Our Services

A FREE initial 15-minute phone call or video call to meet, understand our business and experience and consider your current financial position, goals, concerns and how we can assist. 

We can discuss the types of advice you might benefit from, costs that would be involved and anything else to help you consider if there’s benefit to getting formal advice. 

If you are not sure yet whether you need formal advice, and whether we are the right fit for you, we can do a formal 1-hour meeting with one of our Senior Advisers so you can ask any immediate questions you have and discuss potential strategies in more detail. This may be all you need to then go and make your own decisions and implement your own changes, or it may allow you to confidently engage with us for formal research and professional advice and/r services. 

This meeting is charged at an hourly rate ($440 incl. GST), but the cost will be deducted from any formal advice fees if you then proceed with an advice package.

Once you and your Adviser have agreed on the areas and types of advice you need and want, you can sign off your Letter of Engagement to request us to proceed. 

Our friendly team will work with you to collect your personal and financial information as well as working through your Risk Profile questionnaire so your Adviser has a better understanding of your tolerance for risk and what types of investments/products/strategies will be most appropriate for you. They will also confirm what other documents we will require for your situation such as ID documents, tax returns, authority forms for super/investments/insurances etc. 

At this stage, you are required to pay the Advice Fee portion of your agreement, to enable your Adviser to begin their research, complete financial modelling and more (per the Research & Strategy section following).

Once your Adviser has gathered all of your relevant information, you will be scheduled into a Strategy meeting with your Adviser. This meeting allows you and your Adviser to discuss their initial findings, clarify any points of information they require, and delve further into your financial and personal goals, and prioritise them with you. 

Your Adviser will then work through the formal research process of your existing products/strategies, analysing cash flow trends and needs, reviewing your personal/overall risk position and risk matrix, review your insurance needs analysis and consider alternative strategies/products which might be beneficial for you. They will create your “Current” financial model and then create and compare alternative options to ensure the most beneficial and appropriate advice is provided to you.

Your Adviser will consult with your Accountant and/or Solicitor as required through this process if it is necessary for the accurate provision of your Advice. You should advise your other specialists that we may be in contact for this. 

Once all research, financial modelling and quotes are completed by your Adviser and the team, your formal Statement of Advice document is created. This document allows your Adviser to layout the recommendations they are making, the reasons, benefits, risks and alternative options to you, as well as any costs or other matters for you to consider so you can make an informed choice.

You will be scheduled into a meeting (online/phone or in-person) with your Adviser who will take you through the advice, consider any changes that need to be made in conjunction with you, and then send the documents to you for electronic sign-off which authorises us to begin implementing the advice for you. 

Your Adviser will ensure the advice is clear and you understand it fully before anything is implemented, and alterations to the Statement of Advice can be made before final signoff. 

Once you have signed the Authority to Proceed for this advice, we will begin the implementation process, and keep you updated throughout the process.

The Implementation Fee must be paid prior to advice implementation starting. 

Once your advice document has been signed off, we will start preparing any paperwork, applications etc. which are required to put the recommendations in place. These will be sent to you electronically to review and check for any errors, before you formally sign off to proceed with each step. Our team will keep in contact with you to follow up outstanding items, and answer any questions you may have along the way. 

We work closely with the Underwriters of the insurance providers, and we will work with you directly also for any insurance applications being put in place. We will also manage the process with the superannuation funds, investment firms and any other provider who is involved in your implementation process i.e. Accountant, Solicitor etc.

We will keep you updated through the process and let you know once implementation has been completed in full, or if any alterations are required due to changes in your personal/financial situation, or with a product provider, or with legislation/the economy.

This is by FAR the most important stage.

If you ask us how to get from the east coast of Australia to the west coast, we can draw you a map. This is your initial Statement of Advice. 

But if you want a support driver to help you navigate when roads get flooded, find alternative routes, discover shortcuts to get you there sooner and help you fix a flat tyre - this is our Ongoing Service. 

Depending on your situation complexity and/or needs, this may include annual, quarterly or monthly reviews. It also includes ongoing monitoring of your position and investments to ensure your financial future remains on track and you are not exposed to unnecessary risks.

All clients on Ongoing Services receive;

• Unlimited emails, calls and questions
• Set annual, quarterly or monthly meetings to review your products and strategies, consider any changes to your position or goals, and plan for the year ahead
• Ad hoc meetings as required
• Ongoing Financial Coaching (if wanted) to help you take more control over your      finances and actually enjoy it!
• Second opinion service on any jobs, projects or investment opportunities      presented to you
• Powerful cash flow monitoring and budgeting software - get total transparency over      where you money actually goes and get help to stay on track and committed - like a Personal Trainer for your finances!

Our team will setup the ongoing advice and investment management fees during the implementation process. Your Adviser will regularly review your products (superannuation, investments, insurances), review of your annual tax returns and anything else that has been requested by you through your formal Letter of Engagement.

You will receive ad-hoc reviews if required through the year, for example for changes to tax law, super law or any other legislative changes which may impact your long-term position, identifying any new opportunities which may have arisen as well as any new gaps/risks which you need to be aware of. 

You will receive economic and other news updates/communications from us from time to time based on your products held and relevant news – you may opt-out of this information marketing at any time. 

Once a year, your Adviser will sit with you (online, phone or in-person) to complete a full personal and financial review to discuss the above matters that have been managed through the year and consider what changes you should implement at this point. We will assist with your tax returns (if engaged with us for this service) and ensure you are always maximising your position for your future. 

Where do the meetings take place?

The initial meeting is online, either by phone or online video meeting - this way you can fit it into you busy schedule and can be completed at work or home.

The more formal advice meetings from there can be held anywhere - you can come to one of our many offices, or we can come to you either at work, home, a favorite café or we can arrange a serviced office at a location convenient to you. Of course, phone or Zoom are always an option and often preferred by clients to fit into their busy lives.

If I become an ongoing client, am I locked into an ongoing contract?

Our ongoing service is on fixed term 12-month contracts, at the end of which we can review and consider whether you wish to start another 12-month period or manage your finances yourself.  

What if I only need a one-off piece of advice?

If you have a single area you wish to discuss we can arrange a quote for a one-off advice fee.

Are fees tax deductible?

Fees paid from superannuation are tax deductible to the super fund. Ongoing service fees relating to investments outside of superannuation may be tax deductible. We will work with your Accountant if needed to ensure you get the maximum deduction.