Financial decisions are rarely transactional. Whether it’s planning for retirement, investing money or arranging insurance, you need answers that are accurate, timely and importantly come from someone who understands your situation.
Yet over the last decade most banks, insurers and other product providers have steadily shifted routine contact away from local relationship teams and into anonymous call centres (often offshore) and automated systems including increasing use of AI and ChatBots. That change saves costs for providers, but it changes your experience in ways we see every day.
This approach creates predictable service gaps when matters are complex, time-sensitive, or need human judgement - exactly the moments you most need someone accessible, accountable and experienced.
When personal contact is removed or diminished, the following issues often appear:
Slower resolution on complex issues. Call-centre agents or ChatBots follow scripts and escalate more unusual matters - adding delay.
Fragmented history and knowledge loss. Every you speak to a different person, you lose continuity; explanations must be repeated, and context can be missed.
Risk of errors and misinterpretation. Experience with financial decisions matters; contact centres can misunderstand requirements and miss critical issues.
Lower confidence and trust. Not knowing who to call or where accountability sits increases stress, especially around money.
The Core Advice model: what you get instead
Working with a financial Adviser team that prioritises personal contact gives you a different experience - one aligned to personal pro-active service and long-term planning:
A consistent point of contact. You work with a team who knows your history and can act on your behalf. That continuity reduces friction and time to resolution.
Contextual advice, not scripts. We apply professional judgement - we can assess trade-offs, explain tax or regulatory implications, and tailor options to your goals.
Proactive service. We watch for events that matter (policy renewals, market shifts, maturing products) and often raise issues before they become problems.
Advocacy and accountability. We follow up with product providers, escalate where necessary, and take responsibility for coordinating outcomes.
Emotional bandwidth. Money conversations trigger emotions. We can provide reassurance and clear explanation when you are stressed.
There are times when personal contact is not a luxury - it’s essential:
life events (divorce, death, inheritance),
large or complex transactions (selling a business, restructuring investments),
disputes or claims (insurance payouts, provider mistakes),
tax or legal complexity, and
when timing is critical
In those circumstances, the difference between a nameless call centre and personalised service can be measured in outcomes.
“Who are you going to call?” is more than a rhetorical question - it’s a risk-management question. Choosing to work with the team at Core Advice gives you a consistent point of contact, proactive advice and someone who will stand with you for the long term. That isn’t just about comfort - it’s about financial security.