What is our fee structure?

We offer fee-for-service advice, so you will know up-front the total dollar cost of the advice before you decide to proceed.  If you wish, we can recommend specific products that meet your selection criteria as well as our own.  We are happy to provide advice on your strategy only, leaving you to implement your plan.  We don’t accept from product suppliers any payments, including up-front or trailing commissions or bonuses.  We don’t charge you based on a percentage of your financial assets.  Our charging is based solely on the amount of work required to provide the advice and any implementation that you need.

What does this mean for you?  It means that you know the exact cost of your advice and don’t have to worry about hidden costs, fees or charges.  Where you ask us to recommend products, you can also be confident that we’re recommending products on their merits, not on the commissions they pay us.  All up, it means that you’ll get superior, tailored advice with no hidden costs.

• For more information, go to Financial Planning process page;

• To see a sample Statement of Advice (SoA), see the Documents page.

Our Services

Our Initial Service consists of:

• A meeting with you to discuss your financial needs and goals;

• Gathering information from you;

• Working up an optimised strategy to meet your financial goals and preparing a Statement of Advice (SOA); and

• A follow up meeting to explain the SoA to you. The Statement of Advice will include our recommendations for your financial strategy and information to support the recommendations.  We prepare your SOA in plain English and make sure that you understand its contents.

We would seek at least two face-to-face meetings with you; the rest of the time we would liaise with you by phone, email or through a system such as Skype.

The cost of an initial service depends on the complexity of your financial situation.  In your first complimentary meeting, we will gain a better understanding of your financial needs and tell you which category you belong to.

After the initial service, we offer an on-going service, where we review your portfolio and investment strategy.  It is recommended that you do this at least once a year. The service includes:

• An annual seminar;

• A quarterly newsletter;

• An annual review of your strategy and investments. 

Download our price list for an indication of charges for a complete strategy and, optionally, implementation.
Optimo Financial Price List