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 — the fees below are how we are paid for advice. This schedule mirrors our Financial Services Guide (Version 2, March 2026).
Our fee schedule
| Service | Fee |
|---|---|
| Initial meeting | $385 (incl. GST) — waived if advice proceeds |
| Strategy Development — Statement of Advice | From $4,950 (incl. GST) |
| Ongoing Wealth Management — Wealth Accumulators | $2,450 p.a. fixed + 0.88% p.a. of assets under advice |
| Ongoing Wealth Management — Pre-Retirees & Retirees | $2,950 p.a. fixed + 0.88% p.a. of assets under advice |
| Ad hoc work — administration | $165 (incl. GST) per hour |
| Ad hoc work — financial adviser | $440 (incl. GST) per hour |
| Ad hoc work — director | $660 (incl. GST) per hour |
All fees are agreed in advance. Where work falls outside standard scope, an ad hoc fee is quoted and agreed before anything commences.
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 — worked examples
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 asset-based fee varies with the value of your assets under advice. The exact dollar amount is 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 (up to 60% of the initial annual premium and up to 20% of ongoing annual premiums, plus GST). These are disclosed in full in our FSG and your Statement of Advice.
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.
- Who holds your licence — your own firm, or a bank or institution? (Check the ASIC Financial Advisers Register.)
- How are you paid — fees, commissions, or both?
- Will you show me the total cost of your advice in dollars, every year?
- Do you receive anything for recommending one product over another?
- What happens to the fee if I decide not to proceed?
- Do you renew ongoing fees with my written consent each year?
- What exactly do I receive for the ongoing fee?
- Can advice fees be paid from my super, and what would that mean for me?
- What qualifications and specialist accreditations do you hold?
- Can I see a sample of your advice documents before I commit?
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General Advice Disclaimer
This page contains general information only and does not take into account your personal financial situation, objectives, or needs. Before acting on any information, you should consider its appropriateness having regard to your own circumstances, read our Financial Services Guide, and seek personal financial advice. Tax outcomes depend on your circumstances and should be confirmed with a registered tax agent. Wealth Designers Advisory Pty Ltd (ABN 26 650 483 300, AFSL 562647).