Our fees are always clear and transparent.
Financial advice should be clear before you commit, including the cost.
At EEA Advisory, we explain our fees before we provide advice or begin any work you will be charged for. The fee you pay depends on the complexity of your circumstances, the scope of advice, and the level of service you need.
You will always have the opportunity to understand the cost, ask questions, and decide whether to proceed.
Clear financial planning fees, explained before advice begins.
Our fees are tailored to each client's individual situation. They are based on the level of advice required, the complexity of your circumstances, your goals, and the scope of work involved.
Before we provide advice or begin any chargeable work, we will explain the fee, how it has been calculated, and what service it covers. You will have the opportunity to ask questions before deciding whether to proceed.
In some cases, fees may be fixed. In others, they may be based on hourly work, a percentage of invested funds, or a combination of these methods. Where borrowed funds are used to invest, percentage-based advice fees are not charged on the borrowed amount.
Breaking down our fees.
We will explain your fees before you proceed. The exact amount depends on the advice you need, the complexity of your situation, and the service arrangement you agree to.
- 01
Advice Preparation and Implementation Fees
These fees cover the preparation and implementation of personal financial advice — for example, when we prepare a Statement of Advice and help implement the agreed recommendations.
Indicative fee range$2,200 – $22,000including GST - 02
Supplementary Service Fees
These fees may apply for additional services such as research material, administrative work, or other agreed support.
Indicative hourly rate$440 / hourincluding GST - 03
Ongoing and Fixed-Term Service Fees
These fees apply when you agree to receive ongoing or fixed-term advice services under a Client Service Arrangement. The services, fee, and review structure will be agreed with you before the arrangement begins.
Indicative fee range$2,200 – $22,000including GST · maximum 2.5% - 04
Non-Advised Transaction Fees
If we assist you on an execution-only basis, where you have been offered and declined advice, a non-advised transaction fee may apply.
Indicative hourly rate$440 / hourincluding GST
Important things to know about our fees.
- Our fees are agreed before advice is provided.
- The actual fee depends on your circumstances, goals, and the scope of advice.
- Fees may be higher than the indicative range if mutually agreed.
- All fees listed above are inclusive of GST.
- You may pay advice fees directly or, where available, from an eligible financial product.
- If the cost cannot be confirmed at the start, we will explain how it is calculated and provide an estimate.
- If borrowed funds are used to invest, we do not charge percentage-based fees on the borrowed amount.
How we add value.
Financial advice is not only about selecting products or preparing documents. It is about helping you make better decisions with more clarity, structure, and confidence.
The value of advice can come from understanding your full position, identifying risks, avoiding mistakes, creating a clear strategy, and helping you stay on track as life changes.
- Clarifying financial goals and priorities
- Creating a strategy across superannuation, investments, insurance, debt, tax considerations, and retirement planning
- Helping avoid rushed or emotional decisions
- Explaining trade-offs clearly before you act
- Reviewing your strategy as life, markets, and legislation change
- Helping keep your financial plan organised and accountable
- Coordinating with other professionals where appropriate
- Supporting long-term decision-making, not one-off transactions
What the research says.
Many people seek financial advice because they want more than information. They want structure, guidance, accountability, and help making decisions that affect their future.
Professional advice may help clients feel clearer about their financial position, make more informed decisions, understand their options and trade-offs, and stay accountable to a long-term strategy.
The value of advice is personal. For some clients, it may come from investment strategy. For others, it may come from retirement planning, insurance, superannuation, estate planning conversations, or simply having a clear plan.
- Feel clearer about their financial position
- Make more informed decisions
- Understand their options and trade-offs
- Build confidence around retirement and long-term planning
- Stay accountable to their strategy
- Avoid decisions driven only by short-term market noise
Is financial advice for you?
Financial advice may be useful when your decisions start to feel more connected, more complex, or more important.
You may benefit from advice if you are trying to understand your superannuation, prepare for retirement, invest with more structure, protect your income, manage debt, plan for your family, or make better long-term financial decisions.
You do not need to know exactly what advice you need before speaking with us. We can help you understand your options and whether advice may be suitable.
