Nicole Berina-Lubrin
Carnes Hill,NSW
Summary
Motivated and detail-oriented Associate Adviser with a background in financial planning. Possesses strong analytical skills and a proven track record of delivering comprehensive financial solutions. Dedicated to providing exceptional service and building long-lasting client relationships.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Senior Associate Adviser
PSK Financial Services
04.2023 - Current
- Technical lead for 40+ associate advisors in providing comprehensive financial planning and investment advisory services
- Provide direct assistance and technical advice to the General Manager (Advice Delivery & Policy)
- First point of contact for associate advisers working on complex strategies and modelling scenarios
- Develop and implement customised wealth management strategies aligned with clients' financial goals and risk tolerance
- Assist in associate adviser work allocations
- Liaising with paraplanning leads on associate adviser working papers
- Conduct regular portfolio reviews and performance analysis to optimise investment returns and mitigate risks
- Mentor and train junior team members on financial planning best practices and investment strategies
- Assisted advisers in developing and executing financial plans specifically insurance, superannuation, retirement planning, SMSF and Trusts
- Conducted in-depth financial analysis and market research to identify investment opportunities and risks
- Prepared comprehensive financial reports and presentations for client meetings
- Provide complex modelling for strategy papers and client meetings
- Assist in adviser audits and any remedial obligations
- Assisting in projects (strategy wording in the new SOA) development of processes and procedures and pilot new initiatives.
Associate Adviser
PSK Financial Services
01.2016 - 04.2023
- Providing high quality support and technical assistance to the adviser
- Working alongside the adviser in meetings, liaising between paraplanning and administration and other professional advisers (Solicitors and Accountants)
- Strategy development
- XPLAN modelling, conducing insurance needs analysis and risk researcher for all clients
- Assist adviser in the preparation of advice documents to assess and formulate appropriate strategies
- Prepare alternative strategies, working papers for Best Interests Duty
- Attend client meetings in collaboration with the adviser and contribute to the presentation and discussions
- Research products, strategies and prepare product comparisons and ensure they meet client’s needs and objectives.
Senior Paraplanner
PSK Financial Services
01.2008 - 01.2016
- Operating the SOA submissions workflow and allocation of SOAs to paraplanners
- Operating the Paraplanning email and responding to technical and SOA submission queries
- Preparation of Statement of Advice documents specifically complex strategies
- Prepare detailed financial reports, including cash flow projections, retirement planning analyses, investment performance reports, and capital gains tax calculations
- Assist financial advisers or planners in developing comprehensive financial plans for clients
- Conduct research and analysis on various financial products, investment options, and strategies
- Ensure all client documentation is accurately completed and compliant with regulatory requirements
- Stay updated on industry regulations and compliance standards related to financial planning
- Provide guidance and mentorship to junior paraplanners or support staff
- Conduct training sessions on XPLAN, industry best practices, and regulatory compliance
- Identify opportunities for process improvement and efficiency in financial planning workflows.
Client Relationship Manager
PSK Financial Services
08.2006 - 01.2008
- Serve as the main point of contact for clients, addressing their inquiries, concerns, and requests
- Write review documents
- Maintain accurate records of client interactions, transactions and maintain and update database records
- Assisting with implementation of advice - transactions perform all relevant administration.
Education
Bachelor of Economics -
University of Western Sydney
04.2006
Skills
- Analytical Thinking
- Quality Assurance
- Problem-Solving
- Leadership
- Conflict Resolution
- Task Prioritization
- Written Communication
- Organization and Time Management
- Analytical and Critical Thinking
Certification
Diploma of Financial Services (Financial Planning)
Advanced Diploma of Financial Services (Financial Planning)
Cavendish & ICFS SMSF Specialist – The University of Adelaide
References
References available upon request.
Timeline
Senior Associate Adviser
PSK Financial Services
04.2023 - Current
Associate Adviser
PSK Financial Services
01.2016 - 04.2023
Senior Paraplanner
PSK Financial Services
01.2008 - 01.2016
Client Relationship Manager
PSK Financial Services
08.2006 - 01.2008
Bachelor of Economics -
University of Western Sydney
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