Financial Planning Canberra
Financial planning built around your goals
Creating a financial plan is about designing a roadmap to get you from where you are now to where you want to be. We're independent, which means no commissions, no kickbacks, and no bank or product manufacturer behind us. Just clear advice that considers your whole situation.
1%
Only around 1% of financial planners in Australia are independent. We are one of them.
Independent means no commissions, no kickbacks, and no ownership or ties to a product provider like a bank or super fund.
Why a financial plan matters
Often, people come to us with a similar concern: "I think we're doing okay, but we don't really a plan."
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This can then result in everything becoming a bit disorganised. You might have super, investments, insurance you set up years ago, a mortgage, and a vague sense that it should all be working harder or fitting together better. But no one has looked at the whole thing at once. Your accountant does your tax. Your super fund looks after your super. Nobody sits across the table and optimises comprehensively.​
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This leaves to you make big decisions in pieces, and hope they add up.
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Should you salary sacrifice, invest or pay down the mortgage?
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Are you paying too much in fees?
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Are you on track to meet your goals and what happens if your income changes?
Each question on its own is manageable. However, without someone looking at the whole picture, they can lead to missed opportunities.
And almost everywhere you turn for help, the person offering it has conflicts of interest. That is the part we do differently.
What independent financial planning looks like
We are independent in the way the word is supposed to mean. We take no commissions, we charge no asset-based fees, and we are not owned by a bank, an insurer or a product manufacturer. Only around 1% of financial planners in Australia can genuinely say that. It matters because it changes what we are able to recommend: with nothing to sell you, the plan we build is based on what suits you.
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A financial plan with us is comprehensive by design. We look at your whole situation, not one slice of it, and we build the strategy in plain English so you can actually follow it.
"When we first presented to Andrew, we were in a financial mess. Decades of budgeting neglect and poor money management had taken its toll. But Andrew was able to patiently and methodically work through our difficulties and place us on a positive trajectory with his outstanding planning and clear strategy implementation. We now look forward to our regular reviews with Andrew's calm, reassuring and pleasant manner. Andrew and his team epitomise true professionalism."
- Robert, Google review
A comprehensive financial plan with us typically covers
A goals and "are we on track" review
Where you want to be, and an honest read on whether your current path gets you there.
Superannuation & contributions strategy
Whether your super is set up well and what contribution approach fits your stage and your caps.
A tax-aware plan
Structuring your affairs sensibly, coordinated with your accountant, so the plan works efficiently from a tax perspective.
Cashflow and wealth structuring
How your income, spending, debt and savings are arranged, and how to make that structure work harder without you earning a cent more.
An investment strategy
Whether your investments suit your goals, timeframe and comfort with risk, built with no in-house product to push.
Personal insurance review
Whether your cover matches your real risks and is held in the right place.
In a military or public sector super scheme?
If your super is a defence or public-sector scheme such as PSS, CSS, MSBS, DFRDB, ADF Super or PSSap, we know those schemes well, which is not something every planner can say.
How we build your financial plan
1
Complimentary introductory call
We talk through your situation and what you want your money to do. No cost, no obligation, and a chance to see whether we are the right fit.
2
Discovery and fact-find
If you decide to go ahead, we gather the detail across your whole financial position. We tell you the fixed fee up front before any work begins.
3
Strategy and modelling
We build your plan, test it against your goals, and work out the specific recommendations.
4
Your written plan
We present it plainly, walk you through it, and answer every question until it makes sense.
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Putting it in place and reviewing it
We help implement the plan and review it as your life, the markets and the rules change.
Trusted to deliver with your best interests first
"Andrew provided me with excellent advice on a range of personal financial issues. Andrew is very warm and friendly, and took great care in explaining concepts and set out his advice logically and clearly. Thank you Andrew. I would highly recommend Andrew to anyone in need of clear and considered financial advice."
- Soraya, Adviser Ratings
"Andrew is a friendly and intelligent adviser who assists me with both preparing for my eventual retirement and building my wealth outside of super in the meantime."
- Alex, Adviser Ratings