FAQs | Constellation Financial Planning

At Constellation Financial Planning, we want to give you all the information you need about our process. If you have a question that isn’t answered here, please email us at [email protected].

What is your process?

The first step is a confidential and complimentary meeting. This can be via phone, video call or a face-to-face appointment in our offices. The main purpose is for us to get to know each other a little better.

We will ask what you want to achieve and a bit about your circumstances. Then we will introduce our services that can help you and what benefits you can expect.

After your initial meeting, we will provide a fixed price quote to prepare your Financial Plan and the next steps.

In short, we want to make sure we are suited to working together and the value you receive will far outweigh any costs.

How long is my initial meeting?

In general, we allow up to 30 miuntes. However, there is no set time limit and we’re not worried if we go over time.

What does the initial meeting cost?

Your initial meeting is at no cost. This is because we want to have a good understanding of your requirements and how we can help so we can ensure the benefits you receive from our advice will far outweigh the costs. It’s also important that you can get along with your adviser so this also gives you the opportunity to assess if we’re the right fit for you.

How much does your advice cost if I decide to proceed?

If you decide to proceed, we’ll complete our research and prepare a Statement of Advice. The typical cost for this is $3,300 to $5,500 for an individual and $4,400 to $6,600 for a couple or SMSF. Because we provide highly personalised advice, our ongoing advice fee differs based on your requirements. Before any ongoing arrangements are made, you’ll receive a schedule of the proposed service package which will detail our fees and how you will benefit from each service. Again, we’ll only make a recommendation when the benefit to you far outweighs the cost.

When do I need to make a decision?

After your initial meeting, we will outline how we can help you, where possible, an estimate of the benefit to you, and confirm your advice fee and deposit requirements. There is no rush to make a decision and if you find you have more questions, we encourage you to reach out to us. Once you decide to proceed, we’ll prepare a Letter of Engagement and invoice for a deposit. We commence work once a signed Letter of Engagement and deposit is received.

What services do you provide?

We have a broad range of products and strategies depending on your personal requirements and aspirations:

Deposit Products
Managed Investment Schemes including Unit Trusts, Investment Bonds, Direct Shares, Property Trusts, Growth Funds, Balanced Funds, Indexed Funds and Cash Management Accounts;
Share Market Investments
Tax Effective Investments
Superannuation, including Allocated Pensions, Rollovers, Personal Superannuation, Company Superannuation and Self Managed Superannuation Funds
Retirement Planning including aged care and estate planning
Insurance Products, Life, Annuities, Term Insurance, Income Protection, Trauma and Total and Permanent Disability Insurance
Margin Lending

Frequently Asked Questions