We provide affordable advice that puts you first. It's incredibly sad how uncommon that it is. We don't receive any commissions, we don't push products, we give advice that is free of conflicts, free of obligations and free of bullshit.

We are affordable, we are experts, we are independent, we have the highest qualifications, we have the most pedigree experience.

We are the best, for you.

My name is Andy. I live in Sydney.

I think financial advice could be much more accessible and much less conflicted. I also think the advice should always help the client more than it helps the adviser providing it. I'm not paid by or aligned to any fund or any company. I work for myself. I own my own business.

Our motto is fairly simple,

Advice that puts clients first.

I've worked in wealth management as both a financial planner and stockbroker since 2014. The companies I've worked in as an adviser include Macquarie Bank and Wilsons Advisory & Stockbroking (Wilson HTM). Recently, whilst setting up this business I've worked as a consultant assisting financial services companies with their customer remediation programs.

I've got a Bachelor of Business (Accounting) from the Queensland University of Technology, I'm a CFP Accredited adviser (they say it's the highest qualification for financial advisers - it was difficult, time-consuming and expensive - however, I don't think I'm any better an adviser as a result of it), I've got a Diploma of Financial Planning (Kaplan) and I'm an accredited as an SMSF Specialist (University of Adelaide).

I loved working as a stockbroker and I genuinely miss it every day. That being said, whilst I always put clients first and did everything possible to ensure my clients got the best possible return, I genuinely don't think they got as good value for money as they should have. When I managed a $1 million dollar portfolio, that's $11,000 per annum (including GST) in adviser fees (just my advice fee), again, I serviced all my clients as best as humanely possible, however, I genuinely think I can offer better outcomes to anyone (whether you've got $100,000 or $20 million) now, by unbiased, one-off advice.

Yes, we are part of the less than 1% of advisers that is completely independent.

We are not affiliated with any super fund, bank, insurance company, or any kind of financial institution.

We are not some 'money coach' that's going to advise you what brand of pasta to buy or how to save 3% on your power bill and tell you that we need catch up regularly and you need to pay me a fee so I can help you "reach your goals".

We are not some product pusher that's going to try to fill you up with more insurance than you need and some shitty third rate bank product who you will never hear from again

We are not some suburban financial planner who is going to put you in a portfolio of managed funds that never changes, charge you 1% of your balance and speak to you once a year.

We are not a stockbroker that is going to convince you to set up an SMSF and invest in Australian stocks and bank hybrids for franking credits.

We are not some sleaze Instagram con-artist telling you that you can retire and trade stocks, options, FX or crypto and live on the beach, drive a Lambo just by subscribing to my training plan and following my strategies.Item description

For those that have an adviser, here's some considerations:

How often do you speak to your adviser/s?

How much do you pay them per year?

How often do your investments change?

Does your adviser actually need to you to be insured so your family is safe, or are they just trying to force insurance down your throat to maximise their commissions?

Do you actually think your adviser is actually able to employ any advantage by selecting investments? Or do they simply pay someone else to (managed funds) and as such, why do you need the adviser?

How many different advisers have you had at the firm?

Before your adviser recommended it, have you ever heard of the company that your super is with?

In my opinion, and I've spent the majority of my working life as a stockbroker and financial adviser, 90% of people have no need to see an adviser more than every 5 or 10 years, and even when they do, they should pay a single, flat fee, not a percentage of what is likely your single biggest asset.

I'm not a registered tax agent so whilst I give tax advice (mostly about debt, investments and super), I'm not a practising accountant (although I've got a degree in accounting) and as such I can't do your tax return for you.

What I can do is point you to a good accountant or point you to some really good free resources (e.g. ATO Online).

Again, similar to accounting, no - I'm not a mortgage broker and I can't directly organise your finance.

That said, what I can do is point you to a really good mortgage broker.

I can also assist you in being cc'd in an email to your bank - sometimes just sending a message like that can make your bank become a bit more competitive on their rate - no more than ever.

We’re located in Sydney, Australia.