As a professional firm we operate on a fee only basis, that is ... 

• We are paid only by clients and not by commissions or "rebates"
• Our remuneration does not vary with the specific product recommended (nor is product selection influenced by institutional ownership) 
• Fees are agreed in advance and are transparent
• We won't undertake work unless we believe we can create value for you and make you an advocate of ours 

Fees for typical services

• There is no charge for an initial meeting to explore how we might assist
• We charge an agreed flat fee to provide initial advice; this is often between $3,000 and $10,000 and may be less for a limited scope of work such as an Investment Review 
• Our retainer for ongoing support which includes money management services is a reducing % of assets advised, subject to a minimum annual charge. For large investments our fees can be a fixed $ amount.  
• We work hard to find you savings. Our professional fee is often subsidised by reduced investment and administration costs. 
• We do not charge by the hour as we don't want our clients to be afraid of contacting us   
• We charge a flat fee to arrange insurance. Where a commission is paid, we rebate or absorb the difference.  
• Where we arrange finance, for instance for a geared savings plan, we rebate any finance commission which lowers clients interest rate
• We do not charge nor recommend products which incur entry or exit fees 
• Our fees can be reduced through tax deduction, in some cases by 46.5%     – see your accountant or discuss further with us 

If our services are not a good fit for you, we are happy to introduce you to others