Wealth & Security Planners

Our Service Models

We offer fixed term service arrangements that adapt to your needs. Click on any option below to learn more—or tell us what’s happening in your life and we’ll highlight what typically fits.

What’s happening in your life right now?

Contact

$660 p/a
(12 Mths)

Fixed 12-month engagement to keep your file active and compliant. Includes “Pro” app features like live banking feeds.

What’s included
  • Coverage for a fixed 12-month period
  • Pro version of the app with automatic live datafeeds
  • Annual file review to ensure information is current
  • Our name retained on your accounts with institutions
  • File kept open and maintained—ready to step up quickly if needed
This suits you when:

Things are stable, but you want us actively maintaining your file. This is a 12-month fixed agreement, not an ongoing subscription.

Report

From $1,650 p/a

Formal documentation of your position. Retirement projections, summaries—factual and general, not personal recommendations.

What’s included
  • Retirement goal projections
  • Position summaries and net worth statements
  • Scenario modelling
  • Discussion Paper on specific issues
  • Includes Contact, plus annual report and communication

Reports are factual and general—they inform rather than recommend. This distinction matters: a report gives you clarity on where you stand; a recommendation requires formal advice documentation.

This suits you when:

You need clarity on your current position. You’re planning ahead or want something documented. You’re not necessarily seeking a recommendation—you want to understand the numbers.

Advice

From $2,640 p/a
($330/hr)

Personal recommendations. Strategy documents. Statements of Advice. Professional guidance applied to your specific situation.

What’s included
  • Statements of Advice (SoA) and Records of Advice (RoA)
  • Strategy documents and recommendations
  • Implementation support
  • Complex situation analysis
  • Includes Contact, plus annual report / communication and personal advice

Charged on a time basis for full transparency. Adviser time at $330/hr; administrative support at $110/hr. Minimum engagement typically starts from $2,640.

This suits you when:

You’re facing major decisions or life transitions. Complex situations requiring professional judgment. You need someone to work through the options with you and make specific recommendations.

Moving between service levels isn’t about climbing a ladder—it’s about matching what we do to what life has put in front of you. A period of stability calls for Contact; a period of change may call for Advice. The right level is whatever fits your circumstances now.

Our real strength is in relationships—being available when you need us, knowing your situation well enough to respond meaningfully, and helping you build capability and confidence rather than dependence. Your needs will change over time, and we adapt as your circumstances do.

The Total Portfolio Approach

We recognise that everyone’s financial situation is unique. Our approach integrates your complete wealth picture with flexible service levels to create genuinely personalised advice.

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The Service Cube™

The level of advice and services you want or need at any given point in your financial journey. Life isn’t linear—sometimes you need intensive advice, sometimes just maintenance. The Service Cube adapts to where you are right now, and changes as you do.

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The Wealth Pyramid™

A conceptual and technical analysis of your complete financial position—at a point in time or across your lifetime. From foundations (cash flow, protection) through accumulation to distribution, the pyramid ensures nothing is overlooked.

📌 Foundations First

Before moving to investments or complex strategies, you’ll want to ensure the fundamentals are sound. What that looks like varies by person and circumstance—it might involve cash reserves, disaster planning, insurance protection, debt management, structures for tax effectiveness and credit security, or estate planning. Not everyone needs everything. This isn’t a tick-box exercise—it’s making sure your foundations will hold when life gets complicated.

The Wealth Pyramid™ and The Service Cube™ are registered trademarks of WSP (June 2002, renewed through 2032).

Don’t Take Our Word For It

Good decisions come from good information—and that shouldn’t only come from us. These independent resources can help you understand financial advice, check credentials, and know your rights.

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Moneysmart

ASIC’s guide to money, investing, and financial advice. Independent government resource.
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Adviser Register

Verify any adviser’s credentials, qualifications, and history. Look us up.
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AFCA

Australian Financial Complaints Authority. Free, independent dispute resolution.
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FAAA

Financial Advice Association Australia. Professional standards and expectations.

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