- Building a financial plan
- Reviewing your superannuation
- Investing with more structure
- Protecting your income and family
- Planning for retirement
- Understanding insurance options
- Managing debt and cash flow
- Making tax-aware financial decisions
- Receiving an inheritance or lump sum
- Planning for your family's future
How insurance commissions work.
Where we provide advice about life insurance products, we may receive commissions from the product issuer.
These commissions are not paid directly by you. They are built into the cost of the insurance product. If we charge you a financial planning advice fee, we may rebate some or all of the commission to you.
If your insurance premium was $1,000, the initial commission may be up to $660, and the ongoing commission may be up to $330 per year. Any applicable commissions will be disclosed to you before you proceed.
Referral fees and other payments.
In some cases, referral arrangements may apply. If you are referred to us by a third party, a referral fee or benefit may be paid. If we refer you to another professional service provider, we may receive a referral fee or benefit.
Any referral arrangements that apply to you will be disclosed in your advice documents. AIA Health may pay a referral fee of 20% of the client's first year's premium where applicable.
We will only refer you to third-party professionals where we believe it is in your best interests to do so.
What you receive before making decisions.
When we provide financial advice, you may receive documents that explain the advice, the reason for the advice, the costs, and any relevant product information.
- 01
Statement of Advice
If we provide personal advice tailored to your circumstances, you will receive a Statement of Advice. This explains the advice, why it is suitable, and any fees, commissions, or benefits that apply.
- 02
Record of Advice
If you have already received a Statement of Advice and further advice is provided later, you may receive a Record of Advice — a shorter document covering the latest recommendations.
- 03
Product Disclosure Statement
If a financial product is recommended, you may receive a Product Disclosure Statement or a link to access it. This explains the product's features, fees, benefits, and risks.
Our fee transparency promise.
We believe clients should understand the cost of advice before they proceed.
- We explain our fees before chargeable work begins
- We outline what the fee covers
- We confirm the agreed fee before advice is provided
- We disclose commissions and referral arrangements where they apply
- We answer questions about cost before you decide
- We do not charge percentage-based fees on borrowed funds used to invest
- We provide advice documents that explain relevant fees and remuneration
Frequently asked questions about financial planning fees.
Quick answers to the questions we hear most. If yours isn't here, we'll cover it on the call.
You can book an initial consultation to discuss your situation and whether advice may be suitable. If any fee applies before advice is prepared, we will explain this before you proceed.
The cost depends on your circumstances, goals, and the scope of advice. Indicative advice preparation and implementation fees range from $2,200 to $22,000 including GST.
Fees vary because some clients need simple advice on one area, while others need advice across superannuation, investments, insurance, retirement, tax considerations, estate planning conversations, business interests, or complex structures.
Yes. We will discuss and agree the fee with you before providing advice or beginning chargeable work.
An ongoing or fixed-term service fee applies when you agree to receive ongoing advice, reviews, and support under a Client Service Arrangement. The services and fees will be agreed with you before the arrangement begins.
In some cases, you may be able to pay advice fees directly or from an eligible financial product. We will explain your options before you proceed.
Where we provide advice about life insurance products, we may receive commission from the insurer. Any applicable commissions will be disclosed to you.
No. Insurance commissions are built into the cost of the insurance product. They are not paid directly by you as a separate fee.
Where borrowed funds are used to invest, including where we recommend borrowing to invest, percentage-based advice fees are not charged on the borrowed amount.
Fees, commissions, and relevant remuneration will be disclosed in your advice documents, such as your Statement of Advice or other relevant service agreement.
Yes. The indicative fees listed in the FSG are inclusive of GST.
Know the cost before you commit.
Start with a conversation about your goals, your advice needs, and the level of service that may be suitable. We will explain the fee before you decide whether to proceed.
Understand what to expect before getting advice.
Get a simple guide to financial planning fees, advice documents, insurance commissions, and questions to ask before engaging an adviser.
- How advice fees are structured
- What's included in a Statement of Advice
- How insurance commissions work
- Questions to ask any adviser before you engage
- What an ongoing service fee covers
“Financial advice should never feel unclear. Before you proceed, you should understand what advice you are receiving, what it costs, how we are paid, and what value the service is designed to provide.”