Start with you, not a product
Advice begins with your objectives, circumstances, priorities and risk tolerance, not product preferences, sales targets or short-term market trends.
Advisory · Licensed advice
Clear Advice You Can Hold Us To
When personal financial advice is provided, you should clearly understand what is being recommended, why, what it will cost and how it is intended to help achieve your objectives. Advice that is transparent, documented and built to be reviewed.
Our approach
Advice, in writing.
Where personal financial advice is provided, our recommendations are documented in a Statement of Advice (SoA) or other advice documentation required under the regulatory framework. As an AFSL holder, providing personal advice carries legal and professional obligations: care, skill, diligence and clear disclosure. The document records what we recommend, why, and what it costs, creating a record that can stand up to scrutiny and be reviewed as circumstances change.
Recommend with reasons
Written recommendations explain what is proposed, the rationale behind it, the assumptions relied upon and the factors that may affect future outcomes.
Disclose every cost
Fees, costs and any material relationships are disclosed clearly, so you understand how the advice is paid for and what services you are receiving.
Say so when action is not right
Sometimes the best outcome is to keep an existing arrangement, delay a decision, see a specialist such as an accountant or solicitor, or not proceed at all.
Role
What you receive.
Statement of Advice
Prepared under AFSL 226405
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A Statement of Advice
Formal personal advice documented in an SoA or other applicable advice documentation required under the regulatory framework.
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Reasons and alternatives
Each recommendation comes with its rationale, and where relevant the alternatives considered and why they were not preferred.
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Benefits, risks and costs
The key benefits, risks, costs and considerations of implementing the advice, explained in plain terms.
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A record you keep
You receive a copy and the advice stays on file, a reference point that can be reviewed and updated as circumstances change.
Suitable for
Who it suits.
- Super rollovers & retirement income decisions
- Portfolio construction & investment selection
- Insurance reviews: life, TPD & income protection
- Estate, succession & intergenerational transfers
- Business owners & retirees with complex decisions
- Second opinions on advice you already have
As with all personal financial advice, recommendations will be based on the information available at the time advice is provided and will take into account your individual circumstances. The appropriateness of any strategy or recommendation will depend on your specific objectives, financial situation and needs.
Cost
What to watch.
Professional financial advice involves a cost, and understanding that cost is an important part of making an informed decision. The value of advice should be considered alongside the scope of services provided, the complexity of your circumstances and the potential long-term benefits of having a structured financial strategy in place.
Fees in writing, before we start
We are committed to transparency in relation to fees and charges. Before any advice is prepared or services are provided, the applicable costs will be clearly outlined in writing, allowing you to understand the services being offered, the associated fees and any ongoing costs that may apply. This ensures you have the information necessary to make an informed decision before proceeding.
Disclosure of fees and remuneration
Where personal financial advice is provided, fees and remuneration arrangements will be disclosed in accordance with applicable regulatory requirements. Any relevant costs associated with recommended financial products or investment strategies will also be explained as part of the advice process, together with any material impacts they may have on your overall financial position.
Costs weighed against benefits
It is important to consider not only the direct cost of advice, but also whether the proposed strategy, recommendations and ongoing services are appropriate for your objectives, financial situation and needs. A clear understanding of both the costs and potential benefits of advice can help ensure expectations are aligned from the outset.
Our objective is to provide a transparent and straightforward fee process, so that costs are understood, agreed and documented before any commitment is made.
Important Information: Fees, costs and charges will vary depending on the scope and complexity of the advice required. Full details of applicable fees and remuneration arrangements will be provided before the provision of personal financial advice or implementation of any recommended strategy.
Important Information
Financial advice should be considered in light of your individual objectives, financial situation and needs. Any personal financial advice provided will be based on information made available to us at the time and may be affected by changes in personal circumstances, legislation, taxation rules or market conditions. Recommendations may involve risks as well as potential benefits, and no investment or financial strategy can guarantee a particular outcome.
This information is general in nature and is provided for informational purposes only. It does not constitute personal financial advice and should not be relied upon as a substitute for professional advice tailored to your circumstances. Before acting on any information, you should consider its appropriateness to your objectives, financial situation and needs and seek professional advice where necessary.
Next steps
Get advice in writing, before you make the decision.
A first meeting scopes the question, prices the advice, and tells you honestly whether an SoA is warranted.