How we charge for our services.
We believe that you have the right to be fully informed about all fees and charges. That is why we disclose all fees and charges upfront so there are no surprises.
The initial consultation is all about us getting to know you and understanding your financial goals.
You also get to know us, to understand our services and to decide whether we can assist you to reach your goals. Personal advice is not provided. This meeting is obligation-free, and the cost is $220.
- After this meeting, we provide an email summary of the discussion and the next steps required to provide you with personal advice.
- We also confirm our fee for providing written advice based on the complexity and scope of advice you require.
This may include:
- Collection of financial information
- Goal setting
- Research / investigation
- Cash flow analysis
- Preparation and presentation of Statement of Advice (SoA)
- Implementation of products
Insurance Only SoA: From $1,100
Strategy Only SoA: From $2,200
Retirement Planning SoA: From $3,300
Complex Advice SoA: From $4,400
The specific amount will be quoted to you in a Terms of Engagement after consultation with you. This document will need to be signed prior to us proceeding with any advice preparation.
Initial Insurance Commission (if relevant)
We may also receive a commission of 0%-80% based on the first years’ insurance premium from any insurance products we recommend.
This may include:
- Ongoing advice
- Annual portfolio or Financial situation review
- Tracking towards goals
- Ongoing administration support
We have different levels of ongoing service plans and fees depending on the level of service you require and the complexity of your strategies or portfolio. These fees will be agreed between you and your adviser.
Stepping Stones: From $1,980 per annum
Steps at Ease (Retirees): From $2,640 per annum
Active Steps: From $5,280 per annum
We offer our annual portfolio or financial situation review on a transactional basis to those who do not want to engage our ongoing services.
Ongoing Insurance Commission (if relevant)
We may also receive a commission of 0%-20% per annum based on the renewal premium of the insurance products we recommended.
The initial and ongoing fees outlined above represent the amounts that would be payable for services within the range of those typically provided. However, it is possible that you may seek special advice or services, which require more time and resources than would generally apply. If so, we will provide a separate quotation for those services and seek your agreement before any additional work commences.
Unless otherwise stated, all fees are GST inclusive.
What We Offer
Australians now have more opportunities and greater flexibility when it comes to Pre-Retirement, Retirement Planning and superannuation.
Cash Flow & Budgeting
Managing your cash flow wisely – what comes in and goes out – can have an enormous impact on your financial goals.
By taking charge of your money and making sure that you are spending less than you are earning, you will ease money stress and feel more secure and in control.
No matter how long it takes or how detailed the process, we are always happy to assist our clients in an insurance claim process.
Financial wealth is just one component of wellbeing. We need money to lead the life we want, so it is important to plan and consider the following investment criteria.