Frequently asked questions

How much do financial advisors charge varies based on complexity. As of 2025, the median ongoing fee is ~$4,668/year. Source: Adviser Ratings 2025 Report & Media Update

Beyond the initial plan, how much is a finance advisor usually depends on the service level. Ongoing management often costs between 0.5% to 1.1% of assets. Source: Moneysmart – Financial Advice Costs

Peak Wealth Management offers a free initial discovery call to learn more about your current situation. If you will benefit from our expertise, you may be invited to become a client. While professional implementation is a paid service, the first step is at no cost to see if you are in a position that we can add significant value to.

Source: Peak Wealth Management

As holistic financial advisers, we act as your financial “project manager.” Our role covers Investment Advice, Superannuation Advice, Tax Minimisation, Cash Flow Management, Insurance Protection and more to ensure your entire financial puzzle fits together. Source: Moneysmart – Working with a Financial Adviser

Source: Peak Wealth Management Services

Wealth management combines financial planning with active portfolio growth. At Peak Wealth Management, this includes specialised Property Advice and strategic debt structuring to accelerate wealth creation.

Yes. We use modelling software to project future wealth and retirement scenarios, helping you visualise the impact of today’s choices on your long-term success. Planning tools include free tools like Moneysmart – Retirement Planner Tool

However, we host 1:1 dedicated sessions with our clients when they would like advanced modelling for detailed scenarios, which are more accurate based on real-world future planning.

Most benefit begins in the wealth accumulation phase (usually 30s–50s). This is a critical period to drive meaningful impact for your future. Peak Wealth Management provides tailored guidance, primarily starting with most of our clients at this exact stage of life. However, we have clients of all ages.

Advice is effective once you have stable income or assets to optimise, often starting around $100k+. Our Wealth Coach services can help you build this foundation.

Yes. Research shows advised clients see an annual value-add of ~5.7% through better strategy, tax planning, and behavioural coaching. Source: Russell Investments 2025 Value of an Adviser & Independent Financial Adviser

For high-net-worth individuals, the tax savings and improved asset performance often far outweigh the professional fees.

Absolutely. $500,000 is a significant threshold where professional wealth advisors add immense value through diversification and tax-effective super strategies.

Red flags include vague fees, high-pressure sales tactics, pushing “in-house” products that don’t suit your needs (e.g., for commission), or if an adviser is not taking the time to take in your financial situation. Always ensure they are listed on the ASIC Financial Advisers Register.

Source: ASIC – Financial Advisers Register

The main disadvantage is the cost, which must be weighed against the potential ROI. However, the “outside benefits”, such as tax minimisation, behavioural coaching, and structural optimisation are often way more valuable than the fee itself. We only invite people to become clients if we believe we can make an impactful difference that justifies our service. Sources: Peak Wealth Management Case Studies & Moneysmart – Financial Advice