Whether you’re just starting out, building for the future, or looking forward to putting your feet up for a well-earned break.  Whatever stage of life you’re in – we can help you make the most of your finances.

Everyone’s different, of course, but there are some things our clients often confront that can have a significant impact on their finances. The case studies below are some examples of how we can help.

To find out how we might be able to help you, speak to an RI adviser today, and start making the most of life.

  • Joan and Frank

    Joan and Frank

     

    Long gone are the days when leaving a Will was a straight forward business. Joan and I both have children from previous marriages, so according to our financial adviser Adam, if we didn’t build a proper family succession plan, it could spell trouble. On top of everything else Joan’s son Jim has a bit of [...]

    more ›
     
  • Joseph

    Joseph’s story

     

    My parents have been seeing their financial adviser, Peter, for over twenty years now and they’ve always tried to encourage me to go see him to try and sort out my debt. I’ve never been bothered by it as I’m only 47 and I own a successful architectural firm and figure it’s only natural to [...]

    more ›
     
  • Susie

    Susie’s story

     

    I set-up my own boutique twenty years ago and have been contributing to superannuation since it came in 1992. Anyway I’m a bit of a control freak so needless to say I want to make the decisions on how I invest my superannuation. After all it’s my third biggest asset after my business and my [...]

    more ›
     
  • Joe and Marie

    Joe and Marie’s story

     

    Joe was really looking forward to retiring when he turned 65 and so was I. With three kids to raise and all his long hours at work, we’ve spent precious little time together these past twenty years. At last we’d be able to spend some quality time together. Of course, things don’t always turn out [...]

    more ›
     
  • Louise

    Louise’s story

     

    I’ve never been the type to worry about the future too much but when I turned 55 last year, it dawned on me that that this is the age people start retiring. Well I love my job and I’m certainly not ready to stop working yet but it’d be great to be in a position [...]

    more ›
     
  • Ted

    Ted’s story

     

    Pam and I are in our 70s now and both in pretty good health – a bit of luck and a bit of good management. I wish I could say the same about our two kids. One’s going through a nasty divorce and the other is battling heart disease. We’ve had the grandchildren here off [...]

    more ›
     
  • Barbara

    Barbara’s story

     

    I’m 76 now, but we began seeing our financial adviser David about 20 years ago when Jack and I started thinking about retirement. I am embarrassed to say it never really crossed our minds before that stage but as retirement loomed closer and closer, we realised we needed professional help to get ourselves on track. [...]

    more ›
     
  • Gordon

    Gordon’s story

     

    I’m 68 years old and retired from the bank about three years ago after 40 years of service. I originally had $320,000 in my allocated pension account but the global financial crises wiped more than 20% from my balance, leaving me with about $250,000. I’ve always been quite content with my lifestyle, drawing down $13,000 [...]

    more ›
     
  • Antonio

    Antonio’s story

     

    I’m pretty young and have a long way to go until I have to worry about retirement or any of that sort of thing so I’d never really thought about seeing a financial adviser. That is until a few years ago when I turned 32 and was offered a new job. The new role came with a [...]

    more ›
     
  • Michael

    Michael’s story

     

    On my 30th birthday my Dad and I went on a fishing trip. I got the surprise of my life when he pulled out a cheque for $20,000 cash and gave it to me. I was stoked – until he told me there were two conditions. He said I had to invest it, and I [...]

    more ›
     

Information on this page does not consider your personal circumstances and is general advice only. You should not act on the information provided without first obtaining professional financial advice specific to your circumstances. Past performance is not a reliable indicator of future performance.

What is financial advice?

Financial advice, financial planning, investment planning or wealth management? Whatever you call, it, at its heart, good financial advice is all about making the most of life – helping you to decide what you want to achieve and setting the financial strategies to help you do it.

Everyone has different goals in life, but for most of us, finances play an important role in reaching them. That’s where we can help. Your adviser will guide you by:

  • helping you identify your personal goals, such as an early retirement, travelling or building funds for your children’s education
  • developing strategies for saving, investing to meet your goals, and contingency plans to help protect you against life’s hazards along the way
  • help keeping you on track by regularly reviewing your direction and making adjustments as required.

How do I pay for financial advice?

Our preferred method of payment is a fee for service basis. Your adviser will explain, and agree with you, any fees and payment options before providing advice and services to you.

The cost of our advice and services may include charges for preparing and implementing our initial advice, and may also include charges for ongoing advice and services.

The actual costs will be shown in our written advice to you. You may choose to pay fees directly to Firefly Wealth or, where possible, they may be deducted from your product.

You can find out more about how we get paid in our Financial Services and Credit Guide.

What should I expect when I first meet with an adviser?

