How pricing works
Pricing is based on the complexity of your situation and the scale of your needs.
Note: Separate packages exist for wholesale or sophisticated investors, starting from $2.5M net worth and above.
Which tier am I?
Foundation
Straightforward finances; no legal complexities; predictable income(s), and stable life stage.
Comprehensive
Several goals to balance, entity structuring, coordination across several moving parts, transitional life stages.
Specialised
Specialist advice regarding legal entities, key events, leadership and coordination of stakeholders.
Which tier am I?
Maintain
Life is stable and you like to keep things simple, you need your investments to be consistently working for you and an occasional check-in is enough.
Optimise
You are in a key life stage or have sufficient complexity where you need both strategic and tactical advice at different times throughout the year.
Steward
You have complex structures or products, paired with high-stakes decisions. You need a constant and steady hand to act as a vigilant steward.
Have questions about our pricing structure?
We have the answers! If you don't find what you need here, you can always get in touch, we'd be happy to assist.
Pricing
If new needs appear (e.g. a new entity, equity plan, or property purchase), we’ll confirm whether the current tier still fits, and quote any change before work continues.
After we have discussed your needs and goals, and built an understanding of your situation; we will sit down with you and talk through what we have in mind generally.
We don’t take commissions on investment or superannuation advice/products. For insurance-only advice we can charge a fixed fee or be remunerated directly from the insurer via a commission.
In short, anything we can do for you, we do for you, all in line with the plan we have provided and the steps we’ve agreed to take together.
Yes, as life and your needs change, our role changes. We’ll review and recommend the right level at each review point.
We don’t discount our fees because:
- We don’t want you to feel like you should ask, and many of our clients aren’t good at speaking up and asking. Our advice fees are carefully designed around the needs of our clients, not around the negotiating skills of our clients.
- Negotiating on fees is time (and a lot of emotional energy) taken away from doing what we love, helping people to make smart money decisions.
- Keeping our fees consistent enables us to run even smoother operations, which again means more time focused on the important stuff.
What this means for you is, you don’t have to ask, as we’ll deliver the best option for you just as we would for anyone else.
Regardless, if you have been reading this page and you aren’t sure you’re being charged correctly or your ongoing fee tier needs a review, then please call us to discuss.
Absolutely! That’s how our work always starts. A no obligation chat with an expert adviser which you can book below.
If it doesn’t sound like you need personalised advice, we do offer a Financial Clarity Session. This is a 1:1 session with an adviser, which can provide education, general advice (not personalised to your circumstances), and may serve as a guide to the right direction for you now. You can schedule a Financial Clarity Session here, or contact us if you’re unsure.
We collaborate with your accountant, solicitor and mortgage brokers so everyone is on the same page and helping you move forward.
Lume Wealth is a Brisbane financial advisor offering tailored financial guidance for individuals going through separation or divorce. We help you navigate property settlement, split super and investments, budgeting, and planning your optimal future financial life post-divorce. Our compassionate experts assist you in structuring finances to protect your interests and support your goals during this transition.
Whether you need negotiation coaching or ongoing advice, Lume Wealth develops comprehensive financial strategies so you can move forward with confidence.
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