Q: What's the value of an Adviser?
Its not just about returns.
A
Value more than just the numbers
A good financial adviser isn’t just about numbers or investments - it’s about having a steady hand in your corner. Someone who helps you cut through noise, make clear decisions and stay on track when things change around you. The tangible value is easy: efficient structures & platforms, smart use of your money, less tax, lower costs and more time doing what matters. But the real value is often harder to measure - having a sounding board who knows your story, keeps you accountable, and helps you navigate the ever-changing, sometimes crazy world of finance with a bit more confidence and calm.
If life is a rally car - we're the navigator in the seat next to you, with the map. And we also wear a helmet.
Q: How does Financial Planning work?
Its a process of building blocks.
See Our Approach.
1
Your Goals
We take the time to get to know you, what's important to you, what you'd like to achieve and when.
2
Your position
We capture the details of everything you have and create a picture of where you're currently sitting financially. We expand on this by liaising with Accountants, Solicitors, Brokers and other professionals and even help you understand what you've got and why.
3
The Plan
We uncover your preferences to risk and investing and tackle strategy trade-offs or any short-comings together. We craft a broad financial plan, using layers of strategy to achieve your goals. We highlight tangible value like cost and tax savings, as well as intangible value like simplifying, protecting risks and clearing the pathway ahead.
We implement everything in the plan along-side you so you can get things in place and get moving.
4
Private Clients
Thereafter, we meet with you at least once per year where we track your progress, update any new or achieved goals, discuss any changes with you and advise on the changing world around you. Any updates to the plan are part of the ongoing service.
Q: What does it cost?
Its a range.
A
Scope & Complexity
Our initial meetings are complementary so you don't pay anything until we know if we'd be a valuable fit for you and you engage us.
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Advice costs are based on the scope of work involved, such as super, pension, investment, insurance etc. Costs are also influenced by the complexity of work in those areas, from a simple retiree couple with pensions all the way up to business owners with family trusts and SMSF. Depending on these factors, costs can range quite a lot. We can give you an idea of costs once we know more about you, your goals and how we'd be helping you. When we know, we're upfront and clear and also help you decide on the best way to pay with costs often fundable from super or pension accounts, taking the pressure of cash flow.
Q: What type of clients do you work with?
Everyone - from singles, families to business owners, busy professionals and retirees.
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See Who We Help.
A
Advice is for everyone
We work with people who are building towards something real; creating the kind of life they want. For some, that’s locking in a stress-free retirement. For others, it’s setting up their kids or buying back their time so they can enjoy the years ahead. These can be busy professionals, business owners, or hard working families, empty-nesters and retirees who want smart, grounded advice and someone they can trust to help them move the needle in their direction.
Q: Where are you located?
A
We're online and 'out & about'
We meet with clients Australia-wide online via virtual meetings or we can meet in person in the Sunshine Coast region, Gympie to Brisbane, and Hinterland. What we save on renting an office enables us to offer more cost-effective services to our clients and lowers the barriers to good financial planning.
Q: How do I tell a scam?
Vigilance is top priority.​​
Visit the ASIC Financial Adviser Register to verify licensing, compliance history and legitimacy of your Adviser.
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Trust your gut & verify.
Financial Advisers are registered with ASIC in Australia and must meet demanding education and ethics standards as well as pass the national Ethics Exam. In order to provide their service, financial advice firms must be properly licensed, should be transparent about fees, and focused on understanding your personal situation before making any recommendations.
You should never feel pressured to act quickly, invest in something you don’t understand, or transfer money to weird places, or even your Adviser themselves. Trusted Advisers encourage questions, explain risks as well as benefits, and provide advice in writing - not just hype and promises.
As a rule of thumb, if it sounds too good to be true, relies on secrecy, or discourages you from seeking a second opinion, it’s a red flag.
Q: What if I already have a plan or Adviser?
We can be a second opinion.
Find out more About Us.
A
Advice is subjective
If you already have a plan or an Adviser, its a great starting point - it means you're actively thinking ahead for your financial future. We often act as a second set of eyes to review and refine your current strategy. Our goal is not to replace but to add value by identifying opportunities, fixing inefficiencies, and ensuring your plan is aligned with your goals.
