Would you like to receive financial advice without being ripped off?
Financial services companies and 'advisers' make it intentionally difficult to avoid high costs, complicated products, risky investments, and hidden fees.
That's where we're different.
Talk to an independent financial adviser in Sydney, Australia today and get started.
Independent Wealth Advice is a different kind of adviser
While most advisors charge ongoing fees, commonly as a percentage of assets, we charge a single, flat fee. We publish all of our fees on our website.
Australians should pay for advice the same way they pay a doctor, a lawyer or a plumber, when they need it. A fair fee for a fair service.
Simple, fair fees
Less than 1% of advisers in Australia are independent, we proudly are.
We don’t push products, we’re not affiliated with a bank, we don’t have hidden incentives, we never receive any commissions.
Independence
Financial services companies and financial planners like to tell their clients they need to pay ongoing retainers, charge monthly fees to their super and investment portfolios.
Our clients don’t. Ongoing fees eat away at your retirement balance.
One-off advice
Advice when you need it
One-off advice is one of the key elements that differeniates us from the traditional sales dominated culture of financial planning.
Why we don’t charge out clients ongoing fees, so your money works for you, not us
Once you’re setup in the perfect superfund and the perfect investment portfolio, we’ve made a comprehensive plan for your retirement and sorted any insurances, there is really no need to pay expensive ongoing fees… That’s why our clients don’t.
As featured in
Real reviews, from real clients
Our clients range from investible assets of more than $10M+ to as little as $100,000.
Why?
Because the investment requirements of a person with $500,000 are in reality no different to someone with $5 million. People want secure returns, top quality investments, proven strategies, trustworthy managers and tax efficiency. Why should someone with $2 million in super pay double the fees of a person with $1 million? Is there actually any difference?
Get honest, trustworthy financial advice from an independent financial adviser that’s designed to benefit you.
We aren’t here to sell you products, we are here to solve problems, to help you achieve your goals and to assist you in navigating the unnecessarily intimidating and needlessly complex world of financial planning.
We help our clients solve these problems
Superannuation
We can boost returns by removing unnecessary fees, lowering costs and helping you choose a top-performing, first-class fund.
Investments
We can help you invest with confidence by avoiding risky, complex and expensive products.
Insurance
We can slash insurance costs by removing any adviser commissions.
Tax
We can help you reduce tax, allowing you to build wealth faster and retire earlier.
You can have sophistication with simplicity, without high costs and without conflicts.
Who we are
Andy Darroch, Director
B Bus (Acc), Dip FP, SMSF Specialist, MCIFAA, Former CFP (2020 - 2024)
After a decade of working at institutions like Macquarie Private Bank & 125 year old stockbroker Wilson HTM, witnessing first-hand how endless layers of fees, unnecessary complexity, biased advice and rife conflicts of interest eroded any benefits for clients, Advise Me Today (now Independent Wealth Advice) was started. Our ambition is to deliver honest advice, which places clients first, not advisers, not bonuses, not banks.
Based in Sydney, servicing Australia wide
Our offices are located in the Sydney CBD, at Level 12, 14 Martin Place in the historic Colonial Mutual Building. Thanks to Zoom and Microsoft Teams, we service clients of all types Australia wide.
Once conflicts, expensive ongoing fees, and complicated products are removed, servicing clients online becomes very easy, it’s something we do every single day.
Pricing
Complete Financial Plan
Frequency? Common
Price? $4,999 including GST
Includes? Full superannuation & insurance review (couple), complete investment review and recommendations, recommendations for superannuation contributions, Centrelink recommendations (retirees), and pretty much anything else.
Implementation? 3 hours of implementation assistance included, this means setting up accounts, rollovers, investments. No one is required to have us implement the advice.
No ongoing fees, no insurance commissions, no kickbacks. We do not charge ongoing fees.
Who is this for? Retirees, pre-retirees, people who want to invest funds, review their super, review their insurances, anyone who wants to make sure they’re perfectly setup financially.
Complicated Financial Plan
Frequency? Common
Price? $6,600 including GST
Includes? Full superannuation & insurance review (couple), complete investment review and recommendations, recommendations for superannuation contributions, Centrelink recommendations (retirees), and pretty much anything else.
