This gallery showcases two stories from the 2021 Enjoy Factor book. To read the full publication, please click here.

  • Su & Brian Owen
  • Paul Winter & Dee Constable
Su & Brian Owen teaser

Su & Brian Owen

Retirement!  A word often thought about with anticipation and excitement and, also, firmly placed in the future. Until it isn’t! 

This year retirement was no longer in the future and there were lots of decisions to be made. 

Decisions like “what’s the best way to access our money?”, “what will we do each day now we have all the time there is?” and, perhaps the most pressing, “how do we feel about our long time financial advisor retiring just when we perceived we needed him the most?”.  

We needn’t have worried. Our retiring trusted advisor, Greg Healy, who had provided excellent advice, service and friendship had found, for us, the perfect replacement in Greg Neill at Provident. 

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Our first combined meeting turned out to be a seamless handover of our affairs, a continuation of the excellent service previously received and a great relief at a potentially stressful time. This was our first “enjoy factor” with Provident Financial Services. There have been many more since. 

Working with Greg Neill our financial decisions are adequately informed and quickly and easily made. We dedicate our free time to determining just what we want to do with said free time and to enjoying spending the money being regularly received!

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Paul Winter & Dee Constable teaser

Paul Winter & Dee Constable

Dee and I were introduced to Greg (Provident) in 2013 shortly after our arrival from the UK, we were fortunate to have had a very helpful and trustworthy FA in the UK who over many years had given us excellent advice and we had enjoyed significant growth in our investments so having moved halfway round the world were needless to say a little nervous and apprehensive in our search for a new FA.
 
We followed up on a recommendation from an acquaintance and were very pleased when Greg was able to spend time with us on the first of many home visits, his ability to break down into language that we could understand the vagaries of the Australian financial system gave us the confidence to follow his advice, and by doing so have been able to follow our dreams.
 
During our discussions we expressed a wish to travel not only in Australia but back to the UK and Europe, his answer was to encourage us to ”get on with it” as a result we have visited family and friends in the UK and Europe and invested in a fabulous off-road caravan with a Land Cruiser to tow it.

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We took delivery of the van in 2017 and have had some fantastic adventures already, 2018 we travelled across the Nullarbor to Port Augusta and then up the Birdsville Track to attend the Big Red Bash and back to WA via Alice Springs and the Great Central Road.
Since that trip we have spent Christmas holidays in Esperance and Denmark, toured the wild flower areas in WA amongst others.
 
Now for the best bit, The Big Lap!! After being asked by Greg several times why I was still working and when we were going to do the Big Trip I was assured that our future was secure and DO IT NOW. So after several months planning not only are we off on the lap but we are being accompanied by our daughter son in law and the four grandkids (in a separate caravan!) we have yet to leave WA but are currently only a few K’s from the border at Lake Argyle.
 
Greg and Provident have allowed us to follow our dreams, as for the enjoy factor we are definitely enjoying the factor!!

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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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