Discovery & strategy

We have a structured process for initial engagements. These may involve;

1. Informal phone call, for which there is no charge
2. A 45-minute financial health discussion via Teams - $150 (incl. GST)
3. A structured planning workshop, around 90 mins in person - $300 (incl. GST)

A planning workshop is a structured opportunity to;

1. Ask the right questions to get a picture of your financial situation and where you are today.
2. Understand your goals for the future. And then discuss which goals are most realistic and your priorities.
3. Explore strategy pathways and actions that align you to your goals and then discuss how comfortable you are with those actions.

You will receive an 'engagement letter' following the discovery process in the event further advice services were of value to you.

Financial planning

The cost of a Financial Plan will be clearly stated in the ‘engagement letter’. To give you a guide, a financial planning fee ranges from $2,200 - $6,600 (incl. GST).

Personal insurance

We assist you with the advice and implementation of life, total and permanent disability (TPD), trauma and income protection insurances. There is no direct cost in supporting this advice. Upon successful placement of insurances that meets your needs and objectives, our business is paid by the insurer.

Wealth management

We provide professionally managed investment services. This service, leveraging smart technology from a leading financial institution, delivers efficient and transparent administrative, reporting and investment outcomes. Snowgum wealth management services are costed on a sliding scale of funds under management as follows:

1. 0.66% per annum up to $1 million; then
2. 0.44% per annum from $1-2 million; then
3. 0.22% per annum from $2-3 million.
4. 0.00% > $3 million.

Snowgum costs do not accrue against cash, term deposits or off-market investments. Costs outlined are inclusive of GST.

A cost-efficient administration fee is levied by a partnering custodial and administrative institution. This is outlined prior to commencing any wealth management service. Supplimentary investment accounts will be costed at a 50% rate to the above.

Debt services

We can assist with your complex private banking needs. There is no direct cost in arranging finance as we receive brokerage upon establishment of a loan/finance facility. If your needs are less complex, it may be suitable to work in partnership with an external mortgage broker.