{"id":911,"date":"2026-09-26T07:44:43","date_gmt":"2026-09-26T07:44:43","guid":{"rendered":"http:\/\/locals.buildprosites.com\/sableford\/home-dark\/"},"modified":"2026-09-26T07:44:44","modified_gmt":"2026-09-26T07:44:44","slug":"home-dark","status":"publish","type":"page","link":"https:\/\/locals.buildprosites.com\/sableford\/home-dark\/","title":{"rendered":"Home (dark hero)"},"content":{"rendered":"\t\t
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Fee-only financial planning · Ascot<\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Our fees are in dollars. Most are in percentages.<\/em><\/h1>\t\t\t\t<\/div>\n\t\t\t\t
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Retirement and later-life advice for Brisbane people who want to know exactly what the advice costs and exactly what it is for. One flat fee, agreed each year. No commissions, and nothing of our own to sell.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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2011<\/div>\t\t\t\t<\/div>\n\t\t\t\t
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The year we set up<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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120<\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Ongoing clients, capped<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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0<\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Products of our own to sell<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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1<\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Flat annual fee, in dollars<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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What we do<\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Three kinds of work, all fee-only.<\/h2>\t\t\t\t<\/div>\n\t\t
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01<\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Retirement income<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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What you can sustainably draw from super and savings, when you can stop work, and how the Age Pension fits in.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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02<\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Super, reviewed<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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What you have, including the accounts you forgot, and whether combining them helps or costs you the insurance inside them.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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03<\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Later life & estate<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Aged care costs, gifting, and the family conversations people put off, worked through with your solicitor.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\tWhy the fee matters<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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A percentage sounds small and compounds like everything else.<\/h2>\t\t\t\t<\/div>\n\t\t
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A flat fee, in dollars<\/strong> — Agreed each year and never a slice of your balance, so our advice costs the same whether your super rises or falls.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t02<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Deliberately small<\/strong> — We cap ongoing clients at 120 so a yearly review never turns into a conveyor belt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t03<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Paid only by you<\/strong> — No commissions, no products of our own and no incentive to recommend one thing over another.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\tHow it works<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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Four steps, and the first one is free.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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STEP 1<\/div>\t\t\t\t<\/div>\n\t\t\t\t
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First meeting<\/h4>\t\t\t\t<\/div>\n\t\t\t\t
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An hour of questions. No advice, no charge and no follow-up call unless you ask.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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STEP 2<\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Fact-find<\/h4>\t\t\t\t<\/div>\n\t\t\t\t
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Your super, savings, property and plans, gathered once and kept.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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STEP 3<\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Statement of Advice<\/h4>\t\t\t\t<\/div>\n\t\t\t\t
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A written plan with every assumption and the fee shown in dollars.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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STEP 4<\/div>\t\t\t\t<\/div>\n\t\t\t\t
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Each year<\/h4>\t\t\t\t<\/div>\n\t\t\t\t
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A review against what actually happened, and a new fee agreed before it starts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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They put a percentage fee and a flat fee side by side over twenty years, for my own super. Nobody had ever shown me that.<\/h2>\t\t\t\t<\/div>\n\t\t
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Sunita R.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Retirement planning client, Hendra<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Start with the free hour.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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No advice is given in it and nothing is recommended. Decide everything else afterwards.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tBook the free first meeting<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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One hour · No charge · No follow-up call unless you ask<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"callouts":[],"class_list":["post-911","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/locals.buildprosites.com\/sableford\/wp-json\/wp\/v2\/pages\/911","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/locals.buildprosites.com\/sableford\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/locals.buildprosites.com\/sableford\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/locals.buildprosites.com\/sableford\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/locals.buildprosites.com\/sableford\/wp-json\/wp\/v2\/comments?post=911"}],"version-history":[{"count":1,"href":"https:\/\/locals.buildprosites.com\/sableford\/wp-json\/wp\/v2\/pages\/911\/revisions"}],"predecessor-version":[{"id":912,"href":"https:\/\/locals.buildprosites.com\/sableford\/wp-json\/wp\/v2\/pages\/911\/revisions\/912"}],"wp:attachment":[{"href":"https:\/\/locals.buildprosites.com\/sableford\/wp-json\/wp\/v2\/media?parent=911"}],"wp:term":[{"taxonomy":"callouts","embeddable":true,"href":"https:\/\/locals.buildprosites.com\/sableford\/wp-json\/wp\/v2\/callouts?post=911"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}