How we help you
Your advisers at Advice4me believe that everyone has unique financial needs and goals, and our role as a financial planners is to understand your specific situation and help you achieve your objectives. Whether you’re looking to build wealth, save for retirement, or protect your assets, your advisers are here to provide guidance and support.
We won’t try to convince you that you need our help, because we trust that you know your financial situation best. However, if you do decide that you want to take control of your financial future, your Advice4me advisers are ready to listen and work with you to create a personalised plan that meets your needs.
Take control of your finances
A4m provides clients with a secure app and portal. You can use this portal to keep track of your finances, create a budget or even store your tax receipts, wills and insurance documents.
A4m provides clients with this app free of cost. The app can also be used to correspond with your Adviser and to track advice discussions in a secure, reliable format.
Access our free financial app and portal now
To access your free version of the app, please either email us at planners@a4m.com.au or complete the request form below.
Upgrade to our Pro version
For those looking to turbo-charge their finances and planning efforts, we offer a Pro version of the app that updates your account balances in real-time to ensure your access to an up-to-date picture of your financial progress 24 hours a day. If you’d like further details of the Pro offer, please simply include a note in your email to us, and we will get in contact with you
A note on fees and services
Legislation effective 1 January 2021 cancelled any adviser commission being paid from superannuation, investment and pension accounts. This change is in line with the industry Code of Ethics, which requires any adviser fees to be agreed to by a client under terms of “free, informed and prior consent”.
In other words, a ‘service agreement’ needs to be put in place for any fees and charges from your adviser. This agreement will set out any services and advice to be provided, along with the relevant fees.
There is an exemption for insurance policies, which can continue to pay a commission to an adviser, in much the same way that mortgages will often still pay a commission to a mortgage broker.
Many financial planners around Australia have reacted to these changes by setting minimum account balances that they will deal with for clients or setting a minimum “package” of services that will often exclude people who are seeking straight-forward or irregular advice.
Advice4me has attempted to navigate this change in the most flexible way possible, knowing that many clients are not used to paying fees in this way, and have been used to all costs and charges being covered by commissions earned.
Advice4me will work with you to establish a service agreement that fits to your budget and expectations. We will not demand a minimum account balance and we will not require you to lock into long term contracts, unless that is what you specifically want and it is appropriate to the services involved.
