AFRM office profile: Melbourne
We want to introduce you to the different teams we have across the country, so this week we start with our Melbourne team.
The team at AFRM Melbourne consists of advisers Rob Vitnell and Chris Wlodarczyk, as well as Huy Pham who has recently joined AFRM as an Associate Adviser. Advisers spend the majority of their time meeting with new and existing clients and preparing appropriate advice based on their requirements. Both Rob and Chris consult with various centres of influence to provide their clients sound advice and continue to work on building this network in Melbourne and greater Victoria. Rob, Chris and Huy provide advice to individuals and businesses whilst Rob continues to develop AFRM’s specialisation in SMEs and Business Succession advice.
The team passionately manages claims for their clients and are currently handling anywhere between 8-10 ongoing claims at a time. Chris says that claims experience is pertinent to developing a passion for the industry and meeting clients’ needs. “This is where the passion for the job comes from. As an adviser, you need to experience the end result of your recommendations – that is, providing the right money, in the right hands, at the right time. We’re not simply insurance brokers; we’re managing life’s financial risks.”
One sad tale from a recent client claim was a Transport Company Manager that was working towards building his retirement and was diagnosed with early stage dementia. We took over management of this client from a referral Partner and note that if he had been referred to AFRM earlier and sought advice, he would have been recommended appropriate risk management strategies and policies to ensure the realisation of his retirement goals. Due to this, regardless of the successful claim we managed, there was still a significant financial shortfall. He is now unable to continue his job and was forced into early retirement resulting from the disease.
The claimant had both Income Protection and Death/TPD coverage available via his employer superannuation fund which was automatically provided and therefore basic in nature.