How it works
A straightforward process from first conversation to complete clarity.
01
Clarity call
A short call to understand your situation and what you're trying to work out. No obligation — it's a chance for both of us to decide if it makes sense to work together.
We’ll briefly discuss what you’re hoping to achieve, and I’ll let you know honestly whether I believe financial advice would add enough value to justify the cost.
02
First meeting
We go through your full situation in detail — super, investments, income, goals and what retirement actually looks like for you. This is where we get everything on the table.
03
High-level overview
Before anything is formalised, I’ll show you a high-level view of the strategy I believe could help, along with what the outcomes could look like and the fees involved. This gives you the opportunity to understand what I’m recommending and decide whether the value is there for you.
If you decide not to go any further, that’s completely fine. You’ll still walk away with a clearer understanding of where you stand financially and what your future could look like.
04
Your detailed financial plan
If you're happy with the direction, I write your detailed financial plan — a complete, written strategy tailored to your goals. If anything needs adjusting along the way, we work through it together at no extra cost until you're completely happy with how everything fits your life.
05
Plan implemented
Once you're satisfied with the plan, everything is put into action — accounts set up, capital allocated, products arranged. This is where the strategy moves from paper to reality.
06
Ongoing support — if you choose
Once everything is fully implemented, ongoing support begins — but only if you decide it's right for you. There's no pressure to continue. Most clients choose to stay because having someone in their corner as life evolves makes everything easier.
Simple, transparent pricing
Phase 1 - Design
Initial Financial Plan
Your written financial plan — a clear, detailed strategy covering your super, investments, structures and retirement. Fixed fee based on your situation. No hourly rates, no surprises.
– Single: $3,300
– Couple: $3,997
More complex structures, including SMSFs and trusts, may involve a higher plan fee. I’ll confirm this with you before you proceed.
Phase 2 - Implementation
Getting Everything Set Up
If you decide to proceed with the recommendations, there may be an additional implementation fee for putting the strategy into place — establishing accounts, coordinating with institutions and implementing the agreed recommendations.
Your implementation fee will be explained clearly and agreed with you before any work begins. There is no obligation to proceed with implementation.
Phase 3 - Ongoing Support
Ongoing Support — for people who want clarity year after year
Most clients choose to continue with ongoing advice after implementation, but it’s completely optional.
If ongoing support makes sense for you, I’ll explain the service and fee clearly before you decide whether to proceed.
Flexible payment options
You can pay your fees from super, investments, cash flow, or a combination — whichever works best for your situation.
With ongoing support, you receive:
Personal advice from the same adviser
I’ve deliberately built Saint Financial Planning to remain small and personal. I’m the adviser you meet at the beginning and the adviser you continue working with—you won’t be handed over to someone else once your plan is in place. By keeping my client base limited, I can understand your situation properly and be available when you need advice.
01
Annual strategy refresh & retirement projections
Your plan is re-modelled each year – or when required – so you always know:
– whether you're still on track,
– when adjustments need to be made,
– and what you can safely spend.
02
Investment oversight & portfolio reviews
I monitor your super and investment strategy so it stays aligned with your goals – not markets, headlines or hype.
03
Tax-aware structuring throughout the year
Guidance around contributions, withdrawals, capital gains and entity decisions so you keep more of what you earn.
04
Coordination with your accountant and other professionals
I can work directly with your accountant so everything is aligned – not fragmented across multiple advisers.
05
Priority, unlimited access for questions and decisions
You can contact me anytime – There are no additional fees when you call or message, and no limits on how often you reach out. Whether it's a major expense, a market drop, a new opportunity or a change in circumstances, you get clear advice without waiting weeks or booking a sales call.
