Questions About Financial Security?

We've spent years helping Australians understand their financial options. Here are the questions people actually ask us—and the honest answers we give them.

Getting Started

New to financial planning? Start here. We cover the basics without the jargon that makes your eyes glaze over.

Investment Basics

Real talk about investment approaches that work for everyday Australians—not just the wealthy few.

Property & Assets

Property questions come up constantly. We address the ones that matter for your specific situation.

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Protection Plans

Insurance and protection can be confusing. Here's what you need to know in plain language.

Common Questions

Most financial advisors suggest three to six months of living expenses in an emergency fund first. But that's a guideline, not a rule carved in stone. If you're paying off high-interest debt, that might be your priority. The right answer depends on your job stability, family situation, and what helps you sleep at night.

Honestly? The terms get used interchangeably in Australia. What matters more is their qualifications and how they're paid. Look for someone with proper ASIC registration and ask upfront how they earn their income—whether it's fees from you or commissions from products they recommend.

Not necessarily. Property has done well for many Australians, but it ties up a lot of capital and comes with ongoing costs. Shares offer more liquidity and diversification. The "better" option depends on your financial situation, risk tolerance, and time horizon. Anyone telling you one is always superior isn't giving you the full picture.

Yesterday would be ideal, but today works too. Even if retirement feels decades away, compound growth rewards early starters. That said, we work with plenty of people who didn't start planning until their 40s or 50s—it's never too late to improve your position. The key is starting from where you are now, not where you wish you'd been ten years ago.

Depends how long those savings would last if you couldn't work. Income protection covers a portion of your salary if illness or injury stops you working—typically up to 75% for extended periods. If you've got enough savings to cover years without income and no dependents relying on you, maybe not. But most people would burn through their savings faster than they think.

At least annually, or whenever something significant changes—new job, marriage, kids, inheritance, health issues. Your financial plan isn't a set-and-forget document. Markets change, your life changes, tax rules change. A plan that made perfect sense five years ago might need adjusting. We typically recommend annual check-ins, but some clients prefer more frequent contact.

How We Work With You

No complicated processes or confusing steps. Here's how most client relationships develop with us.

First Conversation

We talk about where you are and where you want to be. No sales pitch—just questions and listening.

Understanding Your Situation

We look at your complete financial picture. Income, expenses, assets, debts, goals, concerns—everything that matters.

Creating Your Strategy

We develop recommendations based on your specific circumstances. Not a template—your actual situation.

Ongoing Support

Life changes. Markets change. We adjust your plan accordingly and answer questions as they come up.