An introductory phone call — at no cost with no obligation

Every good plan starts with a conversation. This short call helps us understand:

• What prompted you to seek advice

• What you’re hoping to achieve or improve

• Whether we’re the right fit for your needs

What clients often feel: Relieved - it’s a pressure-free chance to talk openly about money, many for the first time.

What’s next:
✔ Following our initial conversation, if we both feel there’s a good fit and choose to move forward to an Initial Meeting, we’ll request some supporting information about your income, expenses, assets and liabilities. This allows us to prepare thoroughly so your first meeting delivers real value.

Initial meeting (up to 2 hours) — Starting at $550 including GST

This meeting is about building a deep understanding of your life, values, and priorities — not just collecting data.

This is where we get to know you so we can start developing a plan that fits you. We might explore:

• What an ideal life looks like for you and your loved ones

• Your values, priorities, and concerns

• Your current financial position

• Superannuation, investments, insurance, income and expenses

• What’s important to you now — and what’s coming next

What clients often feel: Heard and understood - our priority isn’t selling products; it’s designing a plan that fits your life and goals.

What’s next:
✔ We may need further supporting information, such as authorities to speak to your accountant (if relevant), existing superannuation or insurance providers.

Research & strategy development (approx. 2–3 weeks) — Starting from $770 inc. GST

Behind the scenes, our team analyses your situation to discover opportunities to add value to your life, and model strategies designed to move you toward your goals. This may include:

• Wealth creation and investment strategies

• Superannuation and retirement planning

• Tax‑structuring opportunities

• Personal insurance and financial risk management

• Social security and estate planning considerations

What clients often feel: Confident that everything has been considered thoroughly, with no loose ends.

What’s next:

✔ We may catch up again to walk you through our thinking, explore different scenarios, and make sure you feel informed and confident before we begin drafting your plan.

Statement of Advice prepared (approx. 3–4 weeks)

Your financial plan isn’t just a document; it’s a roadmap to your financial future.

Your SOA outlines:

• Your goals and priorities

• Recommended strategies and why they matter

• Risks, benefits and trade-offs

• Clear, transparent advice and product costs

What clients often feel: Clear and reassured, complex decisions begin to make sense.

What’s next:

We’ll give you a fixed price upfront for preparing your advice and implementing it on your behalf. Starting from $4,400 (based on complexity)

Nothing is required from you, we’ll notify you as soon as your plan is ready.

Plan presentation & implementation — presentation at no cost, implementation fee agreed in advance

We meet to walk through your plan together, at your pace.

In this meeting:

• We explain our recommendations in plain language

• You ask questions and explore alternatives

• Nothing proceeds unless you’re comfortable and fully informed

If you choose to go ahead, we:

• Handle implementation and paperwork

• Keep the process as simple and stress-free as possible

What clients often feel Reassured. There’s a clear way forward, and they’re not doing it alone.

Life doesn’t stand still and neither should your advice.

Our ongoing service includes:

• Regular reviews to keep your plan aligned with your life

• Adjustments as your goals or circumstances evolve

• Proactive guidance through key life events

• A long‑term partnership with an adviser who understands your story

You’ll receive an Annual Advice Service Agreement outlining the specific support you’ll receive each year.

Annual review service — from $3,800 (inc. GST) per year, depending on complexity

What clients often feel: Peace of mind knowing someone is actively watching over the big picture.

What’s next:
Meet with us at least once each year and keep us updated as your circumstances change.