Leading Advice

When was your business founded?

Leading Advice was founded with the vision of providing clear, personalised, and trustworthy financial guidance to individuals, families, and small business owners across Australia. Our focus from the beginning has been to simplify financial planning and help clients achieve long-term financial confidence and security through tailored advice and ongoing support.

What guarantees or warranties do you offer, if any?

We do not offer guarantees or warranties on financial outcomes, as investment markets and economic conditions can change over time and are outside of anyones control. However, we do guarantee that our advice is provided with professionalism, integrity, and in your best interest. We are committed to transparent communication, careful planning, and ongoing support to help you make informed financial decisions with confidence.

What is your level of experience in this line of work?

Leading Advice is built on strong industry experience in financial planning and advisory services. Our team brings years of hands-on experience working with individuals, families, and small business clients across Australia. This experience allows us to understand a wide range of financial situations and provide practical, tailored strategies designed to support long-term financial growth, stability, and confidence.

What certifications, qualifications or awards has your business received?

Our financial advisers are fully qualified and hold relevant industry certifications required to provide professional financial advice in Australia. We continuously invest in ongoing professional development to stay up to date with regulatory standards and best practices. While we focus more on delivering consistent, high-quality client outcomes rather than awards, our priority is maintaining strong compliance, professionalism, and trust in every service we provide.

What is your fee structure like? Fixed fees? Hourly rates?

Our fee structure is flexible and depends on the type and level of financial advice required. In most cases, we offer **fixed fees** for specific financial planning services, so clients have clear upfront costs with no surprises. For more comprehensive or ongoing advice, we may use a **service-based or ongoing advice fee**, which is agreed in advance and clearly outlined before any work begins.

We focus on full transparency, ensuring you always understand what you are paying for and the value you will receive. We do not believe in hidden charges, and all fees are discussed and approved with you beforehand.

What are your current prices (fixed and variable)?

Our pricing is not one fixed amount, as it depends on the scope and complexity of the financial advice required.

For **fixed-fee services**, costs are agreed upfront before we begin any work, so you have complete clarity on what you will pay. These are typically used for specific advice areas such as retirement planning or investment strategy.

For **variable or ongoing services**, fees are structured based on the level of ongoing support, portfolio management, and review requirements. These are also clearly outlined in advance and tailored to your financial situation.

In all cases, we ensure full transparency so there are no hidden costs, and you always know exactly what is included in your service.

Are you a member of any professional / industry associations?

Yes, we maintain membership with relevant professional and industry bodies in the financial services sector in Australia. These affiliations help ensure we adhere to high standards of ethics, compliance, and ongoing professional development. We are committed to following best practices and staying accountable to industry regulations to provide clients with trustworthy and reliable financial advice.

What is your favourite thing about your job?

Our favourite part of the job is helping clients feel more confident and in control of their financial future. Seeing people achieve their goalswhether its planning for a comfortable retirement, growing their wealth, or reducing financial stressis what motivates us every day. Building long-term relationships and making a positive difference in our clients lives is truly the most rewarding aspect of what we do.

What are your payment terms and conditions? Do you offer payment plans? Afterpay? Interest-free terms?

Our payment terms are designed to be simple and transparent. Fees are generally agreed upfront before any work begins, and payment is typically required as per the service agreement provided to each client.

For larger or ongoing financial planning services, we may offer **structured payment options or installment arrangements**, depending on the scope of the work. This allows clients to manage costs more comfortably over time.

All payment terms are clearly explained and agreed upon in advance, so there are no surprises. At this stage, we do not offer Afterpay or third-party buy-now-pay-later services.

What makes you unique compared to your competitors?

What sets Leading Advice apart is our client-first, relationship-driven approach to financial planning. We dont believe in one-size-fits-all solutionsinstead, every strategy is tailored to individual goals, lifestyle, and long-term financial vision.

We also provide a **dedicated advisor for each client**, ensuring continuity, trust, and a deep understanding of your financial journey over time. Our advice is **holistic**, covering everything from investments and retirement planning to tax efficiency, insurance, and estate planning.

Transparency is another key differenceour fee structure and recommendations are always clearly explained upfront, with no hidden surprises. Most importantly, we focus on building long-term partnerships, not just one-time plans, so clients feel supported at every stage of their financial life.

What insurance do you hold, and what value are you covered for?

We maintain appropriate professional indemnity insurance as required for financial service providers in Australia. This insurance is designed to protect our clients and ensure we meet regulatory obligations while delivering financial advice.

The coverage is in line with industry standards for financial advisory practices, helping ensure that clients are protected in the unlikely event of an error or omission in the advice provided. Full details of our insurance coverage can be provided upon request.

How quickly can work be completed? What are your turnaround times? Do you offer same-day service?

Turnaround times depend on the type and complexity of the financial advice required. Simple consultations or initial discussions can often be arranged quickly, while more detailed financial plans or strategy documents typically take a few days to a couple of weeks to complete.

We always aim to work efficiently without compromising on quality, ensuring every recommendation is carefully tailored to your needs. In urgent situations, we do our best to prioritise requests and provide timely guidance where possible, but same-day completion is generally not guaranteed for full financial planning services.

Do you have a favourite client story you'd like to share?

One of our most rewarding experiences was working with a couple who felt uncertain about their retirement plans and werent sure if they had saved enough to maintain their desired lifestyle. After a detailed review of their superannuation, investments, and expenses, we developed a structured retirement strategy that improved their financial position and provided clear income planning for the future.

Over time, we helped them adjust their investments, optimise tax efficiency, and build confidence in their long-term security. Seeing them move from financial stress to peace of mindand being able to enjoy their retirement with clarity and confidencewas a truly fulfilling outcome for our team.

Do you have any special offers? Do you offer any bulk or volume discounts?

At Leading Advice, we focus on providing tailored financial solutions rather than standard promotional offers or bulk discounts. Because every clients financial situation and needs are unique, our fees are structured based on the scope and complexity of the advice required.

That said, for clients requiring ongoing or comprehensive financial planning services, we ensure our pricing remains fair and value-driven. In some cases, fee arrangements can be structured more efficiently for long-term advisory relationships, and this is always discussed transparently upfront.

Our priority is to deliver quality advice and long-term value rather than temporary discounts.