Client Testimonials

Thank you for all your services and advice over the years.
Charlie & Carmen Scerri

Charles has been very helpful and timely with his advice.
Monique Hides


We sought advice from Advice and Answers Financial Services for my mum who has entered an aged care home. Charles gave us advice as to how to structure her financial affairs so as to minimise her accomodation costs and maximise her pension benefits. By putting her affairs in order, Charles was able to save my mum thousands of dollars in residential fees whilst still maximising her pension. We cannot fault the service provided by Advice and Answers and give them our highest recommendation.
Many thanks
Joseph Sobota

Charles offers great small business advice and has been really helpful. Thanks
Dean Block

Can't say enough good things about Charles. Well organised, informed, caring, great communication and knowledgeable
Geraldine Ramselaar

I would like to take the opportunity to highly recommend Advice & Answers Financial Services and in particular Charles Ellul to any prospective clients who wish to deal in financial negotiations.
Charles was not only very professional in his approach but genuinely looked after our interests.
To both my wife and I, Charles and his team have shown exemplary attention to detail. Their ability to work with an awkward set of circumstances have made us very comfortable in our decision making.
We are very satisfied with our financial dealings and once again commend Charles for his guidance, expertise and friendly approach.
Alan and Joy Butcher

Thanks Charlie for your service over the past 3 years. The consultation was relative to my needs and your information was helpful. I look forward to working with you again in the future.
Google User

Fantastic service. Highly recommended you stop by for a chat with Charlie.
Ian Williams

Great service! Very happy with the advice received. Would definitely recommend! Thankyou :)
Bianca Renzella

"We find Charles very responsible & comprehensive in explaining all aspects of managing our funds, he is very prompt in returning calls & has a very pleasant manner "
Michael & Carmel Claxton

"I have retired due to ill health. Charles has been extremely helpful in setting up my affairs with AMP and Centrelink. I cannot fault him in any way. His advice and assistance certainly made the process quite a lot easier.
Charlie Bartuccelli"

"Charles has been my super adviser for many years now and through this time his advice, knowledge and professionalism is first rate. I highly recommended to anyone Charles Ellul as there Financial Planner"
Chris Hill

"Charles is easy to get along with and does a fantastic job of managing my affairs both leading up to and now in my retirement."
Brian & Linda Evans

"I found Charles extremely easy to talk to and he was not pushy at all He provided some great advice and resources to me to help guide me in the right direction. Thanks Charles"
Gerard Luscombe

We found Charles Ellul of Advice & Answers to be very professional and most helpful in planning our affairs for retirement.
Charles is particularly responsive and always willing to assist with advice.
David & Shirlee Mortimer

It was a pleasure dealing with Charles and I highly recommend him.
Van Vidotto

Thanks, Charles!! You’ve done a great job and I’ll definitely refer you to anyone who needs a financial planner or a health check of their insurance policy.
Dancy He

Charles has just completed setting up my super and he couldn't have been more helpful and professional.
He has helped me reduce my tax and increase the amount now going into super without affecting my income.
He has also given my wife and I sound financial advice and his followup has been fantastic. Thanks for all your help Charles

I cannot thank Charles enough for his support, patience and determination in finding a suitable Income Protection Provider to meet my needs. Charles would regularly call to give me an update and I was always kept in the loop. I would happily recommend Charles to any prospective clients.
Jason Knight

Dear Charles

You have provided me with total peace of mind during a very emotional and difficult time of my life, THANKYOU so so much......
Sincere thank-you for your professionalism, assistance & ongoing support in obtaining a great outcome with my late husband’s insurance claim / portfolio & thank you for providing me "with total peace of mind".
I would highly recommend you to my family & friends with any financial concern and I will be in touch again shortly to discuss further financial planning., I am totally confident in seeking your professional advice in all my financial affairs.

Thank-you once again for giving me peace of mind during a very difficult time.

Kind regards
Chris Hatfield

Dear Charles, Thank you for your assistance in setting up my assets so l can maximise my pension entitlements with Centrelink. I greatly have appreciated you handling my affairs with regards to superannuation & investments.
It was a relief that you took on the responsibility of informing Centrelink of our details – Thanks again for providing peace of mind and reducing our paperwork.

Bev Horton

Charles, thank you for your ongoing support in constructing a protection & wealth creation plan that will cater for our family's needs. Sofie and I have appreciated your personalised service in providing tailored options & solutions. We enjoy working with you as you are open and transparent, have our interests in mind while at the same time being flexible and easy to get along with.

We look forward to many years of service from you.
Steve Iatropoulos

Dear Charles

I have been meaning to email you to provide my wholehearted gratitude for the strong and sound advice that you have provided me over the past 3 years. As you are aware, my portfolio was not properly constructed and with your patience and solid understanding of my circumstances you have provided me with confidence in relation to my financial affairs. I now know that I can contact you at any time to seek advice on any issue related to my portfolio and that is most comforting. I have already recommended many of my colleagues to seek counsel and advice from you and also know that they too have been very pleased with my referral.

Thank - you again Charles for the professionalism and empathy you demonstrate in your role as Financial Advisor.

Mark Robertson

Advice and Answers are a family run business with exceptional customer service, industry knowledge and clear informed financial information. I would highly recommend Advice and Answers to assist in any financial planning needs.

David James O'Neill