Financial planning fees

How much do Goldsborough’s financial planning services cost?

We don’t charge for the initial consultation, so that our advisers can get to know your requirements – and you can see if they’re right for you. So, while it isn’t free financial advice, it is a great way to get to know us and what we can do together.

If you want to go ahead with strategic advice, we’ll get your agreement upfront on the fees and scope of our work – so there are no surprises. We include a face-to-face meeting to go through the recommendations and Statement of Advice. We’ll also provide you with the fee for us to implement investments we may recommend as part of the advice.

Our fees are based purely on the services that you want us to provide – not on how much your portfolio is worth. If your advice includes insurances, this may be paid via a fee for service or commission arrangement – or a combination. But as with any of our fees, this will be discussed and clearly explained to you.

We have special packages for tailored aged care financial advice, as well as Centrelink assistance.

Ongoing financial services package

We ensure our ongoing service fees are a true reflection of the services you need and will receive from us.

Our fee structure is tailored to suit each client’s specific needs and requirements because we understand all clients are different. So your fees will always reflect your situation and the advice you need.

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Latest insights

A financial planner can provide advice on a whole range of financial matters you could be dealing with at different life stages. They can help you manage your debts, plan for retirement, save for your kids’ education and invest in assets, including property. Whether you’re buying your first home, starting a family, changing careers or planning for life after your kids leave the nest, financial planning can offer you all sorts of benefits..
At a time when both share and fixed interest volatility is heightened, it’s important to point out the importance of looking at the long term returns and riding out any short-term hiccups. It’s also worth noting that interest rates on cash are still very low, so while it’s a safer option compared to shares, it’s not necessarily a profitable one given the current inflationary environment. That’s where alternatives come in and why we often include them in our portfolios.
What is deeming? Services Australia (Centrelink) use “deeming” rules to work out income from your financial assets. The actual “deeming rate” (refer below) is the rate of income the government assumes a person's financial assets have earned. It forms a part of the income test for certain Centrelink payments, including the Age Pension. It can affect how much Age Pension a retiree receives.