• Get Your Financial House in Order
    Peace, Wholeness and Well-Being in every area of life

    Our Mission is two fold

    1) Help get your financial house in order so you are free to pursue the things that really matter.

    2) To protect you from the financial stress caused by sickness, accident or death.

    If something happened to you or your partner would you want your family to be the same, better
    or worse off?

    We are fee for service, Values Based Financial Advisers specialising in "non-cookie cutter advice."

  • Live Your Life

    On Purpose
    Money gives you powerful choices.

    What's Important About Money To You....
    And What Are Two or Three Things That Require Money and Planning To Achieve?

  • Is Your Financial House In Ruins?

  • Many people find money difficult, confusing or a source of constant stress.

    “In the grand scheme of things, money’s not that important. It’s significant only to the extent that it allows you to enjoy what is important to you."
    Bill Bachrach Value Based Financial Planning

    The Financial Road Map brings clarity of purpose and sets tangible goals in line with your values


    We work with people who are

    Motivated to take action
    Want a financial partner to help
    Proactive and want a trusted long term relationship

  • Family Protection Plans

    We protect the most important people in your life.

  • Living Your Life On Purpose

    Getting Started


    Financial Road Map

    A 60-90 minute conversation crystalising what’s important about money to you, your tangible goals that require money and planning to achieve and where you are now.


    Terms of Engagement

    As fee for service advisers we are paid for strategic advice not for pushing product.
    We have clients in industry funds, and self managed super funds.
    And clients who favour property over shares and vice versa


    Implement and review

    At the end of the process you will have a comprehensive step by step plan that gives you the highest possibility of achieving your goals.

    And our review service keeps you on track to achieve your goals.

  • Why Choose Us

    Our vision is to help you achieve real prosperity which we define as peace, wholeness and well-being in every area of life. Without having your financial house in order you can’t pursue the things that really matter in life like family, relationships and activities you love.

    Values Based Financial Advice rather than product sellers

    Strategy and outcome focused

    We are Values Based Financial Advisers who focus on helping you achieve your tangible goals that require money and planning to achieve based on what’s truly important to you.

    What products you purchase come at the end of a comprehensive process and are simply the vehicle to help you make smart choices about your money so you can achieve your goals. This makes us strategy and goal focused as opposed to the average Adviser at your local bank.


    People Before Profit

    Relationships For Life

    Our business is focused on building long term relationships and take time to provide a high level of service to our clients. We value helping people for life and investing our clients money with the same care if it is our own.

    We work with expert partners for mortgage broking, estate planning and SMSF accounting.


    Not forced to use parent bank or insurance products

    Jireh Financial is part of Patron Financial Advice who provides a wide range of approved products.

    We are not tied to a bank or insurance company who mandates that we use their products. If you are happy with your industry super fund or other products you currently have you are not forced to switch out.

    Fee for Service No Surprises

    Fixed Price Agreements

    Our Values Based Financial Advice is fee for service and all the fees are negotiated in a fixed price agreement prior to any work being done so there are no surprises.

    On wealth protection advice for life insurance, trauma and total and permanent disability we are paid directly by the insurer as fee for service options result in clients paying more. We can use every insurer in the market and will fight for the solution that is best for you.

    Member of AFA

    We belong to Australia's oldest and most active association of financial advisers. AFA Members are

    • Accountable to the AFA Code of Conduct: Principles of Practice
    • Hold professional qualifications
    • Committed to continuous learning and development
    • Dedicated to the financial wellbeing of their clients above all else
    • Balance expert knowledge with professional application and care
  • Meet The Team

    Justin has been in the financial services industry since 1997 and is supported by a specialist client services and para planner team.

  • Ready to Get Your Financial House In Order?

    Sydney Office: Level 2, 65-71 Belmore Rd Randwick NSW 2031
    PO Box 6040 Malabar NSW 2036 Ph: 02 65 855480

    Mid North Coast Office: We are the H & R Block preferred referral partner in
    Port Macquarie, Taree and Kempsey.

    Privacy policy -can be found here http://www.financial-advice.com.au/privacy/
    Katherine Susan Pagotto and Justin Pagotto  ABN 96 645 224 877 [t/a Jireh Financial] is a Corporate Authorised Representative of PATRON Financial Services Pty Ltd (ABN 13 122 381 908) atf the PATRON Financial Trust (ABN 32 307 788 137) trading as PATRON Financial Advice who holds an AFSL No 307379. 
    Please visit the Patron Financial Advice website 
    This site is provided by Katherine Susan Pagotto and Justin Pagotto on an “as is” basis. Katherine Susan Pagotto and Justin Pagotto makes no representations or warranties of any kind express or implied, as to the operation of the site or the information, content, materials, or products included on this site.
    To the full extent permissible by applicable law, Katherine Susan Pagotto and Justin Pagotto disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Katherine Susan Pagotto and Justin Pagotto will not be liable for any damages of any kind arising from the use of this site, including, but not limited to direct, indirect, incidental, punitive, and consequential damages.
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    Website Complaints
    If you have a complaint about the service provided by us you should:
    Let us know your concerns. We value your feedback and the opportunity to improve our service. In the first instance, please let us know your concerns. Alternatively, you can email or write setting out details of your complaint to:
    The Complaints Manager, Infocus Securities Australia Pty Ltd (Infocus)/ Patron Financial Advice
    Email: ProfessionalStandards@infocus.com.au; or Post: PO Box 1856, Sunshine Plaza QLD 4558; or Telephone (07) 5458 9400.
    Outline the specific areas of service, which have not met with your satisfaction. Detail in your letter, as simply as possible, all the facts relating to your complaint and how you believe we can investigate and resolve this matter to your satisfaction.
    Infocus/PATRON will investigate your complaint and will make every effort to ensure you receive a fair and prompt reply. Infocus will endeavour to resolve your complaint within 45 days. We will keep you informed of what is happening to your complaint if this investigation cannot be resolved within this time.
    If you still do not get a satisfactory outcome, you have the right to take the complaint to the Financial Ombudsman Service (FOS).
    Infocus/PATRON is a member of the external complaints resolution scheme operated by FOS. FOS provides free advice and assistance to customers not satisfied with the responses provided by member companies to their complaints. FOS may undertake an independent external investigation of the complaint or enquiry. Member companies like Infocus are bound by any decisions made by FOS. You can write to the Financial Ombudsman Service, GPO Box 3, Melbourne VIC 3001 or telephone toll free 1800 367 287.