Our philosophy regarding fees

Our fee structure meets the highest standards required by law for a financial planning practice. As such, we are certified that our advice that is independent, unbiased and impartial. We charge a straightforward flat fee and DO NOT charge percentage fees based on funds under management that can bias the advice. We also choose to reconfirm our fees annually in advance to ensure you are happy to continue working with us.

Importantly, we DO NOT receive a single cent of commission from any investment or insurance providers. We are also not linked to any product or superannuation provider.


Initial Advice Fees

Depending on the complexity of the initial advice required, we will let you know the cost at the end of the discovery meeting.

We only agree to provide advice if we know we can improve your financial life and put you in a better position.

Annual Fees (for ongoing advice and future planning)

These are flat fees, charged monthly, based on a number of factors, including complexity of likely ongoing advice and frequency of progress meetings.

The fees are paid directly or via your investment or superannuation service. We reconfirm this annually in advance to ensure you are happy to continue working with us.


Advice on insurance is a separate flat fee.  Insurance means Life insurance, Total and Permanent Disability, Income Protection and Trauma cover. We will guide on how much cover you need, how to structure it tax effectively and help you with the process of applying for it.

Why paying for advice on insurance is much better than advice from financial planners that don't charge a fee and collect commissions instead.

Unfortunately many financial planners collect a commission for advice on insurance. The more insurance they 'recommend', the more they get paid. This is naturally a conflict of interest and therefore you may not get advice that is in your best interest. While getting paid a commission on selling insurance is legal, many people argue that it goes against the financial planner's Code of Ethics.


The other benefit of paying for advice is that the regular insurance premiums can be significantly cheaper as the insurer doesn't need to factor in paying the commission.


This means that you can save money in the long run by getting cheaper premiums and only getting the cover you really need. To us, that sounds like insurance advice that is in your best interest.