How we work
Considered, written down, kept current.
Good advice is a process, not a meeting. Here is ours, from first conversation to the yearly review, so you know exactly what working with us looks like.
A conversation
You talk, Jack listens. Where you are, what's changed, what you want to work out. Bring rough numbers if you have them; don't tidy anything up. By the end you'll have an honest read on your position and whether advice would genuinely help.
The groundwork
With your go-ahead, we gather the full picture: super, investments, insurance, debts, entitlements. The team verifies everything at the source, because advice built on guesses isn't advice.
The advice
A written plan prepared for your situation: where you stand, what we recommend, why, and what we compared it against. It's set out in plain terms, and if any part of it isn't clear, we rewrite it until it is. You take the time you need before deciding anything.
Putting it to work
We handle the implementation: the paperwork, the rollovers, the applications, the follow-ups. Each step is confirmed to you as it's done.
The yearly review
Markets move, rules change, life happens. Ongoing clients get a proper annual review: what changed, what it means, what we're adjusting and why. You'll never have to chase us for it.
What it costs
Fees, stated plainly.
Different work suits different arrangements, and whichever applies to you, the exact fee is confirmed in writing before any work begins. The formal version of everything below is in our Financial Services Guide.
Try it
See the annual fee, in dollars, for a portfolio like yours.
an effective 0.45% of the portfolio, calculated on the tiered schedule below and agreed in writing before anything begins.
An illustration using the published schedules below, not a quote and not personal advice. The exact fee for your situation is confirmed in writing in your Statement of Advice or engagement letter. See the Disclaimer.
Our investment menu
For investments made through the firm's researched menu, the fee is a flat percentage of each transaction, and it is the entire fee the firm receives. There is no separate advice fee, no ongoing service fee, and no asset-based retainer.
| Fee | Applies to |
|---|---|
| 0.15% | The value of each purchase made on your behalf, at the time of execution |
| 0.15% | The value of each disposal made on your behalf, at the time of sale |
Wealth management
Where we provide personal advice and ongoing portfolio management, the annual fee is a percentage of the total portfolio value, tiered so the rate steps down as the portfolio grows.
| Rate | Portfolio value |
|---|---|
| 0.50% p.a. | Up to $250,000 |
| 0.40% p.a. | $250,000 to $1,000,000 |
| 0.30% p.a. | $1,000,000 to $3,000,000 |
| 0.25% p.a. | Above $3,000,000 |
Retirement and SMSF advice
Where the engagement is retirement strategy or self-managed superannuation fund advice, the annual fee is similarly tiered.
| Rate | Portfolio value |
|---|---|
| 0.60% p.a. | Up to $250,000 |
| 0.40% p.a. | $250,000 to $3,000,000 |
| 0.30% p.a. | Above $3,000,000 |
Personal insurance advice
Insurance advice is charged as a flat client-paid fee, agreed before the work begins. The fee is not calculated from the sum insured or the premium, and it is not paid by the insurer. We do not accept commissions from life insurers; where a commission would otherwise be payable, it is rebated in full or used to reduce your premium.
Product-level fees, such as platform administration or fund management costs, are paid to the relevant provider and itemised in your Statement of Advice. What you pay us is the only money the firm receives in connection with your account.
Fair questions
Asked before engaging us.
What does it cost to work with you?
It depends on the work, and you will always see the figure in writing before anything starts. Investments through our researched menu carry a 0.15% execution fee per transaction and nothing else. Advice and ongoing management are charged as a tiered annual percentage of the portfolio, set out above.
I've never had financial advice. What's the first meeting like?
An hour of conversation, mostly you talking. Bring rough numbers if you have them; don't tidy anything up. You'll leave with an honest read on where you stand, and there's no obligation to take it further.
How often will I hear from you?
Ongoing clients get a formal review every year and updates whenever something needs your attention or approval. Between those, the team is a phone call away. What you won't get is marketing.
Do you handle SMSFs?
Yes. We advise on superannuation broadly, including whether a self-managed fund makes sense for you, and sometimes the honest answer is that it doesn't. If you already run one, we can advise on its investments and strategy.
What can't you help with?
Derivatives, foreign exchange and margin lending sit outside our authorisations, deliberately. And when your situation needs a different specialist, an accountant, an estate lawyer, a mortgage broker, we'll say so. Good advice includes knowing whose job it isn't.
When you get in touch
A person replies. Quickly.
You'll hear back from a person, usually the same business day and always within one working day. If the timing isn't right for you, tell us, and we'll leave you alone until you say otherwise.