Answers to common questions.

Yes. Your first meeting is complimentary. It is a chance to discuss your goals, ask questions and understand how we work, with no cost and no obligation to proceed.

No. The initial conversation is simply an opportunity to see whether we are the right fit. You decide if and when you would like to proceed.

A financial planner helps you understand your complete financial picture, identify your goals and create a personalised strategy across superannuation, investments, insurance, tax and retirement. We coordinate the details so you can make informed decisions with confidence.

Your complimentary initial meeting is a relaxed conversation about your goals, circumstances and questions. There is no obligation, it is an opportunity to see whether we are the right fit for you.

Meetings can be held in person at our Toowong office, via video conference or by phone. Meetings are by appointment.

Yes. We are happy to meet via video call if that is more convenient for you.

Yes. Pre-retirees are an important part of who we help. We support clients in the years before retirement with planning around superannuation, income and transition strategies.

Yes. Many clients work with us on an ongoing basis. We review your strategy as your circumstances change and provide guidance when you need it.

This depends on your needs and preferences. Many clients meet annually for a full review, with additional contact whenever something significant changes in their life or finances.

We charge fees for advice, typically an initial planning fee and, where you choose ongoing advice, an ongoing service fee. We explain our fees clearly before you commit to anything. Full details are in our Financial Services Guide, which we walk through at your first meeting.

There is no set minimum. What matters most is whether personalised advice would genuinely help your situation. We will discuss this openly at your first meeting.

We charge fees for advice, typically an initial planning fee and ongoing advice fees where applicable. Full details are in our Financial Services Guide, which we explain clearly at your first meeting.

Yes. We regularly collaborate with accountants, solicitors and other professionals to ensure your financial, tax and estate planning strategies work together effectively.

We work with professionals, families, pre-retirees and retirees at various stages. What matters most is a genuine desire to build long-term financial security and a willingness to engage in the planning process.

We provide financial planning alongside specialist advice in retirement planning, investment advice, superannuation, personal insurance and estate planning, shaped around your circumstances.

Ideally five to ten years before your intended retirement date, though it is never too late to seek clarity. Even if retirement is closer than you expected, structured advice can still make a meaningful difference.

Yes. Transition-to-retirement arrangements can be a valuable part of pre-retirement planning. We assess whether they are appropriate for your circumstances and explain the implications clearly.

Age Pension eligibility depends on your assets, income and relationship status. We incorporate Age Pension considerations into your broader retirement income strategy where relevant.

Absolutely. Many retirees engage an adviser for the first time after stopping work. Ongoing advice can help you manage income, adjust your portfolio and plan your estate with greater confidence.

We focus on disciplined, evidence-based investment strategies designed to build long-term wealth, not chase short-term market performance. Your portfolio is structured around your goals, time horizon and tolerance for risk.

Yes. We review insurance held through superannuation and personally owned policies to ensure your cover is appropriate, cost-effective and structured correctly.

Markets move constantly. Our role is to help you stay focused on your long-term strategy, review your portfolio when needed and avoid reactive decisions driven by short-term noise.

Insurance needs often change as you approach and enter retirement. We review your existing cover and recommend adjustments so you are protected without paying for unnecessary policies.