FAQ’s
Frequently asked questions
Do I actually need a financial adviser?
It depends on your situation. Many people seek advice when things become more complex—whether that’s approaching retirement, receiving an inheritance, or wanting more structure around their financial position.
Advice isn’t always about making big changes. In many cases, it’s about bringing clarity to your current position and ensuring you’re making informed decisions over time.
What does working with you actually look like?
We typically start with an initial discussion to understand your situation and what you’re looking to achieve. From there, we determine whether advice is appropriate and outline the scope and cost.
If you proceed, we develop a strategy and present our recommendations. For many clients, the relationship continues on an ongoing basis, with regular reviews and support as circumstances change.
How are your fees structured?
Fees depend on the scope and complexity of advice. Initial advice is generally a one-off fee, and where appropriate, ongoing advice is available for clients who require continued support.
All fees are outlined upfront so you understand the cost before proceeding.
Are you aligned to any banks or product providers?
No. We operate under our own AFSL, which allows us to provide advice across a range of strategies and products.
This gives us flexibility in how we structure advice and allows us to work with providers—including industry funds—that clients are often already familiar with.
How do you invest client portfolios?
Investment strategies are based on your individual situation, including your goals, timeframe, and tolerance to risk.
In practice, this typically involves diversifying across different asset classes and ensuring your portfolio is aligned to your broader financial strategy, rather than focusing on any one investment.
Do I need to move everything to work with you?
Not necessarily. In many cases, we work with existing structures such as industry super funds or current investments.
Any changes are based on whether they improve your overall position, rather than changing things for the sake of it.
Do you offer ongoing advice?
Yes, where appropriate. Some clients prefer a one-off strategy, while others benefit from ongoing advice and regular reviews.
Ongoing advice typically involves monitoring your position, reviewing your strategy, and providing guidance as your circumstances change over time.
Can you work with me if I’m not based in Bendigo?
Yes. While we’re based in Bendigo, we work with clients across regional Victoria, Melbourne, and interstate.
Meetings can be held in person, over the phone, or via video, depending on what suits you
Still have further questions you’d like answered? Please contact us here and we’ll get back to you as soon as we can.