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Services

Advice that covers your whole financial picture.

We don’t advise on one thing in isolation. Everything connects — and that’s how we work.

Financial advice works best when it’s coordinated. A decision about super affects your tax. A change to your mortgage affects your cashflow. An insurance gap affects your family. We look at all of it together, so nothing falls through the cracks and every recommendation fits the bigger picture.

What we advise on

Holistic advice across every area that matters.

Cashflow & budgeting
Understanding where your money goes and making sure it’s working in the right order.
Superannuation & SMSF
Contribution strategy, investment structure, pension planning and SMSF management where relevant.
Retirement planning
Modelling the years ahead so you can make deliberate decisions about work, income and lifestyle.
Investments
Portfolio construction, gearing strategy and investment structure across super and non-super assets.
Insurance & protection
The right cover for your life, income, business and family — structured to fit your plan.
Estate planning
Coordinating wills, beneficiary nominations, powers of attorney and intergenerational wealth transfer.
Tax strategies
Working alongside your accountant to structure income, contributions and investments tax-effectively.
Business succession
Planning for ownership transitions, exit strategies and business continuity alongside your other advisers.
How we work together

A service level that fits where you are.

We offer four service packages, each designed around a stage of life and the financial complexity that comes with it. Your adviser will recommend the right level after understanding your situation — fees are discussed and agreed before any work begins, and disclosed in full in your Financial Services Guide.

0118–30s
Getting
started
  • Saving habits
  • Super foundations
  • Protection basics
0230–45
Building
  • Debt management
  • Family protection
  • Super & investing
  • Estate planning
0345–60
Growing
  • Clearing debt
  • Retirement modelling
  • Tax strategies
  • Investment structure
0460+
Retirement
& beyond
  • SMSF & pensions
  • Wealth longevity
  • Entity structures
  • Legacy planning

Every path is unique. Your adviser will recommend the right level after understanding your situation.

18–30s

Getting started

You’re earning, saving and starting to build. The priority is getting the foundations right — understanding your super, building savings habits and making sure you’re protected if something goes wrong.

Covers
Cashflow & budgeting, superannuation, insurance
30–45

Building

The busiest stage. Family, mortgage, career — all competing for the same dollar at once. Built for the complexity of that period: managing debt, protecting the family, building super and making sure estate planning isn’t an afterthought.

Covers
Everything in Getting Started, plus debt management, family protection, estate planning
45–60

Growing

Debt is clearing or under control. The focus shifts to building the retirement pool, structuring investments properly and starting to model what retirement actually looks like. This is where the value of coordinated advice is most visible.

Covers
Everything in Building, plus investments, gearing, tax planning, Centrelink, retirement modelling
60+

Retirement & beyond

Retirement is close or arrived. Or complexity has grown — an SMSF, business interests, multiple entities, or advice that needs to coordinate across a broader structure. This level handles the full picture at depth.

Covers
Everything in Growing, plus SMSF with LRBAs, entity structuring, business insurance, legacy and intergenerational planning

Need lending sorted too?

If borrowing is part of your plan — whether it’s a home loan, investment loan or refinancing — we’ll connect you with trusted finance specialists and stay across how it fits your broader picture. We coordinate the referral; the lending is provided by our finance partners.

Not sure which level fits you?

We work that out together in the discovery call — before any commitment is made.

Book a discovery call