Initial Conversation

Every new client engagement starts with a 30-minute paid initial conversation. A consultation fee may be applicable. This fee is fully credited against your advice fee if you proceed.

This is a chance for you to tell us where you are, what you’re trying to achieve, and what’s keeping you up at night financially. It’s also a chance for both of us to work out whether we’re a good fit. We’re selective about who we work with — not because we’re exclusive, but because we want to make sure we can genuinely help you.

Discovery and Analysis

If we agree to proceed, we gather your full financial picture. This includes your income, assets, debts, superannuation, insurance, estate planning documents and tax position.

We analyse your situation against your goals and identify the key issues and opportunities.

• Income and asset assessment
• Superannuation review
• Insurance coverage analysis
• Tax position evaluation
• Estate planning documents review

Statement of Advice

We prepare a formal written Statement of Advice (SOA) that sets out our recommendations in plain language — what we're suggesting, why we're suggesting it, what it will cost, and what the alternatives are.

You receive this document before we implement anything. We take you through it in detail and answer every question before you decide whether to proceed.

Implementation

Once you're happy with the recommendations, we manage the implementation — liaising with platforms, funds, insurers and other parties on your behalf. You don't have to manage the paperwork.

Ongoing Advice and Reviews

For ongoing clients, we conduct regular portfolio reviews and provide continuous access to advice as your circumstances change. Life doesn’t stand still — your financial plan shouldn’t
either.

• Annual portfolio reviews
• Direct access to Dean for questions and decisions
• Portfolio reporting through HUB24 or IconiQ platforms
• Ongoing advice as circumstances change