We start by getting to know you – your situation, concerns and what you’d like your life to look like in the future. From there, we help you clarify your goals and put a clear plan in place.  Our role is to make the complex simple, keep you on track and give you peace of mind. We take a wholistic view of your finances to help you grow and protect your wealth, minimise tax and ensure your family is secure both now and in the future.  This can include things like super and investments, retirement income strategies, tax efficiency, Centrelink entitlement and estate planning considerations.  Most importantly, we give you clarify and confidence around your money, so you can focus on enjoying life.

Most of our clients are aged 50+ and starting to get serious about their retirement journey or are about to take the leap and retire.  Some are now already retired, however, if you’re earlier in your financial journey and want guidance to set yourself up well, we’re always happy to talk.

Our fees are designed to be flexible and reflect the type of advice you need. They can vary depending on the complexity of your situation and whether you’re looking for one-off advice or ongoing support. Typically, there may be an upfront fee for advice, an implementation fee if you’d like us to put strategies in place, and an ongoing fee if you’d like regular reviews and ongoing guidance. Not everyone needs all of these — we’ll tailor the approach to suit you.

There are also different ways fees can be paid, and we’ll help you structure them in the most effective way for your circumstances. Before you make any commitments, you’ll always know the costs upfront and understand exactly what you’ll receive in return. Most importantly, we want you to feel confident that the value of our advice outweighs the fee — giving you clarity, peace of mind, and a plan you can rely on.

No, not from investment or superannuation products. Our advice is fee-for-service, which means we’re paid directly by you for the advice we provide, not by product providers.  This way, you can feel confident knowing our recommendations are always made with your best interests in mind. The only exception to this is life insurance advice, where commissions may be paid if we agree cover is appropriate for you – and we’ll always explain this clearly, upfront.

Yes. We often collaborate with accountants, lawyers, and other professionals to make sure all aspects of your financial and estate planning are aligned.