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Choosing a financial adviser is not like picking a cafe. Bad coffee ruins a morning. Bad advice can follow you for years. Check the basics first Before being impressed by a polished website, check that the adviser is properly licensed or authorised. Look them up on...

You do not need to wait until your finances feel like a tangled set of Christmas lights before asking for help. Signs advice may help Advice may be useful if you have competing goals, growing complexity, big decisions, uncertainty about retirement, concerns about...

Start with licensing and scope Ask whether the adviser is licensed or authorised to provide personal financial advice in Australia, and what areas they are authorised to advise on. You can also check the Financial Advisers Register. A good adviser will not be...

Nobody wakes up excited to pay another professional fee. Fair enough. The real question is whether the advice gives you more back than it costs. Value is not only about investment returns A good financial adviser may improve your investment structure, but that is only...

Ever tried to find a straight answer on financial advice fees and ended up with more questions than when you started? Why the price varies so much Financial advice is not a shelf item with a neat sticker price. The cost depends on what you need advice on, how complex...

Most money mistakes aren’t made by reckless people. They’re made by smart, capable people who are busy, successful and assume they’ll “get to it later”. Later has a habit of turning into never. One of the most common mistakes is having money scattered everywhere. Old...

A lot of people wonder whether they actually need a financial planner. With investment apps, super dashboards and endless money advice online, it’s a fair question. The short answer is this. Some people can manage on their own. Most people think they can, but quietly...

If you're a small business owner in Melbourne, you’ve probably asked yourself at some point:"Should I keep paying rent to someone else—or should I own the building myself?" But here’s the twist: what if your superannuation fund could be the landlord? Buying your...

By Partners in Planning – Melbourne-based Independent Financial Planners Divorce is rarely just emotional — it’s often financially disorienting, too. Whether you’ve just begun the legal process or are staring at a freshly stamped settlement, it’s normal to feel...

As independent financial planners based in Melbourne, we’ve seen a growing trend: more people in their 50s are seeking advice not just for retirement—but for financial independence. They’re not necessarily ready to stop working, but they want to know they could if...