“When Raphael was recommended to us, as a family we weren’t looking for a financial planner. We thought we were financially secure. The friend who recommended him convinced us to connect with Raphael because of all the positives she had to say about him. Now it’s been almost 2 years since we’ve been working with Raphael. He has not only helped us understand the critical and hidden details about our old insurance policies but helped us customise and configure them in a future proof manner. There were extremely important details that we learnt about insurance policies through him which we otherwise wouldn’t have known. His advice and service has now given us the confidence that we’re on the right track with our insurance policies. Apart from being well informed and having wide knowledge he is also very dedicated. Raphael is extremely unique in what he does because he is focused not only in offering his services in a professional level but he actually cares for his clients in a personal capacity. He prefers to develop relationships showing his loyalty and perseverance to make sure his clients are secured financially. This has been a blessing for our family to know that we have a financial planner who genuinely cares about us and can always rely on him for advice. It’s rare that we find a genuine person whom I can recommend to all my friends. I strongly recommend Raphael to anyone, even if you might think you’re secured financially and your insurance policies have been reviewed, I still urge you to reconsider reaching out to Raphael for advice and guidance in relation to your financial planning. I’m so glad that our friend convinced us, so I share this recommendation with you.”

“When I was first introduced to Raphael and Zeal Financial Services, I had separated from my now ex-husband and quite unsure what my financial future would look like. I had a modest personal savings plan but every time I thought about my financial future, it gave me severe stress and anxiety. From the very first meeting I knew that Raphael provided a genuinely unique financial planning service and investment advice – for the first time in a very long time I felt hope. Raph has a client-first philosophy and that means so much more than just sitting down with a client and working out a retirement plan, he understands the life I want to live today and into the future. Raphael also truly understand my tolerance to risk, he has built a personalised financial plan that caters to my lifestyle and goals. I now feel safe in trusting my financial future with Raphael and Zeal Financial Services.”

“My wife Susan and I have been clients of Zeal Financial Services for the past couple of years. Prior to being introduced, we had made initial assumptions about the value of a financial adviser to support our family’s immediate and long-term needs. However, when approached by Raphael, he took the time to sit down with us, made tremendous efforts to explain the role of an adviser, and worked with us to align our goals with his vision toward financial freedom and stability. Having a child with special needs comes with its own challenges; and with Raphael’s support and guidance, we are confident that we are on a path that prepares us well for an uncertain future with its potential risks and better protects our investments.

Raphael is an approachable, client-focused, caring, kind and extremely savvy financial adviser whom we are privileged to be associated with. Thank you Raphael for everything you do for our financial well-being. We are truly grateful to have you in our corner. Best decision we ever made.

We highly recommend Zeal Financial Services.”