45 minutes with an independent adviser. An honest answer, not a pitch.
We go through your super, your insurances and your investments with the real figures on the table. At the end you get a verdict: whether advice would put you in a materially better position, what it would cover, and exactly what it would cost. If the answer is no, that's the advice.
$330 inc GST. Credited in full against your advice fee if you proceed.
Zoom or Teams. Australia-wide. Paid at booking.
What you get for $330
A specialist's attention
Before the call I read what you've sent. On the call we work through it line by line. I've spent 15 years at Macquarie Private Bank, Wilson HTM and my own firm doing exactly this.
A verdict, in writing
Within 24 hours you get a one-page summary: what you have, what's wrong with it, what advice would cover, and the fixed fee. Show it to your partner. Show it to another adviser.
No smaller product
We don't have an ongoing service, a portfolio or a platform to steer you into. About half the people we speak to are told they don't need us. They've spent $330 to find that out instead of $6,600.
Why the first meeting isn't free
A free first meeting isn't free. It's a sales cost, recovered from the clients who proceed. The people who say yes pay for the people who don't, and the meeting is designed to get you to yes.
When you see a lawyer, a doctor or a specialist, you pay for their time from the first appointment, and you get their opinion, not their pitch. If you're not paying for someone's time, you're not dealing with an adviser. You're dealing with a salesman.
Who you'll be speaking to
Andy Darroch, Director
B Bus (Acc), Dip FP, SMSF Specialist, MCFIAA.
A decade at Macquarie Private Bank and Wilson HTM, watching layers of fees, complexity and conflicts erode what clients were getting. Independent Wealth Advice started in 2021 to do the opposite: one fee, one document, no product to sell.
Less than 1% of advisers in Australia are legally independent. We're one of them, and we publish every fee on this site.
Before you book
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Then that's the advice. You've paid $330 to have a specialist confirm you're set up properly, instead of $6,600 to be told the same thing at greater length. You leave with a written answer, and we don't hear from you again until something changes.
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No. But you'll have everything you need to: the verdict, the scope and the fee, and all three in writing within 24 hours. Most people do decide on the call. Places are limited and held for those who confirm, so if you need to speak to a partner first, have them on the call.
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Approximate figures. Super balances and which fund you're in, insurance cover amounts inside and outside super, investment and property values, income, and any debts. You're asked for these when you book. The call is only as useful as the numbers you bring to it.
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Yes, with 48 hours' notice, using the link in your confirmation email. Inside 48 hours the fee is forfeited, because the time was held for you and can't be offered to anyone else.
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Nothing further. The $330 covers the consultation and the written summary, and there's no obligation either way. We don't chase. If your circumstances change later, book again.
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Generally not. Fees for initial advice, or for working out whether you need advice, aren't deductible under the ATO's current guidance. Part of a Statement of Advice fee can be, depending on what the advice covers. We'll tell you which part on the call.
Check the tax one against your own reading of the ATO guidance before it goes live. It's the one answer on the page that's a legal position rather than your policy.