with the team at dozzi especially Ellie, has been extremely comforting and rewarding. From our first meeting, we were made to feel at ease and comfortable. Our fears and concerns regarding the risk of future loss were largely alleviated with patience, professionalism and a thorough knowledge of current markets and investments. Ellie confidently lead us through a strategy that would meet our needs and requirements, the entire time being mindful of the level of risk we were prepared to undertake. Ellie’s attention to detail ensured the entire process went smoothly and without stress.
Throughout the process we have learnt that with communication and technology it is not essential for your Financial Adviser to operate in the same town where you reside. We have also learnt not to be fearful to ask for professional financial advice.
We would have no hesitation in recommending Ellie and the entire team at dozzi to attend to your financial requirements. The genuine attention and concern for individual needs and outcomes is conducted professionally, but with a friendly and caring manner.”
M & K, Mackay
“The main obstacle to my pursuit of financial services was that, I was then 55 yrs old, with retirement around the corner, had just come out of a 5 year financial disaster, where I had lost literally everything and was starting life again. My summation of my situation was that I lacked sufficient funds to make any investment worthwhile, and indeed never expected to own my own home again.
Around that time I was contacted by Caleb Dozzi regarding Superannuation, who convinced me it was possible to start again, even at my age – as in “when things are bad, don’t make them worse.” His refusal to see anything as defeat encouraged me to entertain the possibility that just maybe it was possible to restore my financial future, in the short working time I had left.
Caleb has always been approachable and willing to spend the time to discuss financial options with me. I think though he has had more problem with me. At times he has tried to discuss the world’s financial crises/options, but as finances are just foreign to me (I’m more at home in a hospital Science Laboratory), I eventually told him that, as it was a field he moved in each and every day, then I was more than happy that he should make such financial decisions for me from his own relevant expertise.
I was a bit apprehensive about investing in quick return ventures as they are inevitably high risk. I was relieved to find Caleb never contemplated high risk enterprises.
My goal was to retire on an income near my net wage at retirement. In the process of reaching this I could once again own my own home, retiring debt free without financial worries as to the future. I also wished to be able to continue several philanthropic missions I had been involved with over several decades. eg both my children and quite a number of other people have needed financial assistance to weather periods of financial duress.
What I liked most was the enthusiastic way he believed in what he was doing. He never came across as just selling a product to a customer, but really believed in what he was doing, and that I was missing out on something. While I expected he should take a percentage of any income as part of his salary, I didn’t feel I was just another source of income, but rather a challenge to get me back on my feet and attain what I saw then as an impossible goal. I never thought this possible but Caleb has achieved that for me. I have now been retired for three years and am able to continue doing the things I am used to.
I have already recommended Caleb to relatives and friends, as what he has done for me he can do for others.”
B. Dean – Pre-Retiree
“When friends suggested we talk with a Financial Adviser we were a bit blazé in our response! In our minds, and in all seriousness, we had it covered: Superannuation, Shares, Insurances… We were quietly confident as we headed closer to our retirement.
However, on consulting with Dozzi it soon became apparent that our ‘quiet confidence’ was possibly also blazé and we could benefit hugely from an unbiased, independent review of our financial position. Dozzi tailor-made a very sound, clear and intelligent strategy to create the wealth we need for our retirement.
After reviewing our current financial position and hearing our ideas on how we both see our retirement days being filled, Dozzi presented us with a step by step, year-by-year breakdown to demonstrate what our financial position would be, first, if we continued as we are and second, if we implemented their advice. There was a marked difference between the two!
I felt a little overwhelmed as Caleb presented the strategies to implement but Caleb and Ellie soon put me at ease. They are both highly effective communicators and explained the strategies in a way that I could easily grasp. Both Caleb and Ellie are passionate, highly motivated and exude confidence. It is contagious! I have never been very interested in finances but I feel excited over what we are now doing to meet our goals for retirement!
The Dozzi team conduct themselves with the right mix of professionalism and friendliness; I feel both confident with their advice and at ease. We appreciate that their advice is based on our needs; they are independent and unprejudiced. They look at the very best options for us.
As a team they excel! Their individual skills, knowledge and personalities compliment each other. There is genuine mutual respect and admiration among the team and this permeates through to their dealings with their clients. They have their finger on the pulse with new developments, laws, trends… This all results in an efficient effective team who deliver as promised.
We now feel both in control and confident as we move towards retirement. Our financial position has gone from foggy to crystal clear and transparent! We recommend Dozzi to friends and family without hesitation; no matter their current financial position and age they would all benefit from some Dozzi advice.
Dozzi, we appreciate that you ‘Care to be different.’
PS Caleb & Ellie, I especially appreciate that you are just a phone call or email away! Thanks.”
“We had a need to update all things financial in our lives, having used an old-style stock broking firm for our investments for years, paying low fees, but not seeing much progress. We had let most of our policies and insurances roll over each year without much attention. Our accountant had been hinting for some time that we could do with paying some attention to this important aspect of our lives.
We are relatively conservative financially and were nervous of change. We were also concerned about paying the sums of money expected by other financial advisers and firms. We remain reluctant to pay for advice on money already earned and invested; on percentage fees which, over time, will detract from wealth accumulation.
We took our time deciding between various options including stock broking firms, banks and Dozzi. We felt no pressure from Caleb and Ellie. They had listened to us and seemed to understand where we were coming from. We were impressed with the up-front declaration of Dozzi’s fees and that their advice would be independent.
We have found them patient, engaging, efficient and willing to go the extra mile (see the extract of a letter written to them after they prepared a presentation of an investment plan for our son’s 18th birthday and gave freely of their time to meet with us as a family). We are pleased to again have some financial goal posts ahead and a path to follow going forward. We would recommend Dozzi to anyone wanting independent financial advice on investments and insurance and particularly to those, who, like us, might need much encouragement to do the homework necessary to stay on track with ‘the plan’. ”
Dear Ellie, Caleb and Mel
…. thank you for the enormous effort put into introducing our boy to the world of finance and investment. Meeting with you, Ellie and Caleb, was very special for us and it was extremely generous of you all. He was very inspired to launch his “investment portfolio” and we are so grateful. As you know, a parent’s word often goes astray for a teenager, in comparison to being inspired by “young” folks like yourselves – with your amazing stories. And thank you to Mel for all the work in the background to make this work.
Hopefully one day he might be a substantial client, but for now, thank you for contributing to the development of the next generation in such a generous way.
Helen and David