Financial Streams

I highly recommend Financial Streams for anyone making financial decisions at any time during their lifecycle. Josh Kozis, in particular, is a values driven professional, with extensive technical knowledge, someone who is working for my best interests and whom I completely trust (which is so very important when sharing personal financial information). He listened to what I wanted, my goals and future needs and tailored various options that suited me, then took the time to talk through each one to ensure I fully understood. Working with Josh and the Financial Streams team has given me financial freedom and the ability to enjoy living life fully.

We heard of Andrew and Financial Streams through a good friend of ours. I had no idea what to expect. Andrew took us through a whole raft of options and recommended several changes. We are thoroughly satisfied with Financial Streams. Andrew is always prepared to answer our queries and step us through difficult transitions. It has been a real relief to us to have such professional help a phone call away.

I can highly recommend Financial Streams. Their advice and service (thanks Andrew) has been considered and perfect for me. Making me feel comfortable about my financial future and what I can afford to do. Not having to concern myself about what to do as I feel supported and advised on my future. The future modelling is a comfort to know what that will look like financially at age 92 for me. Not sure that Andrew can advise on my body and brain future at 92. 😂 thank you. Michelle and Nicola have been a delight to deal with - thank you. Friendly and very personable. Highly recommend for peace of mind. Michele

Josh Kozis is amazing to deal with. I trusted him the moment I met him and heard his passion for giving people the tools to be financially educated and independent. He is a valued part of our family's financial future, and I cannot recommend him highly enough. I know that any life/financial decision can be brought to him, and he will steer us in the right direction with honesty and professionalism. Josh goes above and beyond for his clients, and his work brings him joy. It's so refreshing to work with a dedicated and passionate person in the finance sector. With Josh, you don't feel like a number or that you are too small - he truly values you as a client. And lastly, when you share your finances, you also share your life's ups and downs. You need an advisor who understands your life situation and goals so they can give you tailored advice. I know we will be working with Josh for a very long time.

My husband and I are thrilled with Financial Streams genuine, friendly and professional service. Andrew has concided our personal individual needs as he has worked with us. We would definitely recommend this wonderful company to anyone.😊

Andrew and Josh have been incredible to deal with. My wife and I sought them out after hearing them on Way FM. They have been very professional, patient and respectful at all times. They clearly and succinctly explained what they offer but more importantly how they can help us create a strong financial future. I especially appreciate how took they time to understand who we are and what we wanted to achieve and align the financial strategies alongside what drives us as a family. I'm so glad they are working alongside us to help achieve our goals.

Andrew Ledingham and Josh Kozis are highly-professional, very personable individuals. Their intimate knowledge of all things financial was incredibly helpful for optimising both myself and my partner's superannuation plans and insurance policies, and their guidance has helped set us on the path to a comfortable retirement. They took the time to get to know us both as clients and worked extensively with us to understand our priorities, which was deeply-appreciated. I highly recommend Financial Streams' services.