Contact us now on 1300 664 118  |  ABN: 82 084 204 035  |  AFSL: 292925 

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What is Best Interest Advice

A key objective of the Government’s Future of Financial Advice (FOFA) reforms is to facilitate access for retail clients to financial product advice, including ‘scaled’ advice.

When providing personal advice to our clients, we always:

  • act in the best interests of our clients
  • always provide appropriate advice
  • warn the client if advice is based on incomplete or inaccurate information, and
  • prioritise the client’s interests.
  • If you choose to receive a general advice report it will be without taking into account your objectives, financial situation or needs (s949A(2)(a) of the Corporations Act. You should consider whether this advice is appropriate to your needs.
  • We always suggest that you get personal advice and have a personal financial plan prepared and pay the hourly fee for that advice.
  • Research shows that Australians who receive financial advice will be over $90,000 better off in retirement.1 But the benefits are more than just financial. Advice can help you achieve the peace of mind that you are making the best decisions to help secure your future.

What is the difference between getting general advice and personal advice?

 

General advice is given only if your adviser clarifies with you (the client) when they give the advice that they are not giving personal advice, because they do not in fact consider the relevant circumstances (i.e. your objectives, financial situation or needs).

The advice we give you will be considered personal advice because we are collecting all relevant information from you using the Online Fact Find.

That information is fed into the Statement of Advice document that will address all issues that have been raised by you. Alternatively, you may only want to get advice on a few issues. The choice is yours on the level of advice that you are after and what you pay for that advice.

The delivery of advice is also neutral when it comes to technology. This means that you can receive factual information and advice by telephone, email, internet, video conferencing, or face-to-face, or in any combination of these. 

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Summary of the advice you will receive from us

  1. Superannuation Advice
  2. InsuranceAdvice
  3. Retirement Advice
  4. Estate PlanningAdvice
  5. Investment Advice
  6. Cash Flow Advice
  7. School Fees Funding

What will this advice cost?

We charge for our advice based on the time it takes to collect the data, consider the
scope of the advice, consult experts and stress test strategies to make sure that they
are appropriate and in your best interests.

Our fees are based on the following rates:

Senior Financial Planner $450.00 per hour
Certified Financial Adviser $350.00 per hour
Financial Adviser $250.00 per hour
Para Planner $150.00 per hour

 Our investment Management fees are:

Client directed portfolio 0.30% of assets under management (robo advice)
Tailored Investment portfolios 0.95% of assets under management.

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