ADVICE

Financial advisers
in Warragul

Personal financial advice from advisers based in Warragul, not a call centre somewhere else. Retirement, superannuation, investments, insurance and aged care, for people across West Gippsland.
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Warragul, and the country around it

Our Warragul advisers work with people across West Gippsland, including Drouin, Trafalgar, Yarragon, Longwarry, Neerim South, Buln Buln, Nilma and Bunyip.

West Gippsland is dairy country that has become a growth corridor. The farms are still here, but so are several thousand households who bought in Warragul and Drouin and commute to Melbourne on the Gippsland line, and the two groups need almost nothing in common from an adviser.

For farming families the questions are succession, structure and how to fund a retirement out of an asset nobody wants to sell. For commuting households they are mortgage pressure, superannuation that has been left to look after itself, and insurance that was set up years ago and no longer matches the family. We work with both.

Your Warragul advisers

Small team, long tenure. You will deal with the same person each time, and they live here.

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What we help with

Almost nobody arrives needing all five. Most people start with one and find the others matter more than they expected.

retirement-planning

Retirement
planning

When you can stop, whether the number is enough, and how to turn it into an income that lasts.
superannuation-planning

Superannuation

Contribution strategy, consolidation, insurance inside super, and making sure the structure still suits your stage of life.
investment-advice

Investment
advice

Portfolio construction inside the advice relationship, built around your goals and your tolerance for risk.
personal-life-insurance

Personal
insurance

Life, income protection, total and permanent disability and trauma cover, sized to what your family would actually need.
aged-care

Aged
care

A parent's move into care, the family home, means-tested fees and the timing of it all.
estate-planning

Estate
planning

Wills, powers of attorney, beneficiary nominations and what happens to super, which does not pass through your will by default.

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

Where you are now, what prompted the call, and an honest answer on whether we're the right fit. Sometimes the answer is that you don't need us yet.
30MIN - FREE

Discovery

The detail. Income, super, debts, insurance, family, what you're aiming at and how much risk you can genuinely live with.
1 to 2 meetings

Strategy

We build the recommendation, document it, and walk you through the reasoning before you decide anything.
Written advice

Implementation

We put it in place. Applications, rollovers, paperwork, follow-up. You sign, we chase.
We handle it

Review

Scheduled and ongoing. Your life changes, markets change, the rules change. The plan moves with them.
Ongoing

Find us in Warragul​

Our Warragul 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.

Warragul office details
Mortgage brokers Warragul

Questions to ask your Financial Advisor in Warragul

Do I have to go to Melbourne for good financial advice?
No. Our Warragul 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 Melbourne postcode.
Which areas do you cover from the Warragul office?
Warragul and the surrounding area, including Drouin, Trafalgar, Yarragon, Longwarry, Neerim South, Buln Buln, Nilma and Bunyip. 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 Warragul 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 Warragul 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 Warragul 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.

Warragul 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.
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