Review your current position
Every plan we write starts the same way: with an honest look at where you actually stand. Not a projection, not a product, but a complete picture of your income, super, debt, cover and cashflow in one place, so every decision after it rests on facts.
Is this you?
If more than one of these lands, it is worth a conversation. None of them are unusual, and all of them are fixable.
Most people have a super fund, some insurance, a mortgage and a savings account, all arranged at different times for different reasons and never once reviewed as a single system.
That instinct is usually correct and usually specific: duplicate fees, cover that no longer matches your obligations, or a loan structure quietly costing you. It just needs finding.
A review does not commit you to changing anything or anyone. Sometimes the most useful outcome we deliver is telling someone their current arrangements are sound.
A new job, a baby, a separation, an inheritance, a business. Arrangements built for your old circumstances rarely fit the new ones, and the gap tends to go unnoticed for years.
What we actually do
No open-ended retainer and no vague scope. You know what you are getting and what it costs before we begin.
Income, expenses, assets, debts, superannuation, insurance and ownership structures gathered and set out together, usually the first time our clients have seen it on a single page.
The total of fees, premiums and interest you are currently paying each year. This is the number that most often prompts action, and almost nobody knows it in advance.
Where you are exposed, where you are paying twice for the same thing, and where a structure is working against you rather than for you.
In order, with the reasoning attached, including anything you can act on yourself without engaging us further.
Worth understanding
Not a sales pitch: the handful of things that genuinely change the outcome, including the ones that are expensive to discover late.
The point of this stage is to find out what is true before anyone recommends anything. Advice given before the position is understood is guesswork wearing a suit, and it is how people end up with products that solve a problem they never had.
Annual spending, total fees, actual interest paid. People consistently estimate these low, and the gap between the estimate and the reality is normally where the opportunity sits. Nobody is going to be judged for it; we have seen every version of this.
Super statements, insurance schedules, loan statements. You do not need to have them organised, and if you cannot find something we can usually track it down. Reviewing what you think you have rather than what you actually have is the main way things get missed.
If the review shows your arrangements are already appropriate, that is what we will tell you, and you will have a written picture of your position for the trouble. An adviser who never concludes "leave it alone" is not reviewing anything.
Common questions
General information only, and not personal advice. What applies to you depends on your circumstances.
We talk about what you want and what you are worried about, then work through your actual position: income, spending, super, debt, insurance and any investments. You leave with a clear picture of where you stand and an idea of what could be improved. There is no obligation to proceed, and no cost for that first conversation.
Get started
Tell us where you are with your current position and what you would like to sort out. If we can help, we will explain exactly how and what it costs.
