Fees
How we charge for advice
We believe you should understand what advice will cost before any work begins. We discuss fees early in the conversation and agree on a structure that suits your circumstances, your goals, and the service you need.
There is no single fee that applies to everyone. The cost depends on the complexity of your situation and the type of advice involved. We will always be upfront about what you will pay, and you will have the opportunity to ask questions before committing.
Fee structures we use
Depending on your situation, one or more of the following fee arrangements may apply. Your adviser will explain which structure is most appropriate and why. We do not charge asset-based (percentage of portfolio) fees — our fees are fixed and agreed in advance, so you always know what you are paying.
Advice preparation
A one-off fee for researching your situation and preparing a Statement of Advice (SoA). This covers the analysis, strategy work, and written recommendations.
From $3,300
Ongoing advice
An annual fee for clients who want regular reviews, portfolio monitoring, and access to their adviser throughout the year.
From $3,300 per year
Ad hoc advice
A fixed fee for one-off questions or decisions that sit outside an ongoing arrangement — for example, reviewing a specific insurance policy or a change in circumstances.
From $3,300
Implementation
Where advice involves setting up accounts, moving funds, or placing insurance, an implementation fee may apply. This is agreed before any action is taken.
Discussed upfront
Insurance commissions
If we recommend a personal insurance product, the insurer may pay a commission to the licensee. This is disclosed in your Statement of Advice so you can see exactly how much is paid and by whom.
Any commission received is fully disclosed in your Statement of Advice.
What to expect
Fees are discussed early. Before any paid work begins, we explain what it will cost and what you will receive.
You decide whether to proceed. There is no obligation after the initial conversation.
Ongoing fees require your annual consent. Each year we send an Ongoing Fee Arrangement form. You choose whether to continue.
All fees are inclusive of GST. The amount you see is the amount you pay.
Further reading
For independent guidance on understanding financial advice costs, visit the Australian Government’s MoneySmart guide to financial advice costs. Our Financial Services Guide also contains detailed information about how we are paid.
Want to understand what advice would cost for you?
The first conversation is at no cost. We’ll explain what’s involved and what it would cost before any paid work begins.