This gallery showcases two stories from the 2018 Enjoy Factor book. To read the full publication, please click here.

  • Julie & Rod Sinclair
  • Marlene McCann
Julie & Rod Sinclair teaser

Julie & Rod Sinclair

Our Enjoy Factor this year included a White Christmas in the Slovenian Alps and lots of snow in the New Year in Switzerland. Lake Bled and Ljubljana in Slovenia were most memorable and some of the Christmas card images through Germany, Austria, Italy and Switzerland were our highlights. To see snow falling and experience Christmas markets provided some lasting memories.

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With Provident's support, we were able to experience not only this fantastic holiday but have planned another United Kingdom holiday in June followed by a week in Queenstown, New Zealand for a family get together in August.

The annual travel insurance, organised through Polly and her team, has enabled us to venture far and wide and live life to the fullest knowing that we were well covered.

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Marlene McCann teaser

Marlene McCann

I have been very fortunate in having a long career as a Radiation Therapist, enabling me to work and travel all over the world. In 2015 I fulfilled a life long dream of visiting the Falkland Islands, which have amazing wildlife and friendly Falklanders. I then sailed to South Georgia and Antarctica which are among the most beautiful, rugged places I have ever been to.


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Since retiring in 2016 I have continued with my love of nature photography, visiting six national parks in India in 2018. Seeing the endangered one horned Rhino and Tigers was a dream come true, amazing to be so close to these magnificent animals.

Thanks to Paul and the Provident team, who have looked after my financial future for over ten years, I am still able to follow my dreams.

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Enjoy factor moments

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Our vision PLAN. HELP. ACHIEVE. is a series of stepping stones designed to help you explore what it means to enjoy life with financial security. Let us help you discover what your Enjoy Factor is. -

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Our Enjoy Factor is spending time in retirement with the grand-kids and having fantastic holiday adventures. - Jim & Connie Medew

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My Enjoy Factor is volunteering for the Nakuru Hope Gabriel Learning Centre in Kenya. I get the ‘joy’ in my enjoy factor, from the smiling faces of those I am privileged to be able to help; those who so desperately need it. - Gayle Greenwood

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Thanks to careful planning by our wonderful team at Provident, we have been able to travel around America and the United Kingdom enjoying the beginning of our retirement visiting family and friends. - Gerri Garland & Steph Mutch

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We are very satisfied with the service provided by Polly & Provident and can’t recommend them enough. - Matt & Pip McMullen

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Paul, Greg and the team at Provident have become more than just financial advisers to us over the years and are as much friends as they are advisers. - John & Vicki Evans

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Thanks Polly and Greg – you remove plenty of worry from my life! - Richard Murrell

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Provident, Paul Carter and Greg Neill have done an excellent job organizing our financial affairs such that we can draw funds as needed to enjoy these fabulous overseas holidays. - Bob & Bev Berven

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