What We Do

We provide the initial consultation at no cost and with absolutely no obligation.

Following this consultation, we will send you a written Proposal IF it is advisable to do so, specifying the scope of advice to be provided and clearly stating the applicable fee.

IF you ask us to proceed, we prepare the Advice Document (known as the Statement of Advice) and we arrange a further consultation with you for presentation of our recommendations.

IF your Statement of Advice includes recommendations that require implementation and you wish to proceed, we will assist you throughout this process.

Our Statements of Advice are tailored and comprehensive.  We do not provide generic, low quality advice.

We do not take up front commissions.  Rather, we believe that fees should be based on the complexity of advice, not on the amount a person has available to invest.  The latter arrangement usually results in high fees that bear no relevance to the advice provided.

Your Statement of Advice will detail the ongoing service arrangement appropriate to your circumstances, IF required, and will specify our ongoing fee for this service.

For example, it may be advisable for us to:
• review your income generation strategy on an ongoing basis;
• keep you up to date about legislative changes that may affect you, and advise accordingly;
• provide ongoing Centrelink assistance, liaise with Centrelink on your behalf, and determine future entitlements such as Age Pension;
• assess your asset allocation strategy on an ongoing basis;
• advise upon your investments and / or insurance arrangements, as and when changes occur or are recommended;
• help you with your Estate Planning, as your circumstances change;
• determine whether strategies are available to minimise tax as you sell down assets or acquire assets i.e. Capital Gains Tax, tax on investment earnings, tax on super withdrawals or pension payments;
• asses your options when it comes to Aged Care Services and advise where appropriate and/or
• monitor ongoing strategies such as salary sacrifice, transition pensions, and dollar cost averaging.

In addition to the above examples, we take care of the paperwork, administration and updating of information on your behalf. For example if you move, change Bank Accounts, marry, divorce or your spouse dies, we notify the institutions and, where required, arrange the necessary documentation; If you need to complete paperwork, be underwritten for insurance, update Centrelink about your assets and income, we assist you through to completion and, where possible, we check to ensure that all is in order at finalisation.