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 2009-10.

Initial Consultations

• Our Advisers will often 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 $440.00, however complex plans will cost $1,650.00 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

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.

On-Going Advice – our Retainer

• We charge a monthly fee called a Retainer which pays for our regular services, and which entitles client’s to ask for additional advice at any time. We may have to provide a quote if the request of 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 retainer is calculated on a sliding scale of fees, starting at 1.32% pa for smaller portfolios, and falls progressively to a minimum rate of 0.79% pa for portfolios above one million dollars.

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.