Financial clarity with strategic and tax-smart investment solutions

I created Assurance Vic having worked in financial planning within the industry super fund sector and seeing it become more fee focussed and operating more like the much maligned retail sector banks. This didn’t sit well with me and the change of terminology from not for profit to profit for member probably tells a story?

Looking at the private sector, it still seems many are largely operating on commissions or as they often now call fee for service, however the fee is still based as a percentage of the balance. (Sounds like a commission to me).

I decided the only way to work for a practice that I felt truly reflected my own personal morals and ethics of a true fee for service organisation was to start my own.

Operating on a pure fee for service, we bill at an hourly rate and quote you the fee or a fee range up front, after the initial no obligation first meeting. We pride ourselves on only recommending a financial plan be written where we believe we can provide a geniuine financial benefit to you, using clear and concise recommendations that outline what the benefit is and why it is applicable to you.

Unfortunately in my experience I see many advisors that charge for pure template information that doesn’t outline the rationale of a recommendation or the potential risks involved, making it hard for a client to determine if it is truly a good or bad recommendation. Additional information or plans with no advice, but generic slabs of templated information are often pedalled out when there is little substance to how it benefits you.

My licence allows me to recommend all highly rated super funds, so whether you wish to stay in a Government fund, look at other low cost high performing industry funds or even if you decide to set up a Self-Managed Super Fund, I am able to assist and provide advice on any of these aspects. I am not aligned to any product provider, and the conflicts of interest that were so prevalent in the Royal Commission and are the risk of product providing financial planners do not apply to me. If you have a preferred fund, I will work with you using that fund, or if you wish to look at other options, I will go through a full suite of both industry and retail funds to come up with the best solution for you.