• 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

      1

      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.
       

      2

      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

      3

      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.

      Flexibility

      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 8973 2750

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

      Submit

    © 2017 and 2018 Jireh Financial

    Justin Pagotto is an Authorised Representative and Katherine Susan Pagotto and Justin Pagotto ABN 96 645 224 877 [t/as Jireh Financial] is a Corporate Authorised Representative of PATRON Financial Services Pty Ltd ABN 13 122 381 908 ATF PATRON Financial Trust ABN 32 307 788 137 AFSL No. 307379 trading as PATRON Financial Advice (PATRON). Information published on this website has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs. Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. Past performance of financial products is no assurance of future performance. Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products mentioned on this website. You should also obtain and read this document prior to proceeding with any decision to purchase a financial product.
     

    Terms & Conditions
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      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 
http://www.financial-advice.com.au

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.

This site is created and controlled by Katherine Susan Pagotto and Justin Pagotto in NSW, Australia. As such, the laws of NSW and Australia will govern these disclaimers, and terms and conditions, without giving effect to any principles of conflicts of laws. We reserve the right to make changes to our site and these disclaimers, and terms and conditions at any time.

Should you choose to act on any of the information included in the website, you accept all risks and responsibility for losses, damages, costs and other consequences resulting directly or indirectly from using this site and any information or material available from or through it to the maximum permitted by law.

Katherine Susan Pagotto and Justin Pagotto limits any liability that cannot be excluded to restoring the service, re-supplying the material or refunding any amount paid to Katherine Susan Pagotto and Justin Pagotto for the service or material. Any products or services provided by Katherine Susan Pagotto and Justin Pagotto may be modified over time.
None of the information and data contained in this website nor any opinion expressed constitutes a specific recommendation to purchase or sell a financial product, or to provide financial product advice.

Katherine Susan Pagotto and Justin Pagotto and its associates is not engaged in rendering any legal or professional services by placing these general informational materials on this website. We are not Licenced tax agents.

Katherine Susan Pagotto and Justin Pagotto makes no representations or warranties about the accuracy or completeness of the information contained on this website. Any links provided to other server sites are offered as a matter of convenience and in no way are meant to imply that Katherine Susan Pagotto and Justin Pagotto endorses, sponsors, promotes or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated.

Katherine Susan Pagotto and Justin Pagotto does not warrant or represent that the site is error free or free from viruses or defects. You must do all that is necessary (including using virus checking software) to satisfy yourself that accessing this website will not adversely affect your computer system(s).

Katherine Susan Pagotto and Justin Pagotto is the copyright owner of all text and graphics contained on this website, except as otherwise indicated. Other parties’ trademarks and service marks that may be referred to herein are the property of their respective owners. You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this website, without prior written permission of Katherine Susan Pagotto and Justin Pagotto.

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the below copyright notice appears in all copies and that both the copyright and this permission notice appear;
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If any part of this disclaimer is held to be invalid, unenforceable or illegal for any reason, the remaining parts of the disclaimer shall nevertheless continue in full force.

This site is only relevant to Australian residents.

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.