Congratulations on taking the first step into controlling your financial future.

Our initial meeting is all about getting to know each other. It’s an opportunity for us to find out more about you and your financial goals in order to plan.

You will also get to understand us and the advisory service we provide before you decide if this is the right fit for you. 


To assist you in preparing for your RV visit, a checklist of possible required documents has been prepared. Of course, this list will vary according to your circumstances and the type of advice you need. Having this information readily at hand will save you time during your financial consultation.


  • Most recent superannuation statement(s)
  • Details of income, if still working, a pay slip
  • A list of your assets & liabilities
  • A list of future large expenses



You might have a few questions that you would like to ask the adviser during your first meeting. We have listed a few common questions to get you thinking.

  1. What are your qualifications as a financial adviser?
  2. Do you have experience in working with people with similar needs as me?
  3. What is your experience as a financial adviser?
  4. How can you help me to plan my financial future?
  5. How will we work together moving forward?


Before providing advice, we will agree on the fees and payment options with you. The fee you pay will depend on the complexity of your circumstances and the services you require.

Your options to pay for our services can include fee for service, commission, or a combination of both.

Fee for service
Fee for service is based on the service we provide. This fee can be determined by:

  • An hourly rate
  • A fixed dollar amount
  • A percentage of fund invested (excluding borrowed funds)
  • A combination of these methods.

We can invoice you directly for our fee for service. Alternatively, some products allow an adviser service fee to be deducted from the balance of your investment.



Some product providers pay commissions to our licensee. The amount of commissions received will depend upon the type of product and the amount invested or premium paid.

If we receive commissions as a result of recommending a product to you, we may reduce our fee for service. In the event that we reduce our fee for service in this manner and you decide not to proceed with our recommendations, or if your insurance policies are cancelled within the first 2 years’ of acceptance (in which case the insurer claims back all or some of the commission paid to us), we may invoice you directly for the cost of our service.