How it works

A simple, structured process — no surprises.

From the first chat to ongoing reviews, here's exactly how we work together. Five clear steps, transparent fees, and you're in control of every decision along the way.

Discovery is complimentary Fees agreed in writing before any work begins
01
Complimentary ~45–60 minutes

Discovery chat

A relaxed, no-obligation conversation to understand what's on your mind, where you are now, and what a great outcome would look like for you.

What we cover
  • What's prompting you to seek advice now
  • Your family, work and lifestyle situation
  • Money goals — short, medium and long-term
  • What you've already tried (and what hasn't worked)
  • How we'd work together if you decide to engage us
What you bring
  • Just yourself (and your partner if relevant)
  • Any questions you'd like answered
  • No documents required at this stage

By the end: You'll know whether we're the right fit, what advice could be valuable for you, and what it would cost. There's no pressure to proceed — and no fee for this meeting.

02
Fee agreed before we start 2–3 weeks

Fact find & strategy development

If you decide to proceed, we go deep — gathering the full picture of your finances, modelling scenarios, and designing a strategy tailored to your goals.

What we do
  • Full fact-find: income, assets, debts, super, insurance, family
  • Risk profile and goals workshop
  • Research products and strategies across the market
  • Build cashflow, super and retirement projections
  • Stress-test the plan against different scenarios
What you bring
  • Recent payslips and tax return
  • Super statements and existing insurance policies
  • List of assets, debts and any investments
  • We'll send a clear checklist — no scrambling required

Behind the scenes: Most of the heavy lifting happens here. You'll hear from us along the way, but the bulk of the work is us researching and modelling so the recommendations we present are properly thought through.

03
Plain English ~90 minutes

Statement of Advice presentation

We sit down together and walk you through your written Statement of Advice (SoA) — the document that sets out what we recommend, why, and what it'll cost.

What you'll receive
  • A written Statement of Advice (your formal advice document)
  • Clear recommendations across each area covered
  • Projections showing the expected impact
  • All fees and any product costs clearly itemised
  • Alternatives considered — and why we recommend what we do
How it runs
  • We walk through it together, page by page
  • Ask anything — there are no silly questions
  • Take it home, sit with it, talk to your partner
  • Nothing is implemented until you sign off

You're always in control: The SoA is a recommendation, not a decision. You can accept it as-is, ask us to adjust it, or take it away to think about. No pressure either way.

04
We do the heavy lifting 4–8 weeks

Implementation

Once you give the green light, we get to work — applying for insurance, rolling over super, opening accounts, and coordinating with your accountant or mortgage broker where needed.

What we handle
  • Insurance applications and underwriting
  • Super consolidation and rollover paperwork
  • Investment account setup
  • Beneficiary nominations and contribution setup
  • Coordination with your accountant, broker, lawyer
What you do
  • Sign forms (we walk you through every one)
  • Complete any insurance medical questions if needed
  • That's it — we drive everything else

You'll always know where things stand: Regular updates on what's been actioned, what's pending, and what's next. No mystery, no chasing.

05
Included in your service plan Annually + as life changes

Ongoing review & partnership

Life changes — markets move, rules change, kids arrive, jobs shift. Your strategy needs to keep pace. That's what ongoing reviews are for.

Each year we
  • Review progress against your goals
  • Refresh projections with current numbers
  • Adjust strategy for any life or legislative changes
  • Optimise contributions before EOFY
  • Rebalance investments and review insurance
Plus, between reviews
  • Reach out anytime for ad-hoc questions
  • Proactive contact when rules or markets shift
  • Quick check-ins for any major life event
  • You're never on your own with a decision

This is where the real value compounds: The plan we build is the foundation — but it's the ongoing partnership that turns it into long-term outcomes.

Indicative fees

Transparent, agreed in writing before any work begins

Every fee is fully disclosed in your Statement of Advice — and we'll never proceed without your written authorisation. The figures below are indicative only; your actual fee depends on the complexity of your situation and is set in your formal engagement.

Step 01

Discovery meeting

Complimentary

Initial conversation to see if we're a fit. No fee, no obligation.

Steps 02–04

Statement of Advice & implementation

$1,800 – $10,000

One-off fee, scoped to the complexity of your advice. Confirmed in writing before we start. Waived if your advice is insurance-only and you proceed.

Step 05

Ongoing service plans

From $2,200 / year

Three tiers — Essential, Growth and Wealth Mastery — chosen to match the complexity of your plan and how often you want us in your corner.

All fees inclusive of GST. Insurance advice is generally remunerated through commission paid by the insurer rather than a separate fee — we'll always disclose this clearly. Full fee schedule and details are available in our Financial Services Guide.

What makes it work

Three principles behind every engagement

You're never sold to

No product targets, no commissions driving recommendations. Our advice is what's right for you — full stop.

Tax-aware everything

An accounting brain on every recommendation — insurance through super, contribution timing, structure choices.

It's a relationship, not a transaction

Most of our clients are still with us years later. The annual review is where the real value compounds.

Free download

The Working with Art Wealth pack

Our full process, indicative fees and answers to the most common questions — all in one PDF you can take away and read at your own pace. Ideal if you'd like to share it with your partner before booking a chat.

Download the pack (PDF)

Ready for step one?

Book a complimentary discovery chat. No paperwork, no pressure — just a conversation to see what's possible.

Book your discovery chat