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Our free 30min Intro Call is the best way to see if we'll be a match. Prepare your grilling questions for us and come expecting to learn something, and get clearer on what's next for you. During our call, we'll help you to identify the best next step - whether that's our powerful discovery process, a one-off service, our DIY resources, or a referral we can put you in touch with.
Our Discovery Process has delivered amazing outcomes for every client we've taken through it. But we sometimes recommend completing certain tasks, or engaging in case-specific coaching before moving to the Discovery Process, especially when you have an all-consuming, burning problem in your life. We'll help you decide if our Discovery Process is right for you at our free 30min Intro Call.
Coaching is about 'empowering' you to make your own decisions; advice is about 'telling' you specifically what to do. We're great believers in empowerment through coaching & education as we've found it produces the best long-lasting results. However, from time to time you'll find a stronger need for specific financial advice, like when you're low on time, energy and bandwidth, or when we're discussing a topic that leaves you feeling out of your depth.
No matter how we support you, as a coach, as an adviser or as both, we ensure we gain your informed consent before we do anything for you or help you take any action. It's vital that you know what you're doing and why you're doing it whenever you're making important life decisions, and we're your trusted guide each step of the way.
We offer a range of services and ensure we have a solution for all levels of affordability:
For more details about our pricing, download our "PA Services Guide".
You might be able to pay a portion or the entirety of your financial advice or ongoing services fees to us out of your superannuation balance.
There are strict rules which govern whether this is possible to pay financial advice fees from super, and also about how much might be allowed for any particular service. This will depend largely on how much of our advice relates to planning for your retirement. This is referred to as the “Sole Purpose Test”. It's important to note that some super funds don’t allow payments to be made from you super balance to cover the cost of advice fees even if it the law says it's possible. We can’t guarantee whether this will be possible until we get to know more about your situation and we determine what you would like us to do for you.
We're open to discuss any financial opportunity you come across, and we'll help you assess it on it's merits. Additionally, we're licensed to provide formal recommendations on most structured investment products. The common investments our clients are interested in include robo-advice products, direct shares, ETFs, managed funds, bonds, peer-to-peer lending, term deposits, cash, business opportunities and of course, property.
Any financial recommendations we give are approved by our licensee, Cobalt Advisers. Cobalt keeps an "Approved Product Listing" (APL) of financial products which we can be confident to recommend at any time. If we provide advice on a product outside of this list, we are responsible for carrying our appropriate due diligence to Cobalt's satisfaction.
Yes, we can. Some of our clients want us to tell them exactly where and how to invest their money. Others use us more as a sounding board for their decisions. Either way, we don't take commissions from any specific recommendations or referrals we make.
Our financial recommendations will be outlined for you in a detailed Statement of Advice (SOA) document. If and when you agree to our recommendations, we'll assist you to implement and changes required, both initially and ongoing, if desired.
Yes. Along with your personal and short term goals, we guide you to consider and plan for your long term wealth creation (super) and personal insurances (risk management). Any recommendations we provide relating to your super or insurances will form part of our Statement of Advice (SOA) document we provide to you.
Our financial product research is based on our own personal investment experience, the advice & experience of investing experts who we follow and the investment product recommendations of various Australian research houses, including Morningstar and Lonsec. Anything investment which Lonsec classes as “Recommended” or better is immediately included in our Approved Product List (APL). For products not on this list, we draw from a range of other sources, including Morningstar, ASIC, APRA and our various professional partners.
We lean a well-devised set of principles which underpin all of our investment advice. We believe the following:
Our team are skilled financial advisers, coaches & educators. We love to partner with our clients for the long term to help them live their most fulfilled lives. We do this by providing an ongoing relationship to guide and supporting you to make better and better decisions as you work towards your goals.
See more information on our ongoing services here.
The core and possibly the most useful aspect of our ongoing service is our regular check-ins and our 2hr annual Life & Wealth Review meeting. Similar to our Discovery Meetings, we help you complete a 360° audit of your life satisfaction & wellbeing, review your financial position for opportunities and risks, and track your progress against your vision and goals. By the end of your Life & Wealth Review you’ll feel freshly confident about where you stand, where you’re headed and specifically what action to focus on.
If we're honest with ourselves, it's hard to know what we really want in life and it's even harder to know what we actually need to do to live our best life.
The majority of people who reach out to us:
Sound familiar?
Here are some things that set us apart from other professionals:
Whether you've worked with a financial adviser or not, and whether it was a good experience or not, we believe you'll find us refreshingly unique. How?
We've intentionally built Purpose Advisory to be a service which anyone would want or use and benefit from, from fresh graduates right through to seasoned professionals!
Our discovery process is about identifying your goals and objectives, so that we can tailor our services around you. You get to build your own personalised service package to suit your needs, choosing from our wide range of "one-off" and "ongoing" services to accommodate each of the unique life situations you might find yourself in.
One of the most common things we hear back from our clients is that we've helped them feel more confident and more excited about their life and finances. We believe that clarity breeds confidence and confidence fuels great results, so we focus on delivering the information you need to make great, well-thought through and confident life and financial decisions.
Interested to see how we can help you?