STAGE 1: Complimentary Telephone Discovery Call
(No fee | No advice | Introduction only)
What this call is:
A brief introductory phone call to get to know each other and confirm whether an in‑person meeting would be appropriate.
During This Phone Call We:
- introduce ourselves
- explain how we work
- outline the services available
- confirm whether we may be a good fit
This call does not involve collecting detailed financial information or providing personal advice.
What Happens After the Meeting
After the complimentary telephone discovery call, you can decide whether you would like to proceed further.
At this stage, you may choose to:
- book a General Advice Meeting if you are seeking high‑level guidance
- book a Personal Advice or Strategic Advice meeting if you require tailored advice
- take time to consider your options and make contact later
- decide not to proceed any further
There is no obligation to continue beyond the complimentary call.
Its purpose is simply to help both parties determine whether an in‑person meeting would be valuable.
Fee:
✅ Complimentary
No obligation to proceed further.
Stage 2: General Advice Meeting
(Factual information | No ongoing commitment required)
High‑level guidance when you want answers, not an ongoing relationship
Sometimes you simply have a question about a financial matter and want clarity — not a long‑term advice relationship. This is where a General Advice Meeting can be helpful.
General advice (also referred to as general information or factual information) provides high‑level guidance only. It does not consider your personal objectives, financial situation or needs, and does not include product advice or recommendations.
This service is designed for people who want to better understand available options, concepts, and considerations before deciding whether more detailed advice is required.
What Happens in a General Advice Meeting
During the 60‑minute session, we may:
- explain financial concepts and strategies
- outline commonly used approaches in Australia
- discuss general considerations relevant to your question
- answer questions to help improve your understanding
The information provided is not intended to imply a recommendation or opinion about any financial product or course of action.
Who This Is Suitable For
General advice may be suitable for:
- first home buyers wanting to understand the buying process and considerations like saving for their deposit
- individuals seeking general education around superannuation, insurance or investing
- people wanting guidance before deciding whether personal advice is required
- those who simply want an independent, professional explanation of their options
What Happens After the Meeting
After a general advice meeting, clients may choose to:
- take the information and make their own decisions
- return in the future for another general advice session
- progress to personal advice if tailored recommendations are required
There is no obligation to proceed beyond this stage.
Fee
$300 (incl. GST)
Duration: 60 minutes
STAGE 3: Personal Advice
(Advanced strategies | Personal advice | Optional Implementation support)
Tailored advice based on your situation and goals
Depending on your circumstances, you may choose between One‑Off Personal Advice or Comprehensive Personal Advice.
Personal advice involves us considering your objectives, financial situation and needs, and providing tailored recommendations documented in a Statement of Advice (SoA), commonly known as a Financial Plan.
Personal Advice Process
Regardless of the option chosen, the personal advice process generally involves:
- gathering information about your current financial situation
- clarifying your goals and priorities
- understanding your investment risk profile
- discussing your investment beliefs, preferences and biases
- researching relevant strategies
- analysing information and developing recommendations
- presenting the Statement of Advice and answering questions
Option A: One‑Off Personal Advice
Targeted advice for specific situations
One‑off personal advice is appropriate where advice is required on one or two specific areas, without the need for ongoing services.
Who this service is suitable for:
This option may be suitable for clients who:
- have less complex financial needs
- want advice on one or two specific financial advcie areas
- prefer to keep their financial arrangements simple
- do not require advanced or ongoing strategies
- are cautious or hesitant about making significant changes without clarity
- do not wish to engage in an ongoing advice relationship
Fee:
$1,250-$2,200
(Agreed upfront prior to commencement)
There is no obligation to proceed beyond this engagement.
Scope clarification and exclusions:
Due to the complexity involved, self‑managed superannuation fund (SMSF) advice is explicitly excluded from One‑Off Personal Advice.
This service also excludes complex strategies, including but not limited to:
- superannuation contribution strategies
- transition‑to‑retirement strategies
- self‑managed superannuation fund (SMSF) advice
- detailed or ongoing investment portfolio construction
Advice outside this scope may be available under Comprehensive Personal Advice.
Option B: Comprehensive Personal Advice
Holistic planning and strategy development
Comprehensive personal advice is suitable where broader planning, implementation and coordination are required.
Who this service is suitable for:
- pre‑retirees or retirees
- families with children and debt
- high‑income earners
- seeking diversified investment strategies
- seeking complex strategies such as self‑managed super funds (SMSFs)
- wanting portfolio implementation and monitoring
- wanting annual reviews and ongoing support
- seeking coordination with their accountant, broker or estate planner (if needed)
Fees:
- Initial Advice Fee: $2,500 plus
- Implementation Fee: $500 – $10,000
(Based on scope, complexity and assets involved)
All fees are disclosed and agreed before work commences.
Insurance Initial Commission
Initial insurance commission: up to 66% of first year premium
This commission is paid by the insurer and does not increase the premium you pay. All commission arrangements are disclosed.
STAGE 4: Ongoing Advice & Annual Service
(Optional | Ongoing adviser relationship)
This level supports clients who value ongoing guidance, regular reviews and strategic updates as their circumstances change.
The ongoing service may include:
- portfolio monitoring
- annual review of your personal and financial situation
- annual portfolio performance and progress report
- administration and implementation support
- access to your adviser via phone and email
- 1–2 ad‑hoc in‑person meetings per year
- annual insurance needs optimisation
- coordination with accountant, broker or estate planner (if needed)
Annual Ongoing Advice Fee
Typical range:
- Typically $3,000 – $11,250,
- generally calculated as a percentage of superannuation and/or investment assets (0.75% - 1.20%)
All ongoing fees are agreed in advance and reviewed annually.
Insurance Ongoing Commission
Ongoing insurance commission: up to 22% of renewal premium
This commission is paid by the insurer and does not increase the premium you pay. All commission arrangements are disclosed.