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Common questions on financial planning
A complimentary, no-obligation conversation — in person at one of our five offices, online, or out on your property. We’ll listen to where you are, what matters to you, and what you’re working towards. No advice or paperwork yet — just an honest chat to see if we’re the right fit.
We have up to three meetings with you to understand your goals and plans you would like to move forward with. Once we finalise strategy, we will provide a flat dollar fee quote. You pay us directly, not product providers. A one-off fee to build your Statement of Advice, scaled to the scope and complexity of your situation. If you stay on for ongoing advice, an annual fee covers reviews, portfolio management, and being on call when life changes. Any insurance commissions are disclosed and consented to upfront.
Five offices across Western Victoria — Colac, Hamilton, Geelong, Warrnambool, and Queenscliff. Our advisers live in the communities they serve, so wherever you are in the region, there’s a familiar face nearby. We meet in person, online, or out on your property — whatever suits.
Yes. Regional Prosperity Financial Advice Pty Ltd is an Authorised Representative of Personal Financial Services Limited (AFSL 234459, ABN 26 098 725 145). All our advisers are appropriately qualified and listed on the ASIC Financial Advisers Register, and we operate under ASIC’s regulatory framework.
Usually four to six weeks from first meeting to Statement of Advice. The 30-minute chat comes first. If we’re a good fit, we gather your information, model your situation, and prepare advice tailored to you — then walk you through the plan together before anything’s signed.
Both — and quite a few others. Our clients include farming families navigating intergenerational succession, regional business owners, professionals approaching retirement, and high-net-worth families across Regional Australia. What we share is a connection to regional life — and a preference for advisers who genuinely understand it.
It depends on a few things — your expected expenses, the lifestyle you want, when you plan to stop, and what sits alongside super. A 30-minute conversation gives you a rough picture; a full retirement plan shows you the detailed numbers. Most people have less certainty than they’d like — and more options than they realise.
Farm succession is one of the most complex conversations a family can have — and one we have often. Tax, ownership, fairness, and family dimensions all tangled together. We work alongside your accountant and solicitor to design a plan that works for the people leaving the land, the ones staying, and the ones doing something else entirely.
A standard plan focuses on one person or couple at one stage of life. Intergenerational advice plans across generations — how wealth passes from one to the next, what each generation needs, and how to keep family relationships strong through it. Solving the family’s question, not just today’s.
Yes — most of our clients move into ongoing advice once the plan’s in place. We meet at least annually to review how things are tracking, understand your financial modelling, adjust for life changes, and keep your strategy aligned with where you’re heading. Between reviews, reach out anytime something significant comes up.