How our fees work — and why value comes first.

We are a fee-for-service advice firm. Every fee is agreed with you in writing before any work begins, and we receive no commissions on investment products — advice fees are how we are paid for advice. The full fee structure is set out in our Financial Services Guide.

Why we don’t publish a price list

The honest answer: a number on a website, read before we have even spoken, tells you nothing about what the advice is worth to you. The right fee depends entirely on the scope and complexity of your situation — a straightforward super consolidation and a multi-entity retirement, SMSF and estate strategy are simply not the same engagement. Publishing one number would either overstate the cost of simple advice or understate the cost of complex advice.

So we do it in the order that actually serves you: first a complimentary Discovery Call to understand your position and whether we can genuinely add value, then a precise, personalised quote — in dollars, in writing — before you commit to anything. You will never be surprised by a fee, and you will never pay for anything you have not explicitly agreed to.

What the Strategy Development fee covers

Your Strategy Development fee covers our meetings with you, advice formulation, strategy modelling and forecasts, and the production of your Statement of Advice. The exact fee depends on the scope and complexity of the advice you need — it is quoted up front and agreed before we begin.

Ongoing Wealth Management

Ongoing fees combine a fixed annual fee with an asset-based component, reviewed at each annual renewal meeting and only ever deducted with your written consent under the Corporations Act 2001 (Cth). The exact dollar amount for your situation is quoted before you engage us, disclosed in your Statement of Advice, and confirmed in writing at each annual renewal before any fee is deducted.

Paying for advice from your super

Where our advice relates to your superannuation, advice fees can generally be deducted from your super or SMSF balance (with your written consent) rather than paid from your pocket. Because complying super funds are taxed at 15%, a fund that claims a tax deduction for advice fees it pays can effectively reduce the net cost of those fees by up to 15%.

Whether a fee can be paid from super — and whether it is deductible to your fund — depends on the nature of the advice and your fund's rules. This is general information only; we confirm what applies to you, in consultation with your tax adviser, before any fee is agreed.

Other costs you should know about

If you implement advice, third parties — such as platform administrators, investment managers and insurers — charge their own fees for their products and services. Those costs are separate from our advice fees, vary by provider and product, and are set out in dollars in your Statement of Advice and the relevant Product Disclosure Statement before you make any decision.

Where we advise on life insurance, we may receive commissions from the insurer. These are disclosed in full in our FSG and your Statement of Advice before you decide to proceed.

Ten questions to ask any adviser

Whether you talk to us or anyone else, these ten questions will tell you most of what you need to know about how an adviser really works. We're happy to answer all ten.

1. Who holds your licence — your own firm, or a bank or institution? (Check the ASIC Financial Advisers Register.)
2. How are you paid — fees, commissions, or both?
3. Will you show me the total cost of your advice in dollars, every year?
4. Do you receive anything for recommending one product over another?
5. What happens to the fee if I decide not to proceed?
6. Do you renew ongoing fees with my written consent each year?
7. What exactly do I receive for the ongoing fee?
8. Can advice fees be paid from my super, and what would that mean for me?
9. What qualifications and specialist accreditations do you hold?
10. Can I see a sample of your advice documents before I commit?

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