Financial Organisation
DIVA Financial coaching and management offers a comprehensive approach to achieving financial independence and breaking free from fear and frustration that hold us back.
Our mission is to assist, guide and educate you, so you can take control of your financial future.
At DIVA Financial, we assist you to navigate and resolve disputes with financial, industrial, government and legal systems, and achieve financial and emotional independence. Besides taxation, book keeping and other financial services, we also offer financial education, especially to the youth. We have dedicated programs for university students and mothers and daughters where they get to know the basics of everyday finance and management in a fun and simple manner.
Loan Brokering and Personal Banking Advocate
Our DIVA Financial mortgage broker helps you with:
- Home loan guidance on the loans right for you and the process of securing a home loan
- Refinancing advice to pay out your current home loan and take out a new loan through either your existing lender or through a different lender
- Debt management education to help you pay off your loans sooner
- Tax guidance on how to claim and offset interest on loans to pay for business expenses and education.
Asset and Wealth Management
Our financial advisor helps you build a stronger financial plan in order to protect your assets. Our services include:
- Giving you knowledge of a range of products and services that help you take control of your superannuation, insurance, personal finances, budgets and succession plans
- Education on structuring your personal and business finances in order to better manage risk and allow you to grow your wealth
- Education to prepare for changes in your personal life and pay for the important things in the future like your children’s education and a home
- Support to manage your finances in the longer term which preempt evolving threats and seize opportunities for growth.
Superannuation and Retirement Coaching
DIVA Financial helps you retire with dignity and sets yourself up with a legacy for your children. Our services include:
- Education on superannuation funds so you can understand which ones are best for your situation
- Explanation of what you can expect from your superannuation investment
- Education on wills and planning your funeral because no one should become a burden for the ones left behind.
The DIVA
L.I.F.E. Program
Our commitment to helping you reclaim control over L.I.F.E. – Love, Identity, Finances, Emotions – has inspired our focus on six areas in life which lay a foundation for a secure financial future.
Our consultancy will draw on expertise of our team to support and achieve this secure financial future by focusing our support on each of these areas.
Setting Boundaries and Regaining Control
From our first consultation we will:
- Take the time to listen to your past experience and understand your requirements
- Identify where we can help
- Explain all immediately available services, being ours as well as all the other providers, which can help you right away
- Explain the most important first steps to regaining your independence and how we actually help.
Employment and Resources
Starting a new personal and financial life can be profoundly daunting.
Diva Financial understands the initial challenges of starting again and has developed practical advice to help you take these first steps successfully.
DIVA Financial will support you to:
- Prepare for a return to work
- Explain and connect you with services and programs to rebuild your confidence and skills
- Manage your budget and find workwear to present you professionally
- Find your purpose and create a business or find an employer to help you realise your dreams
- Find a family, work and personal life balance.
Tax and Money Matters
The DIVA Financial team, including our Tax Divas. They are our bookkeepers & accountants who offer a complete service to help you take control of your money, set and stick to your budget and support you to manage your financial obligations.
Our service includes:
- DIVA Financial Budgeting App. Helps you save your money, manage your budget, pay bills, forecast future earnings and even track your kids’ pocket money
- Transparent accounting. DIVA Financial educates you on all your Australian Tax Office (ATO) obligations and helps you remove the fear of dealing with the Taxman!
- Bookkeeping. Our bookkeeper helps you lodge your personal support claims and oversees your budget by using our Xero Partner Program, and at the same time teaches you how to handle your affairs
- Advocacy. DIVA Financial will advocate on your behalf with the ATO, and help you reach a solution in adverse situations. The ATO are not the enemy when you’ve been wronged or made a mistake.
Loan Brokering and Personal Banking Advocate
Our DIVA Financial mortgage brokers help you negotiate with banks on loans that work for you and refinance present loans to help you manage future loan repayments.
