Services & Pricing
Our Services
At Amber Wealth, we believe an effective plan is clean and actionable. When you work with us, we create a financial plan that addresses every aspect of your financial journey and clearly defines your path to success.
FINANCIAL PLANNING
Financial planning is the foundation of your financial success and it all begins here! We help you explore your lifestyle goals and dreams before providing you with a tailored financial plan to meet them.
We help you understand your financial strengths and weaknesses and cash flow by creating income and expense documents. We then show you how to save by helping you align your present choices and future lifestyle with your desired financial success - it’s not always easy, but it is certainly possible.
Finally, we help you prioritise and make the right decisions, keeping in mind your values and what is important to you. Our ongoing reviews will ensure you are on the right path to your financial success.
RETIREMENT PLANNING
Retirement is not an event. It’s a phase in life. We help you understand and prioritise your retirement plans, options, pensions and other retirement savings. We then analyse multiple outcomes to create the most tax-efficient strategy to meet your unique goals.
Through our advanced planning process, we analyse your current and future finances, assets, income and expenses, and help you get on track towards maximising your savings.
This process will help us determine the best use of your financial resources.
ESTATE PLANNING
Protect your legacy and ensure your estate plans align with your wishes for the future. We help you plan to meet your personal and family needs by reviewing your existing estate documents and agreements and help you understand the role of trustees, executors and beneficiaries.
We help you create an efficient transfer of wealth by identifying the impact of current asset ownership, and ensuring your assets are titled as detailed in legal documents. We also provide charitable and gifting strategy advice to help you meet your legacy wishes.
LIFE TRANSITIONS
When you experience unexpected financial changes due to divorce or the death of a loved one, a financial advisor can help ensure your assets are allocated to meet your current goals and invested for your long-term objectives.
Unexpected wealth requires a carefully planned strategy and we act as your guide to help prepare you to take action. We assist in creating a team of specialists to assess, guide and implement recommendations to create peace of mind.
INVESTMENT MANAGEMENT
A solid investment strategy is essential for meeting your financial goals.
Remaining invested during market fluctuations can be difficult if your portfolio is not aligned with your psychological risk tolerance. We help you overcome this ‘behaviour gap’ by integrating your risk tolerance with your short, medium and longer-term goals.
Our portfolios are well-diversified, using low-cost and no-load investments and our preferred investment choices are low-cost managed funds, exchange-traded funds and individual bonds, as appropriate. We are fee-only; we do not receive commissions from the investments we select for you.
TAX PLANNING
Your tax return is your financial X-ray; it provides insight into your financial life.
We evaluate the tax impact of financial life decisions such as asset sales, gifts and transfers and then recommend strategies that consider both current and future tax implications.
How Much Does It Cost?
Comprehensive Financial Planning With Investment Management
The Different Fee Types – Implementation & Ongoing Fees
Our financial planning fee structure is generally different for each client, however is typically broken down into two elements – upfront fees and implementation/ongoing fees. These two sections of your financial plan are equally important, and the advice fees depend on what service you require based on the point system.
The Upfront Fees
We will handle the implementation to ensure your financial plan is actioned, which may include setting up accounts, investing in different products, changing or establishing superannuation funds, purchasing an investment property or adjusting your insurance cover.
The Implementation & Ongoing Advisor Service Fees
There is an ongoing cost associated with the responsibility of maintaining your financial world, and it is something we do not take lightly. The ongoing costs of our services are on a per-annum basis that is billed monthly. Our clients have the option to extend our services at the end of each twelve-month period. In some scenarios, the cost of our services can be taken out of your super/investments.
These financial planning fees allow us to ensure that we are:
- Continually monitoring, adapting, evolving and adjusting to any legislative or market changes, as well as any changes to your circumstances
- Meeting with you regularly to ensure you are on track to achieving your financial goals
- Adjusting your strategy as you reach financial milestones throughout your journey
- Always available for your questions or to assist with financial decisions you need to make
- Ongoing investing, portfolio & wealth management
As part of our ongoing service, we implement as much of your plan as we are able to. If, on the rare occurrence, there are elements we can’t implement ourselves, we will refer you to one of our trusted partners, and we will be with you every step of the way. We won’t charge you for a service we aren’t providing you.