We met with Andrew and Siona and discovered that in the instance of an accident or trauma, it was unlikely the insurance company would have paid us. Andrew and Siona talked us through all our options and different insurances. After reviewing all the available products, we were able to choose the one that best suited our needs.

We decided some time later that we would like to review our options and see if there was a better deal out there for us and to discuss our other financial needs. Not only were Andrew and Siona happy to do this for us, they were happy to meet with us once again to discuss our finances and insurances and answer all our queries.

Andrew and Siona are always available to take our calls, answer any queries (even when they are on holidays) and are always happy to meet face-to-face to discuss our situation. We have such confidence in both of them and feel safe and secure knowing they are looking after our financial situation and the future of our family.

~ Clint and Belinda Dahlstrom

It is one thing to work hard for a future and another to achieve your goals. With Andrew and Siona makes our life easier knowing there is someone who is sincere, honest and always available to assist us in our needs.

~ Alex Owen & Natalie McRae (Owen)

May God bless you and I hope you will have a wonderful holiday and will return rested and ready for the new year.

Merry Christmas and all the very best for the new year!

~ Thys Hartmann

I first met Andrew and Siona in 2005 and asked them to set up a small life plan so I would be protected in my own business as I was always shopping around in a very confusing market. After discussing different options and having answers that were honest and professional I then gave my complete portfolio to them to handle including my wife and family.

I would highly recommend Andrew and Siona to anyone as I have already done so to many friends and employees. Thank you for a complete professional and honest service.

As new immigrants, it was really difficult to make an informed decision on our choice of insurance agent. Usually one would have the benefit of own experiences and referrals from family and friends. Siona, a personal friend, suggested that Andrew and her come down from Perth to discuss our life insurances and superannuation. We accepted their offer and were really very impressed with their professionalism and the services offered by A and S Planning. We would recommend A and S Planning without hesitation.

~ Andrew and Sandy Laurens, Albany, Western Australia

I felt such relief after meeting with Andrew and Siona to sort out my superannuation and life insurance. I was surprised at the options available to me. As a stay at home parent finding affordable life insurance was our priority – and we achieved this with help from A and S Planning. Their quotes came back much less than our bank provided us. So now our family wealth is protected all at a price our budget can afford. Thank you.

I found my experience with A and S Planning to be very professional and consultative in nature.

Thank you very much for your help and incredibly quick responses to all my requests. I would gladly recommend your service to my friends or anyone who might be interested in taking up insurance policies. Thanks for the step by step guide through the process. I feel confident now that I am covered.

~ Tse Yin Chang, TAD Graphics (www.t-adstudio.com)

When I arrived in Australia I struggled to find anyone who could shed clarity on issues regarding life insurance for the non permanent residents. The majority of banks would not entertain any life cover possibilities with me and were prepared to offer financial planning at a ridiculous cost. I was offered existing packages in a 'take it or leave it' fashion and it was then that I met Andrew and Siona.

They listened to my circumstances and put together a custom made insurance package that met my needs and family requirements.

I personally like my insurance portfolio file that was prepared by A and S Planning which allows me to monitor my financial estate more accurately and prevents me from any financial shortcomings that life may bring. Thanks to Andrew and Siona, I was able to get the best cover effectively and timeously. I can gladly say that while I enjoy living my life and playing with my kids, my future financial plans have been well looked after. Thanking you both.

~ Eddie and Kate Quintana

Having Andrew and Siona handle our insurance needs has given us complete peace of mind.

Putting our trust in their expertise was made even easier by the fact that they provide a highly personal family orientated service. No distance is too far for these two wonderful people – no expense spared in order to provide only the very best service at no cost to ourselves.

Knowing that our insurance needs were dealt with in an honest and caring way gave us complete peace of mind and trust in their capabilities. Their genuine care was foremost in their plan to provide us with all we needed. In today’s times, finding genuine and honest service is a truly rare find!

~ Paul and Debbie Heubner, Torquay, Victoria

Andrew offered to do an analysis under no obligation or at any cost to me, on so doing I realized the financial risk me and my family were exposed to and took out a policy through him immediately. I also referred him to my son Scott and his wife Megan. We are all very happy with the professional and personal way Andrew and Siona always conduct business with us never failing to do that very important annual review.

~ Martin Perry, Mr Insulation

Paul and I would like to thank you both, Andrew and Siona, for helping us with setting up our Super and Life Insurance last year in March 2006. It has been fantastic dealing with you both. Your professionalism and friendliness has made the whole process a pleasure for us and given us peace of mind because you were able to give us the best deal for our needs.

Thank you once again.

~ Paul and Shelley Le Monnier, Esperance, Western Australia

A friend and happy client of A & S Planning suggested we contact Andrew & Siona. We had known for a few years that we were under insured. After flying 3 hours to meet us, at no cost to us, A & S were able to increase our cover dramatically for a little extra per month. We found them not only to be very professional and extremely knowledgeable, but lovely people to deal with.

~ Laurie and Libby Atkinson, Torquay, Victoria

In February 2003, I was diagnosed with a life threatening bone marrow cancer (Acute Myeloid Leukaemia). Treatment for my leukaemia started almost immediately at Royal Perth Hospital and for the most of 2003, I was hospitalized and suffered terrible side effects from the treatment of chemotherapy.

Overall, I was off work for about a year. During that time, we were coping on a single source of income which put a strain on our finances. My husband had continued working full time while taking care of me after office hours whether I was in hospital or at home.

We were very fortunate that through Andrew Maciejewski in 1992/1993 who helped tailor for us an insurance come investment plan catered to suit our needs – a scheme that we could fall back on in the event that our main priority of meeting our mortgage payments was compromised.

We will always be grateful to Andrew who during our crisis, helped us to process the insurance claim covered under the Trauma / Critical Illness Policy.

Our claim was promptly settled within a short period of time, we received our cheque which more than covered for the loss of my income during the time that I was unable to work. In this respect, it was a heavy load off my husband’s shoulder.

Having been through a harrowing experience, both of us have always maintained regular contact with Andrew who continues to advise us on ways to adequately provide for our financial needs for the present and future.

~ Fay Macfarlaine – refer to claims for story and more pictures