Our services include:
- Home loan guidance on the loans right for you and the process of securing a home loan
- Refinancing advice to pay out your current home loan and take out a new loan through either your existing lender or through a different lender
- Debt management education to help you pay off your loans sooner
- Commercial and Asset Finance
- Personal Loans and better solutions. – A link to SMART (AFG)
Superannuation and Retirement Education
Diamond DIVA Program: Retire with dignity and set yourself up with a legacy for your children. Include:
- Education on superannuation funds so you can understand which ones are best for your situation
- Explanation of what you can expect from your superannuation
- Education on wills and planning your funeral because no one should become a burden for the ones left behind.
Our Workshop
Our workshops cover all aspects of finance from a variety of professionals:
- Giving you knowledge of a range of products and services that help you take control of your superannuation, insurance, personal finances, budgets and succession plans
- Education on structuring your personal and business finances in order to better manage risk and allow you to grow your wealth
- Education to prepare for changes in your personal life and pay for the important things in the future like your children’s education and a home
- Support to manage your finances in the longer term which preempts evolving threats and seize opportunities for growth.
Getting Help And Support For Financial Abuse
If you or someone you know is experiencing financial abuse, free and confidential advice is available as part of Diva’s social enterprise service with DIVA Financial.
If you’re in a crisis or struggling to make ends meet, find out how to get urgent help with money. call 1800RESPECT (1800 737 732) or visit www.1800RESPECT.org.au.
Got a Question?
Anything to do with finance is generally overwhelming and can be confusing. Life happens and we can find ourselves in unfamiliar territory. Or, we can find ourselves facing adversity or hardship and can’t see a way through. Nothing surprises us and there isn’t much we haven’t dealt with, so send your inquiry or make time to talk to us.
How do I know where to start if I am overwhelmed with my situation?
It begins with a conversation similar to catching up with an old friend; one step at a time. Every story is unique but there is always a solution.
What can I do if I can't afford a Lawyer and need to deal with a debt that isn't mine?
Our fees are negotiated with you and depend on your circumstances, which means that your situation may involve a recourse action that entitles you to compensative resolve relating to Advocacy work. All divisions have set rates and packages to suit your needs.
We have a team of lawyers we work with, we are your support.
Do you deal with financial divisions relating to Divorce?
We definitely do! As women we provide experienced based knowledge on how to understand ‘split’ financial procedures. Preparing you for the unknowns you face.
Can you help me with Tax and when my partner has used my details?
Yes, confidential and practical guidance is provided in this situation. We will support you to clear up the matter and regain your identity. We are starting by removing the fear of talking to authorities to protect your assets.
Do you provide guidance about mortgages as well?
Yes, we do! We educate you about the best home loans, mortgages and the process of securing them. We also give credible refinancing advice to pay out your current home loan and take out a new loan through either your existing lender or through a different lender.
Join Our Community
Get to know hundreds of Divas around you, standing strong, making huge progress and supporting their loved ones despite all odds. Hear their stories, share yours and get inspired!
What People Are Saying About DIVA
“Melissa Cuturich has been one of the wonders of my life. Melissa had the tolerance, time and knowledge of how to help me to help myself. Calmly she will offer you the tools to build confidence, accomplish your dreams and transform your existence, no matter how hard the situation may be.”
Paula Duncan, AM.
What People Are Saying About DIVA
“If you need Melissa’s help you may have become a non-believer in humanity and goodwill. Melissa has plenty of both. Melissa is familiar with the sometimes insurmountable odd we sometimes face and her guidance and resourcefulness allows you to tackle the first hurdles of getting back on your feet.”
Anonymous
What People Are Saying About DIVA
“Melissa is good at her job. It was great dealing with a female who understood my situation. Her guidance through the process made a huge difference taking away the stress and giving me the confidence to speak out. I will recommend her.”
Perpetua.
Your Safety is Our Priority
If you or someone you know is experiencing domestic or family violence, call 1800RESPECT (1800 737 732) or visit www.1800RESPECT.org.au.