You do the talking and the adviser does the listening. The whole idea is to find out how we can help you. The first meeting is all about finding out what’s important to you and where you’d like to go.

Your adviser will help you to identify what’s most important in your life so that they can start to plan to get you there. They’ll also explain what the process will be, how long it will take and what information will be needed so you can decide if you’d like to go ahead. All fees and charges are outlined up front, so if you do decide to go ahead you know how much it will cost.

What happens after the first meeting?

The next step is to develop a strategy to suit your particular situation and goals, which will be presented to you in a written Statement of Advice.

Your adviser will explain the Statement of Advice to you, and you can ask any questions you have and clarify the details. Once you’re comfortable to go ahead, you instruct your adviser to implement your strategy.

Once the strategy and plans are in place, your adviser can put a review period in place to keep an eye on the progress and adapt your plans for any changes in your circumstances.

Why should I pay for financial advice?

While many people can manage their day to day money issues, reaching your financial goals requires you to make a number of important decisions.

For starters, will you invest in shares or property, fixed interest or cash? Where should you invest – buy shares directly or through a managed fund? And should you put your money into Australian or international investments? The raft of questions can be quite daunting, and that’s only the start of it.

There’s also the matter of your superannuation, tax, and how to protect yourself against financial misfortune. Not to mention getting the most out of government benefits and estate planning.

These are all complex issues, which is precisely why many Australians see a financial adviser. They can apply their experience and expertise to help you make the tough decisions and integrate the different aspects of your finances into one plan.

Many people also enjoy the peace of mind that comes from having a plan in place – the feeling that their finances are being taken care of, and that they’re heading in the right direction.

[Copy to be provided by the practice.]

You get the best of both worlds at Firefly Wealth. There's the confidence of knowing you're with one of the most well-known financial planning groups in Australia, Firefly Wealth, backed by the strength and resources of one of the country’s largest wealth management groups. And there's the comfort of dealing with our dedicated, local team, who pride themselves on quality service with a personal touch.

Our close connection with the community, combined with our access to leading research and technical teams, who work full-time to ensure the strategies we recommend are among the best in the field, means you can rest-assured your financial security is in good hands.

We help you make the most of your finances. Whatever stage of life you’re in.

We do this by considering your circumstances, helping you to set goals, and developing a financial plan to get you there. We can even do the leg work for you, giving you have more time to enjoy life.

At Firefly Wealth, we have the expertise, the experience and the resources to help you get wealth, grow it and keep it safe. Just as importantly, we can help you enjoy it. Because real wealth is about making the most of what you’ve got whatever stage of life you’re in.

We know financial advice is as much about lifestyle and relationships, as money – that’s why we pride ourselves on providing long-term, holistic advice, with our clients calling on us for financial advice time and time again as their circumstances change over the years.

Since we opened in 2013, Firefly Wealth has become a leading provider of financial advice.

We are part of Firefly Wealth, formerly RetireInvest, one of Australia's largest and longest-established financial advisory groups.

We aim to build enduring relationships with all our clients by providing quality services that meets their changing needs over life. It’s important to remember that continually reviewing your strategy is essential.

How Firefly Wealth works

How we will provide advice to you

1 First meeting
  • Getting to know you
  • Ensuring you understand the information we give you
  • Learning about your goals and objectives
  • Establishing which advice services you’ll require
2 Getting all the facts
  • Completing a profile of your personal and financial goals
  • Establishing the right level of risk for you
  • Developing a clear picture of your situation
3 Agreeing on the service
  • Issuing a letter of engagement
  • Discussing our services and making the costs involved clear
  • Agreement for us to prepare specific advice
4 Preparing the advice
  • Analysing possible strategies and options
  • Researching potential products and relevant legislation
  • Preparing our recommendations
5 Presenting the advice
  • Presenting our advice in a Statement of Advice (SoA)
  • Discussing the SoA and any Product Disclosure Statements
  • Answering your questions and ensuring you understand and are comfortable with our recommendations
6 Implementing
  • Getting your permission to proceed
  • Implementing the agreed strategy
  • Documenting administration
  • Placing your investments and taking out policies
  • Confirming your plan is in place
7 Ongoing review and service
  • Examining portfolio performance and recommending changes
  • Considering any new legislative opportunities or threats
  • Accessing our in-house investment research to guide ongoing investment decisions
  • Reviewing your financial situation, needs and objectives

Hear what our existing clients say about us.

Testimonial 2

Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Testimonial 3

Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Whether you’re just starting out, building for the future or looking forward to putting your feet up for a well-earned break - whatever stage of life you’re in - we can help you make the most of your finances.

Everyone's different, of course, but there are some things our clients often confront that can have a significant impact on their finances. View our case studies for some examples of how we can help.

To find out how we might be able to help you, speak to a financial adviser today, and start making the most of life.