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Financial Planning Fees

We have established ourselves as one of the best and trusted Financial Planners since 1989, providing only quality advice and service. Our clients can expect the same valuable advice whatever the incentive a particular product or service may present.

All investment commission that we receive will be refunded in full for our ongoing service clients.

As an expert financial adviser having been certified since 1997, we give advice on cash investments, term deposit investments, residential and/or listed property investments and managed funds.

First meeting is free!

Our first meeting is 100% obligation free. As a general rule its an opportunity to “meet and greet” so you can ascertain if we are the right advisor for you. You should leave the meeting with an understanding on the following:

  •  Financial planning and the role of  a financial advisor
  •  The benefits and value of having a financial plan
  •  Assessment of your financial situation
  •  The course of action applicable

We will highlight an indication of fees (a range)  for us to provide written advice and the cost to implement now and ongoing advice.

Ongoing Advice Fees

We provide a comprehensive ongoing service to ensure you take the necessary steps towards achieving your goals. This will be complicated by constant change as dictated by markets and economies. The need for continued advice is life long.

Reasons why you might need continued advice:

• Change in your circumstances

Your financial plan and the steps by which you work towards achieving success may need to be adjusted when you switch careers or when a new baby arrives in the family.

• Changes in economic and market environment

It is important that proper advice is given when there are economic and market environment changes that may affect your investment. Strategic portfolio positioning during such times is essential!

• Changes in legislation and taxation

• Monitoring of cash flows

• Investment changes

Fee Options:

Fees of financial advisors vary and they are assessed based on the following:

Commission Base

The commission earned by an advisor may come from a mutual fund or from an annuity. The advisor may receive the incentive directly from the client or from the company from where an investment is made or an insurance product is purchased.

Account Value Percentage

The fee charged is based on the percentage of a client’s account value. It may increase as the account value grows or dip if the account value goes down.

Typically, the yearly fee can be from 2% during peaks or as low as .50% when experiencing a dip. The fee goes generally lower when there are more assets owned.

Combined Fees and Commissions

Commonly termed as “fee-based” where the adviser earning a commission on product sales may also earn extra by charging fees for management. Some advisors do a so-called fee-offset, charging a client either a commission only or a fee only.

Hourly Rate (Financial Advice)

Client will only pay for the hours the advisor devices a plan or any appropriate changes.

Project Basis Flat Rate

 This is an immediate-quoted fee that shows the details how the fee was assessed and may or may not include fees for follow up meetings.

Retainer Fee for Ongoing Advice

This fee may be charged on a quarterly or annual basis to cover ongoing financial advice.