Financial advisers
in Toowoomba
Personal financial advice from advisers based in Toowoomba, not a call centre somewhere else. Retirement, superannuation, investments, insurance and aged care, for people across Toowoomba and the Darling Downs.
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Toowoomba, and the people in it
Our Toowoomba advisers work with people across Toowoomba and the Darling Downs, including Highfields, Oakey, Pittsworth, Crows Nest, Millmerran, Dalby, Warwick, Gatton and Clifton.
Toowoomba is the commercial centre of the Darling Downs, and agriculture sits underneath most of the local economy even where it is not the direct employer. Cropping, cattle and agribusiness, with freight, health and education layered around them.
Farming families face a version of retirement planning that almost nobody else does. The asset is the business and the home. It cannot be divided easily, it may need to support two generations at once, and the conversation about who takes it on is one families put off for years. Starting that conversation early is usually worth more than any product decision that follows it.
Your Toowoomba advisers
Small team, long tenure. You will deal with the same person each time, and they live here.
Matthew Bruhl
Financial Advisor
James Macnish
Financial Advisor
Bruce Shelton
Senior Financial PlannerWhat we help with
Almost nobody arrives needing all five. Most people start with one and find the others matter more than they expected.
Five stages,
not five hundred pages.
The first conversation costs nothing and commits you to nothing. From there it’s a documented process, and you see the reasoning at every step rather than a recommendation landing on your desk.
Evaluation
Discovery
Strategy
Implementation
Review
At the heart of advice is the desire to make people’s lives better. Compassion, support, empowerment. It is rarely ever just about money.
Find us in Toowoomba
Our Toowoomba office is open for appointments, and we are happy to meet by phone or video if that is easier, or to come to you if getting in is difficult.
Questions people ask us in Toowoomba
Do I have to go to Brisbane for good financial advice?
No. Our Toowoomba advisers are part of a national group, so you get the research, technical support and investment resources of a firm with 32 offices, delivered by someone who lives locally and will still be here in ten years. There is no advantage to a Brisbane postcode.
Which areas do you cover from the Toowoomba office?
Toowoomba and the surrounding area, including Highfields, Oakey, Pittsworth, Crows Nest, Millmerran, Dalby, Warwick, Gatton and Clifton. If you are further out, we can meet by video or arrange to come to you.
Can I meet by phone or video instead of coming in?
Yes, and plenty of our Toowoomba clients do. The advice is the same either way. Most people mix the two: an initial meeting in person, then reviews by video.
What does financial advice cost?
Fees depend on how complex your situation is and what you need. We quote in writing before you engage, so you decide with the number in front of you rather than after the fact. The first conversation is free and carries no obligation.
Do I have enough money to need an adviser?
Advice tends to matter most at moments of change rather than at a particular balance. Retiring, selling a business or a property, an inheritance, a redundancy, a separation. If you are facing a decision you cannot easily undo, that is usually the point, whatever the number.
Can you help with Age Pension and Centrelink?
Yes. Working out entitlements, how assets and income are assessed, and how a decision about super or an investment affects what you receive is a routine part of retirement advice.
Are your Toowoomba advisers qualified?
Yes. All of our advisers meet the education, training and ethical standards required to give personal financial advice in Australia and appear on ASIC's Financial Advisers Register. Individual qualifications are listed on each adviser's profile.
What is a best interests duty?
It is a legal obligation to act in your best interests when giving personal advice, and to put your interests ahead of ours wherever the two could conflict. It is the reason a recommendation has to be documented with the reasoning behind it rather than simply asserted.
Do you also do home loans?
Yes, through our Toowoomba lending team. Advice and lending sit in the same group, so if you are weighing up a mortgage alongside a retirement or investment decision, both conversations can happen together.
Toowoomba advice, from people who live here.
Thirty minutes. In our office, at your kitchen table, or by video. No fee, no obligation. You will leave knowing more than when you started, even if you never come back.