{"id":1044,"date":"2026-09-26T10:08:56","date_gmt":"2026-09-26T10:08:56","guid":{"rendered":"https:\/\/lite.buildprosites.com\/sableford\/home-light\/"},"modified":"2026-09-26T10:08:58","modified_gmt":"2026-09-26T10:08:58","slug":"home-light","status":"publish","type":"page","link":"https:\/\/lite.buildprosites.com\/sableford\/home-light\/","title":{"rendered":"Home (light hero)"},"content":{"rendered":"\t\t
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\n\t\t\t\t\tFee-only financial planning<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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Our fees are in dollars. Most are in percentages.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t
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Retirement and later-life planning for Brisbane people who want to know exactly what the advice costs and exactly what it is buying. The first meeting is free and deliberately advice-free.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tBook a first meeting<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t
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\n\t\t\t\t\tWhy the fee matters<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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A percentage fee sounds small and compounds like everything else.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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One per cent a year does not feel like much next to a portfolio, but over a twenty-year retirement it is a very large number, and it rises every time your fund does — whether or not the work has changed. We charge a flat annual fee in dollars, reviewed once a year, and we will show you the arithmetic on both approaches for your own numbers before you decide.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t

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\n\t\t\t\t\tWhat we do<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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Three kinds of work<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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All of it fee-only, which means we are paid only by you and can recommend from the whole market rather than one provider’s shelf.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Retirement planning<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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What you can sustainably draw, when you can stop, and what happens to it all if you live to ninety-eight. Cashflow modelling in real numbers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Pensions<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Reviewing what you have, whether consolidating helps or costs you guarantees, and how to draw it in the most sensible order.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Later life and estate<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Care fee planning, inheritance tax, gifting and the conversations families put off. Often the most valuable work we do.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t

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\n\t\t\t\t\tThe firm<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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Fee-only and deliberately small<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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We cap the number of ongoing clients so that reviews do not become a conveyor belt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t2011<\/span>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\tYear we set up\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t120<\/span>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\tOngoing clients, capped\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t0<\/span>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\tProducts of our own to sell\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t1<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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Flat annual fee, in dollars<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t

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\n\t\t\t\t\tClient feedback<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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Gathered at annual reviews<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t★★★★★<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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The first meeting was an hour of questions and no recommendations at all. I left with a much clearer idea of what I was even asking, which was not what I expected.<\/div>\t\t\t\t<\/div>\n\t\t
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Bernard A.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Client since 2019, Chermside<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t★★★★★<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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They showed me the percentage fee and the flat fee side by side over twenty years for my own super. Nobody had ever shown me that.<\/div>\t\t\t\t<\/div>\n\t\t
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Sunita R.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Retirement planning client, Hendra<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t★★★★★<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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They told us plainly that our existing pension carried a guarantee worth keeping, and did not try to talk us into moving it anyway.<\/div>\t\t\t\t<\/div>\n\t\t
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Warren K.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Pension review, Kelvin Grove<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t

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The first meeting is free, and no advice is given in it. That is the point.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tBook a first meeting<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1044","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/lite.buildprosites.com\/sableford\/wp-json\/wp\/v2\/pages\/1044","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lite.buildprosites.com\/sableford\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lite.buildprosites.com\/sableford\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lite.buildprosites.com\/sableford\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lite.buildprosites.com\/sableford\/wp-json\/wp\/v2\/comments?post=1044"}],"version-history":[{"count":1,"href":"https:\/\/lite.buildprosites.com\/sableford\/wp-json\/wp\/v2\/pages\/1044\/revisions"}],"predecessor-version":[{"id":1045,"href":"https:\/\/lite.buildprosites.com\/sableford\/wp-json\/wp\/v2\/pages\/1044\/revisions\/1045"}],"wp:attachment":[{"href":"https:\/\/lite.buildprosites.com\/sableford\/wp-json\/wp\/v2\/media?parent=1044"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}