Implementation? 3 hours of implementation assistance included, this means setting up accounts, rollovers, investments. No one is required to have us implement the advice.
No ongoing fees, no insurance commissions, no kickbacks. We do not charge ongoing fees.
Who is this for? Anyone listed previously, but with a more complicated situation. This includes, SMSFs, Defined benefit schemes, UK pension transfers and Expats, complicated tax & financial planning, (Trusts, SMSFs, selling small businesses etc).
Tailored Arrangements
Frequency? Upon request. Price? To be discussed.
Examples of a tailored arrangement would be an Ultra High Worth Investor (More than $10m of investments), Not-For-Profits, Charities, essentially anyone or any institution that requires ongoing consulting arrangements. We work out how many hours a month you will need and enter a fixed price arrangement you can end at any time.
Don’t want personal advice? Then checkout one of our low-cost workshops, via our service ‘The Honest Adviser’
visit honestadvice.com.au for more information.
FAQs
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Not only are we independent and expert. We do not charge ongoing fees.
We are always here to help, but unlike 99.9% of financial advisers, by using industry funds and ETFs, we don’t require any person to pay us ongoing fees.
We recommend industry funds and ETFs because they achieve superior investment returns and lower risk for clients, not because we stand to gain.
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Yes! All packages come with 3 hours of assistance implementing the advice this includes assisting with Binding Death Benefit Nominations, getting the investment options right, helping setup accounts.
Anything above the 3 hours, is quoted before, so you don’t get hit with a nasty bill, equally, no one is required to have us assist, any client can easily implement our advice with no further involvement or contact from us, we never require anyone to use our services and frankly love it when people save and money by doing it themselves!
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Absolutely! Just because we don’t charge ongoing fees doesn’t mean we aren’t here to help.
Simply put, whatever superfund is perfect for you with $500,000 (or more or less) at age 40 (or more or less) is still going to be the best for you at age 60 (or more or less) and $1,000,000 (or more or less).
However, if your situation changes, e.g. an inheritance, you sell a large asset, want to ensure you’re still on the right path or just want a ‘review’ you can book in anytime. The only difference is you probably won’t need another SOA and instead, will pay a simple hourly fee of $330 per hour for advice that is unlikely to take more than 2 - 3 hours.
We should pay for financial advice the same way you pay a Doctor, a Lawyer or a Plumber - when you need it.
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Not at all, people pay us for an expert opinion on what to do with their money, if they choose to follow that advice to the letter, wonderful! They will not regret it.
For anyone (it’s not happened yet) who doesn’t rest assured you’re under no obligation to change anything.
We get paid to give advice, not sell products.
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Currently, only personally and it is not tax deductible (we wish it was, but it is not).
On the plus side, no one pays upfront, you pay when you get the advice.
The process
We talk
Step One
We start by listening, to understand what is keeping you up at night. We have a 15 minute no sales, no pressure, confidential phone call.
We meet
Step Two
We meet either in our Sydney Offices or online via Zoom and Microsoft Teams. We understand what's important to you, what problems you need solving, how we can assist.
We advise
Step Three
Once we've provided a fixed quote, we then present a Statement Of Advice, giving you practical, proven and effective solutions with clear outcomes to help you achieve peace of mind.
You enjoy
Step Four
You can now go about enjoying your life, not stressing about retirement, tax, financial markets or whether you're leaving anything on the table.
15 Minute Phone Call
A free, no sales, no pressure, 15 minute discussion to confirm how we can be of assistance.
Cost: None
Location: Phone
Introductory Consultation
An introductory meeting to more formally run through how we help clients, how the process works and to outline whether we can be of assistance.
Cost: None
Location: Martin Place or online
Book an appointment, today.
Imagine knowing your super is perfectly invested for you,
you and your family are covered if anything were to happen,
you're going to minimise tax by maximising superannuation,
and you've got a clear idea of how you're going to retire wealthy.
What makes us different?
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100% independent
Privately Owned
We are privately owned and have no ties with any bank, super fund or company trying to sell products.
No Commissions
We do not receive or accept any kind of commissions means we’re not incentivised to oversell you.
No Hidden Fees
We have no hidden arrangements or lucrative incentives that limit our advice and hurt clients.
No Kickbacks
We only recommend the best possible investments, we're not influenced by kickbacks and conflicted payments.
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