Are you a member of the FPA?

Yes, all of our financial planners are members of the FPA (Financial Planning Association of Australia). The Financial Planning Association (FPA) is the professional body for financial planning in Australia, representing 14,000 members and more than 8,500 are practicing financial planners – accomplished professionals who sign up to high standards and put your interests first.

The FPA is your trust mark when seeking a financial planner. To be a member of the FPA, financial planners must have more experience, commit to ongoing education, as well as high professional and ethical obligations.


Do you need financial advice?

If you could achieve your financial goals by simply putting money away in the bank, you wouldn’t need a financial plan. Unfortunately, life is a little more complex – it’s hard to understand the intricacies of investment, taxation and ever-changing regulations, so you need professional help.
Yet many of us resist seeking advice, as if our financial future weren’t just as important as our health or our children’s education. We often decide to manage our financial affairs ourselves, or leave it to someone we know, perhaps an accountant or a solicitor, which is a bit like buying vegetables at the butchers. Financial planning is a specialist profession and you should make sure that you’re getting advice from a properly qualified person.

A financial planner will help you reach your goals; even if retirement may seem a lifetime away, the sooner you start planning the more likelihood you’ll have to achieve financial independence and peace of mind.


What sort of advice do you need?

The advice you seek can be holistic (which takes into account your full financial situation, needs and goals) or scaled (where you only seek advice for particular purposes).

Scaled advice is means that you could see a financial planner for a particular purpose that is most relevant to you at any point in time – without the need to go through a holistic process that takes your full financial situation into account.

While scaled advice can make financial planning more affordable, it’s important to not lose sight of the bigger picture. This is where a professional financial planner can help you to take a step back and review your total financial situation.


What do you need to ask at an initial meeting?

Many financial planners offer a complimentary introductory meeting. The introductory meeting is your opportunity to make sure that you feel comfortable with the financial planner’s professional credentials, and that you get on well. Financial planning is a relationship business and not just a one-off meeting. Ask plenty of questions!

What experience do they have?
Is the Financial Planner licensed?
What do they specialise in?


How do we charge for our services?

By law all financial planners must disclose all forms of payment and fees. The cost to you will depend on the complexity of your financial situation and plan, as well as the fee method we use.

There are various ways to structure fees, and it typically starts with an initial fee to identify your needs, develop a strategy and implement their recommendations. There could also be administration and ongoing service fees for regular reviews of your plan.

Unlike other financial planners, FPA members abide by a remuneration policy that ensures any fees you pay are clear and transparent. An FPA member is required to make sure you understand and approve the fees before they are incurred.

By law all financial planners must disclose all forms of payment and fees. The cost to you will depend on the complexity of your financial situation and plan, as well as the fee method the planner uses.

There are various ways to structure fees, and it typically starts with an initial fee to identify your needs, develop a strategy and implement their recommendations. There could also be administration and ongoing service fees for regular reviews of your plan.

Unlike other financial planners, FPA members abide by a remuneration policy that ensures any fees you pay are clear and transparent.

You can view our Financial Services Guide for more information