“We have used James Cruz at Evolution Planning for our financial advice for over 6 years. James has listened carefully to our goals, accommodated our investment style, and calmly steered us through the worst (I hope) of the GFC.

James’ service and expertise extends far beyond simple financial advice and management. He regularly reviews our insurances, succession plans, wills, and investment organisation. Evolution provides an excellent on line document storage facility, so copies of all important records including investment reports, wills and personal documents are easily accessible, should they be required.

James has always responded to enquiries promptly, and has been available for regular meetings at our home or office.

Overall, we are more than happy with the services of Evolution Planning, not only for financial advice and succession planning, but also for assessment and advice regarding some of life’s other important issues.”

“The most important decision when retiring for Julie and I was the evaluation of who can best manage our savings so that we could lead a comfortable lifestyle for the future and maintain our financial requirements.

Thankfully James had been recommended by a valued client and after our introductory meeting we felt comfortable in the knowledge that James had a perfect understanding of our needs. It also meant a lot to us that James who owned the business, would be our advisor and importantly was our contact if we had any queries or questions he would be on hand to answer them.

Over the seven years we have been clients we are always impressed by the way we have been treated by James and his staff. The office is a happy professional environment to visit and we always come away confident that James and his staff have our financial needs under control in our best interests.

I have been pleased to have recommended a number of people to James Cruz and they have all enjoyed similar experiences as Julie and I.“

“I've had the pleasure of working closely with James Cruz of Evolution Financial Planning for well over a decade.

He advises me on my Self Managed Super Fund and operates the platform used to run the fund. I have found the ASGARD platform very easy to use, accurate and up to date in a very volatile market.

I like James' fee for service model which stands in sharp contrast with the percentage of assets invested model which I've dealt with in the past and didn't like.

James is part of a small and effective financial services network in the Northern Rivers which ensures that the administration of my Super Fund is run seamlessly.

James has proven to be both flexible and patient as my needs have changed and the many changes in regulation have swept through the industry. He ensures that my strategy is up to date and aligned with both my needs and the best practice in the industry.”

“Before engaging with the team at Evolution Financial Planning, our Financial Planning matters were disjointed and not aligned to our retirement goals.

We were introduced to the firm through mutual friends who were happy with the advice and service they had received from James Cruz. They were able to consolidate our affairs and provide a structure and process that we were really comfortable with. Their flat fee linked to an ongoing service arrangement has really lightened my concerns about retirement and we feel really confident that our needs are being met.”

“We have been working with James for a few years now and are thoroughly pleased with his service and our only regret is that we didn’t start earlier!

I am a bit of an over-analyser but James patiently listens to all of my “but what if’s?”. He explains things clearly (often more than once), and he doesn't push us or suggest actions that are beyond our level of comfort.

We trust him and we know that he is truly concerned about our financial future. We see this as a long term relationship and we feel safer knowing that he is keeping an eye on us!”