Conclusion

Self-determination is about clients having the right, ability, and confidence to make their own financial decisions. Financial mentors support this by empowering clients—helping them recognise strengths, build skills, and take increasing responsibility for their financial affairs.

Informed consent is central to self-determination, ensuring clients understand services, options, risks, and benefits, and can make voluntary, informed choices throughout the mentoring process. This approach respects client autonomy, fosters confidence, and enables clients to direct their own financial journey.