Frequently Asked Questions.
How do you charge? And how much?
We charge flat dollar fixed fees for a combination of our time, expertise and experience. We refuse to accept any commissions. If they cannot be eliminated, they are rebated back in full to our clients.
At the end of the initial Financial Road Map meeting, we will let you know the cost of the advice should you decide to proceed any further. The cost is based on your individual needs. We do not start any work without your approval.
Do you provide advice on Industry Funds?
Yes. Unlike most financial planners who try and direct all their clients onto the same retail investment or superannuation platform, we have an open transparent process that provides our clients choice in how they invest their superannuation and any other investments.
Do you have an investment philosophy?
We do. There are a few key elements that form the foundation of how we recommend our clients invest their super and non-super investments. It must be backed by academic quality evidence that it can deliver consistent returns when compared to alternative strategies. The investment approach must allow clients to get through market downturns. We also have a focus on the cost of investing, as the promise of high returns based on expensive management fees rarely delivers. This means our clients consistently pay lower superannuation and investment fees.
Can you provide ongoing advice to keep me on-track?
Yes. Our Client Care Packages enable our clients to stay on the best path to their retirement.
Do you have an associations or connections with product providers?
Absolutely not! As true independents, we have no conflicts of interest and have no incentives to direct our clients' money into any particular product.
I'm in my mid to late 40s. Can I still get advice from Strategiq?
We do focus on over 50s however if you are serious enough about making smart financials decisions now, let's have a conversation about what you are looking for. We'd hate to see people get stuck with a non-independent adviser.
Do we both need to attend?
If you are part of a couple, it is important that you both attend meetings. Real financial planning is about helping you both achieve your life goals and objectives, and this is best done together. If meeting in person is difficult, we can easily meet via via video conference (eg Zoom).
My question is not covered here.