Independent Financial Advice - Sydney, And Australia-Wide By Video Or Phone
Financial Advice, Paid For Once.
Pay less tax. Get your super into the right fund and the right option. Stop paying fees you do not need to. One fixed fee for a complete plan, from an independent adviser with nothing to sell you and no ongoing fees.
$330, credited against your advice fee. If you do not need advice, I will tell you.
Four consultations a week.
What Good Advice Gets You
Less Tax
The right contributions, in the right name, at the right time. Many people leave money on the table every year.
Better Super
The right fund and the right investment option for your age, chosen on the numbers.
Lower Fees
Every fee you pay added up in dollars, and the ones you do not need removed.
Better Long-Term Returns
Low costs and the right option are what most reliably lift returns over time. I cannot promise a return. I can get those two right.
The Price Of Not Getting Advice
Most people I see have never had an adviser. They are in a retail fund they were sold, or one an employer picked years ago, and nobody has ever looked at it properly. That costs more than advice ever will.
- Excess fees.In a fund you never really chose, at a price you have never added up in dollars.
- Poor performance.Year after year, in a fund or option nobody has checked against the alternatives.
- The wrong investment option.Picking the right option for your age matters more than picking between good funds.
- Several funds.Several sets of fees, and insurance you are paying for twice.
- Tax you did not need to pay.Contributions that could have saved tax, not made.
- No plan for retirement.It arrives, and nobody has worked out how to draw an income.
None of this needs an adviser for life. It needs sorting out once.
What Does An Extra 1% A Year Cost You?
Fees you do not need, or returns you are not getting. Put in your own numbers.
Higher fees, weaker returns, or both. Compare your fund's fees and returns with a low-cost alternative to find yours.
- With the extra cost
- $1,603,568
- Without it
- $1,934,842
Illustration only. Assumes 7% a year before the extra cost, no contributions or withdrawals, no tax and no inflation. Not a forecast and not personal advice.
How It Works
1. Consult
A 45-minute consultation by Zoom, Teams or phone. We go through your super, insurance and investments with the actual figures on the table, and I tell you plainly whether full advice is warranted, what it would cover and what it costs. It is a consultation, not an advice session. $330, credited in full against your advice fee.
2. Advise
A Statement of Advice: a fixed-fee, one-off document covering super, insurance, investments and tax, with clear recommendations and the reasoning behind them. Presented to you in a dedicated meeting.
3. You're Done
Get on with your life. No ongoing fees, no retainers, no percentage of your assets. Most people need advice twice in their lives: once to get set up, and once at retirement.
What It Costs
Initial Consultation
$330
including GST
45 minutes. Credited in full against your advice fee.
Statement Of Advice
From $6,600
including GST, paid once
Super, insurance, investments and tax. $8,800 for complex cases such as SMSFs, trusts, companies and defined benefit schemes.
After That
$0
No ongoing fees
No retainer, no percentage of your assets, no platform. If you want help later, it is $660 an hour including GST, only when you ask for it.
Then Get On With Your Life.
One-Off Advice Versus An Ongoing Adviser
Most advisers charge you every year. I charge you once.
| Comparison | An Ongoing Adviser | One-Off Advice |
|---|---|---|
| The fee | About 1% of your balance, every year | From $6,600, once ($8,800 if complex) |
| On $800,000, over ten years | About $110,000 | From $6,600 |
| Where your money sits | Often in a product the adviser manages | In your own name, in a low-cost fund |
| Who pays the adviser | Your balance, automatically | You, once, by invoice |
| If you do nothing | The fee keeps coming out | There is nothing to cancel |
Illustration only: 1% a year of a balance that starts at $800,000 and grows 7% a year. Real fees and returns vary.
Where Are You At?
Coming Up To Retirement
How much is enough, when you can stop, and how to draw it.
In A Fund You Never Really Chose
A retail fund, an old employer fund, or several of them. Find out what it is costing you.
Never Had Advice
You want it set up properly, once, by someone with nothing to sell.
Just Received A Lump Sum
Inheritance, redundancy or a property sale.
Money To Invest
What to buy, in whose name, and what to leave alone.
Already Have An Adviser
A second opinion on what you pay and what you get.
Is This For You?
This Is For You If
- You are within ten years of retirement, or already there
- Your super is in a fund you never really chose, or spread across several
- You have $100,000 or more in super and investments
- You already have an adviser and suspect you are overpaying
- You want a plan done once, properly, and no ongoing relationship
- You are ready to act on good advice
This Is Not For You If
- Your main issue is budgeting, spending or debt
- You want help choosing or buying a property
- You are after a free chat
What Clients Say
Join the hundreds of Australians I have advised since 2021.
