Know Exactly Where You Stand — Now and at Retirement

A clear, long-term financial plan tailored to your super, investments and structures.

So you know exactly what you can spend, what you'll need — and how to stay on track without the stress.

How it works

A straightforward process from first conversation to complete clarity.

01 No cost

Clarity call

A short call to understand your situation and what you're trying to work out. No obligation — it's a chance for both of us to decide if it makes sense to work together.

02 No cost

First meeting

We go through your full situation in detail — super, investments, income, goals and what retirement actually looks like for you. This is where we get everything on the table.

03

No cost

High level overview

Before anything is formalised, I show you a high level view of the strategy and what the outcomes could look like for your situation. You get a clear picture of the direction before you decide whether to proceed. No pressure, no obligation.

04

Design fees apply

You decide to go ahead - full plan written

If you're happy with the direction, I write your detailed financial plan — a complete, written strategy tailored to your goals. If anything needs adjusting along the way, we work through it together at no extra cost until you're completely happy with how everything fits your life.

05

Implementation fee applies

Plan implemented

Once you're satisfied with the plan, everything is put into action — accounts set up, capital allocated, products arranged. This is where the strategy moves from paper to reality.

06

Ongoing support begins

Ongoing support - if you choose

Once everything is fully implemented, ongoing support begins — but only if you decide it's right for you. There's no pressure to continue. Most clients choose to stay because having someone in their corner as life evolves makes everything easier.

Simple, transparent pricing

Three phases of work, each charged separately and clearly explained before you commit to anything.

Phase 1 - Design

Initial Financial Plan

Your written financial plan — a clear, detailed strategy covering your super, investments, structures and retirement. Fixed fee based on your situation. No hourly rates, no surprises.

– Single: $3,300

– Couple: $4,997

– Single + SMSF or trust: $5,790

– Couple + SMSF or trust: $7,487

- Additional entities beyond two are included at no extra cost.

Phase 2 - Implementation

Getting Everything Set Up

Once your plan is agreed, this covers the work of bringing it to life — implementing your strategies, establishing accounts, coordinating with institutions and allocating your capital. A flat fee plus a small percentage of the capital being invested, reflecting the expertise, work and responsibility involved.

– Flat Fee (everyone): $2,500

– Plus percentage of capital invested: 0.33%

Example — single person investing $500,000:

$2,500 flat + $1,650 (0.33% of $500k) = $4,150 implementation fee

Total for plan + implementation: $7,450

Example — couple investing $800,000:

$2,500 flat + $2,640 (0.33% of $800k) = $5,140 implementation fee

Total for plan + implementation: $10,137

The implementation fee is outlined in writing in your Statement of Advice before you commit to anything.

Phase 3 - Ongoing Support

Ongoing Support — for people who want clarity year after year

Most clients choose to continue with ongoing support because their financial life doesn’t stand still.

Markets move, laws change, goals evolve — and having someone in your corner makes everything easier.

Ongoing Support Fees

– First Person: $424/month

– Per person (couple): $283/month each

– Add SMSF (per entity): $100/month each

– Add Trust (per entity): $100/month each

Ongoing support begins once your plan is fully implemented. You can cancel at any time — but most clients choose to stay because it provides peace of mind and keeps everything on track as life evolves.

Flexible payment options

You can pay your fees from super, investments, cashflow, or a combination — whichever works best for your situation.

With ongoing support, you receive:

01 Annual strategy refresh & retirement projections

Your plan is re-modelled each year – or when required – so you always know:

– whether you're still on track,

– when adjustments need to be made,

– and what you can safely spend.

02 Investment oversight & portfolio reviews

I monitor your super and investment strategy so it stays aligned with your goals – not markets, headlines of hype.

03 Tax-aware structuring throughout the year

Guidance around contributions, withdrawals, capital gains and entity decisions so you keep more of what you earn.

04 Coordination with your accountant and other professionals

I work directly with your accountant so everything is aligned – not fragmented across multiple advisers.

05 Priority, unlimited access for questions and decisions

You can contact me anytime – there is no cost to call or message, and no limits on how often you reach out.

Whether it's a major expense, a market drop, a new opportunity or a change in circumstances, you get clear advice without waiting weeks or booking a sales call.

Not ready to commit yet?

Stay in the loop while you think it over. Get calm, practical money tips, retirement insights and examples of strategies delivered to your inbox.

– No spam, no daily pitches

– Occasional emails with simple, actionable ideas

– You can unsubscribe any time

EmailPlease enter your EmailPlease enter a valid Email

First NamePlease enter your First NamePlease enter a valid First Name

If you are human, leave this blank.

No obligation. Just useful ideas while you think it over.

This website is published by James Beard (No 464406) and Saint FinancialPlanning Pty Ltd (No 1274834) are Authorised Representatives of Synchron(ABN 33 007 207 650) AFS Licence No. 243313.