How it works:

Everyone’s financial circumstances are different and we will always provide you with an upfront quote of what our advice and implementation will cost before we commence work on your behalf.

To better understand your situation you must first book a consultation. Prior to the consultation we will send you our Financial Services Guide and Fact Find questionnaire- by completing these ahead of our meeting we will be prepared for your questions, ensuring the meeting is good value for money.  Your initial consultation will be focused on goal setting, education, answering your questions and exploring potential strategies. Sometimes a fresh perspective and analysis of your goals is all you need to help you on your way. Alternatively, you may choose to engage our services to produce a comprehensive strategy for you- this is called a Statement of Advice.

Our pricing model is different:

You can engage our services at the initial meeting knowing that there are no cost surprises. On occasions where they may change, or if we need to engage other professionals on your behalf we will let you know in advance. Working with our independent financial advisers ensures the strategy is focused on you and your goals, not selling products.

There is no ongoing commitment, fees, or commissions to use our independent advice services. We have an unrestricted license to advise on all types of financial products, and we can work with your existing retail, industry and government super products and other investments so long as they remain in your best interests.

Why fixed fees?

You will know what the price is, and what you will receive.
The savings on your investment capital in fees and commissions adds up.
You pay only for the services you choose to use.

Liquidity Independent Advisers 2017 fees

Here are some basic examples of our pricing. Importantly- every client situation is unique, and variables such whether you can implement your own strategy or require us to do this for you can allow further savings.

Consultation

$297/Hr, Inc. GST
  • Meet with an adviser and discuss your situation, including:
  • > General information and education
  • > Set your goals
  • > A quote for any work you need
  • > No commitment to proceed

Low Complexity

$3,300Inc. GST
  • One-off­ statements of advice, or reviews of existing holdings, for example:
  • > Reviewing your existing super or investments?
  • > Should you buy an investment property?
  • > Personal insurances
  • > Cash flow strategies

More Complex Tasks

$4,400Inc. GST
  • More complex one off­ tasks and technical work, for example:
  • > Should you start a self-managed super fund?
  • > You want to invest a large sum of money, such as an inheritance or settlement?
  • > You want to retire (Or in a few years), what should you do?

Multiple Tasks

$7,700Inc. GST
  • Multiple tasks incorporated into one large strategy, for example:
  • > A year’s retirement advice start to finish
  • > Establishing an SMSF including all investments
  • > Financial, Centrelink and estate planning for a family member entering care

A year’s independent financial advice:

We also offer a fixed price annual “Money Management” service for those customers who may require more than initial personal advice.

This includes:

  • 6 monthly or annual reviews as agreed with your adviser in advance
  • Rebates of product commission, no entry or exit fees
  • All office visits for advice
  • E-mails, phone calls responded to the same or next business day
  • All written reports (Statement of Advice)
  • Our newsletter service – topical and frequent

For pricing information please refer to our Financial Services Guide (FSG) or meet with an adviser to discuss your individual needs and we will tailor a package to your requirements.

We also work to ensure that all products and services you engage with are excellent value for money given we have no ties to product suppliers. Typically this can be 0.5-1.0% in fee savings each year and up to one quarter of annual personal insurance premiums as we do not take insurance commissions offered to us.

Many customers have enjoyed our money management service for over 5 years.  They find not only fee savings when all is considered but a higher level of ‘peace of mind’ than if they do it all themselves.

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