Client’s pay us fees for the services that we provide to them.

• Each financial plan provides full details of the costs of recommended services.

• Advisers can offer discounts to clients and may vary the following fees.

• The fees quoted below are current for 2011-12.

Initial Consultations

• Our Advisers usually carry the cost of an initial consultation.   If a financial plan is required, a quotation will be supplied. Straight forward financial plans could cost as little as $462.00, however complex plans will cost $1,870.00 or more, depending on the time required to prepare and present them.

One-off Consultations

• Our standard fee for a one-off consultation to be followed with written advice is $330.00.

Second Opinion Service

• You may have an investment portfolio or self manages super fund that is performing badly and would like a second opinion about your investment strategy, the costs you are incurring and the alternative open to you.
• This is a no obligation service that we provide for a fixed fee to be agreed after our first meeting.

Establishment Fees

• When we buy or sell securities clients pay brokerage for each transaction. Our investment advice and the follow-up paper work is paid for from this brokerage.
• Our standard brokerage rate is $88.00 per transaction with larger transactions costing somewhat more.

Advice only Service

• If you prefer to manage your own invesment portfolios, we can provide an "advice only" service with seheduled reports and reviews and an entitlement to seek one-off advice  from us on a limited basis.  We will quote for this service.

Comprehensive Service

• We charge a monthly fee called a Retainer which pays for our services.
• Based on an agreed strategy, we buy and sell securities, manage the investment portfolio, report on a scheduled basis, review portfolios twice per year and you can ask for additional advice at any time.
• We may have to provide a quote if one-off  advice falls outside of the service agreement that we have with you.
• Our Retainer is fixed, usually for one year. It is paid by a monthly direct debit.
• Our initial retainer is calculated on a sliding scale of fees, starting at 1.32% pa for smaller portfolios, and falls progressively to a minimum 0.33% pa for balances above one million dollars. If you prefer, you can negotiate a base fee plus a performance fee.

Commissions and other Benefits to us

• We do not accept commission that could influence our Advice.
• We are not tied to any financial institution or financial product provider.
• However, we do accept commissions for the administration of cash accounts.
• We attend educational sessions provided by financial institutions where breakfast or lunch is usually provided, gratis.
• We do not accept any other benefits as a result of our recommendations.