Andy provides a wonderful service. He is personable, professional and highly informed, and was able to give us a clear financial plan. We were very impressed with the independent financial advice Andy provided, and the time he took to understand our needs and work with us on our financial planning. Highly recommended.
My wife and I found Andy and his company to be very generous with their time and to be a wealth of information. We were able to gain greater clarity on our future financial planning strategies. I can highly recommend Andy & his team.
Professional advice, thorough, friendly
We recently had the privilege of working with an Andy, an exceptional independent financial adviser, who provided us with invaluable advice and guidance, with no hidden agendas or on-going fees that is very common in this industry. First and foremost, Andy displayed an impressive level of expertise and knowledge in the financial industry. He thoroughly analyzed our financial situation, taking into account our goals, risk tolerance, and long-term aspirations. His comprehensive approach ensured that every aspect of our financial well-being was considered, leaving no stone unturned. Andy has an exceptional ability to explain complex financial concepts in a clear and understandable manner and a fierce commitment to providing independent advice. He walked us through various investment strategies, retirement planning options, and risk management techniques, ensuring we had a firm grasp of each recommendation. This made us feel empowered and confident in making informed decisions about our financial future. We where particularly impressed by his attention to detail and proactive approach. He not only identified potential risks and opportunities but also provided us with actionable steps to mitigate those risks and capitalize on the opportunities. His comprehensive statement of advice was meticulously crafted and clearly outlined, leaving no room for confusion or doubt. Thanks to his insights and recommendations it has enabled us to make prudent investment decisions, optimize our savings, and plan for a secure and prosperous retirement. We now feel more confident and empowered in managing our finances, knowing that we have a trusted expert by my side whenever we may need further advice in the future. In conclusion, we whole heartedly recommend Andy to anyone seeking exceptional independent financial advice. Thank you once again for your exceptional advice and support. We are eternally grateful for the positive impact you have had on our financial well-being. Regards Ana and Arturo
Andy is highly professional and competent. This was our first experience with a Financial Planner and being an independent planner, this gave us confidence that he was acting solely in our best interests.
Had a quiet unique situation i needed assistance with and was completely lost and unsure how to figure it out andy was great and helped me out with all aspects of it. Highly recommend him to any one needed advice! His knowledge is fantastic and always goes into depth and takes the time to help you understand everything he puts forward.
Who You Will Deal With
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, in 2021 Independent Wealth Advice was started. You pay for honest and expert advice the way you pay a doctor, a lawyer or a plumber: for the work. Then you get on with your life.
Andy Darroch
Quoted or interviewed in the ABC, The Australian Financial Review, The Sydney Morning Herald, SBS Insight, Bloomberg and Choice.
Common Questions
Is advice worth it for me?
As a rough guide, it starts to pay for itself at around $100,000 in super and investments, and the case gets stronger the closer you are to retirement. The consultation exists to establish exactly this, and if the answer is no, I will say so.
Why is the first meeting $330 and not free?
A free first meeting is usually paid for later, through ongoing fees. I would rather you paid once for my time and owed me nothing. The $330 comes off your advice fee if you go ahead.
Can I just do this myself?
Often, yes, and I am glad when people do. Advice is for when the amounts are large, the timing matters, or you want to be sure before you act. Mistakes with super and tax are easy to make and expensive to undo.
What will you recommend?
I cannot say before I know your situation. I can say that nobody pays me to recommend anything, and that I favour low-cost options because the numbers do.
Do I have to decide on the call?
No. If advice is warranted I quote the fixed fee on the call and confirm it in writing. Complicated situations can take up to 24 hours. The quote stands for seven days.
Do I need to be in Sydney?
No. Consultations are by Zoom, Teams or phone, and my clients are across Australia.
General advice only. It does not take your objectives, financial situation or needs into account. Consider whether it is appropriate for you before acting on it.
Book A Consultation
If you do not need advice, you find out for $330, not $6,600.
- 45 minutes with the adviser himself, not a junior
- A fixed quote on the call, if advice is warranted
- The $330 is credited in full if you proceed
Why $330 and not free? A free first meeting is usually paid for later, through ongoing fees. I would rather you paid once for my time and owed me nothing.
Pay $330 now. A consultation, not an advice session. Reschedule up to 48 hours before.