15-minute call
Cost: [PLACEHOLDER: confirm free]
- Who it’s for
- Anyone wondering whether advice is right for them
- What you get
- A friendly chat about where you are and whether we can help
- How we meet
- Phone or video
- Typical timeframe
- 15 minutes
Our services and fees
All fees incl. GST. This is an estimate. We’ll confirm the fee in writing before any work starts.
Single-issue advice
Cost: [PLACEHOLDER: Single-issue advice fee range]
- Who it’s for
- People who want help with one thing, such as super contributions or the Age Pension
- What you get
- A written Statement of Advice on one topic
- How we meet
- Video or in person
- Typical timeframe
- [PLACEHOLDER: Single-issue advice: typical timeframe]
Comprehensive retirement plan
Cost: [PLACEHOLDER: Comprehensive retirement plan fee range]
- Who it’s for
- Pre-retirees and retirees who want a full plan
- What you get
- A full review and written plan covering super, investments, insurance, Centrelink and estate coordination
- How we meet
- In person or video
- Typical timeframe
- [PLACEHOLDER: Comprehensive retirement plan: typical timeframe]
Ongoing advice
Cost: [PLACEHOLDER: Ongoing advice fee range]
- Who it’s for
- Clients who want regular reviews and support
- What you get
- Annual review, ongoing adjustments and access to your adviser
- How we meet
- In person, video or phone
- Typical timeframe
- Yearly
Aged care advice
Cost: [PLACEHOLDER: Aged care advice fee range]
- Who it’s for
- Families helping a parent move into residential aged care
- What you get
- Advice on paying for care, Centrelink and keeping or selling the home
- How we meet
- In person, video or phone
- Typical timeframe
- [PLACEHOLDER: Aged care advice: typical timeframe]
From first call to ongoing reviews
-
15-minute call
A short phone or video call to see whether we can help.
What you receiveA clear next step, or a referral if we’re not the right fit.
[PLACEHOLDER: confirm the 15-minute call is free]
-
Initial meeting and discovery
In person in Subiaco, or by phone or video. We get to know your goals and your finances.
What you receiveHow we work and what advice would cost, before anything starts.
-
Your Life Map and Statement of Advice
We research your options and put our recommendations in writing, with the costs and risks.
What you receiveYour Life Map: your goals and the strategy to reach them, in a Statement of Advice we talk through with you. You decide whether to go ahead.
-
Putting it in place
If you go ahead, we handle the paperwork and work with your accountant, lawyer and providers.
What you receiveUpdates as each step is done.
-
Ongoing reviews
If you choose ongoing advice, we review your plan as your life changes.
What you receiveA written agreement, renewed each year, that you can end at any time.
Why a fixed fee?
[PLACEHOLDER: keep this section only if Cornerstone confirms fixed fees]
Some advisers charge a percentage of the money they manage. That cost rises as your balance grows, even if the work doesn’t change. A fixed fee is based on the work involved.
| Percentage-based fee | Cost a year |
|---|---|
| 1% of $500,000 | $5,000 |
| 1% of $1,000,000 | $10,000 |
| Our fixed ongoing fee | [PLACEHOLDER: ongoing advice fee range] |
How we’re paid
We’re paid by the fees you agree to in writing.
Questions about fees
Why do fees vary?
Fees depend on how much work is involved. For example, whether you’re single or a couple, have an SMSF or a family trust, or need advice on several areas at once. We’ll give you a fixed quote before any work starts.
Is the first meeting free?
Yes. The 15-minute call and the first meeting are both free and there’s no obligation. [PLACEHOLDER: confirm both are free and no obligation]
Is advice tax-deductible?
Some advice fees may be tax-deductible, depending on the type of advice. Your accountant or the ATO can confirm what applies to you.
What if I only want help with one thing?
That’s what single-issue advice is for. It’s a smaller piece of written advice on one topic, at a lower fixed fee.
Can I stop ongoing advice?
Yes. Ongoing advice is optional, you can stop at any time, and we’ll ask you to renew your agreement each year.
Not sure where to start?
A 15-minute call, by phone or video, is the easiest first step. We’ll listen, answer your questions and tell you honestly whether we can help. The first meeting can be in person at our Subiaco office, or by phone or video.