How are your fees structured?

We're transparent about every fee and commission we receive. For investment advice, we are fee-based, we do not receive commissions on investment products. For personal insurance, we may receive a commission from the insurer; if we do, it's standard practice in Australia and we disclose the amount in writing before you accept any policy. Full fee and commission disclosure is in our Financial Services Guide (FSG) and Statement of Advice. No surprises.

Are you tied to a bank or fund manager?

No. We are not bank-owned and we are not restricted to a single fund manager or product set. As an Authorised Representative of Provident Advisory, we have access to a broad range of investment platforms and products. Every recommendation is based on what's right for your situation.