Yes. The introductory 30-minute call is free and education-only. If you choose to engage us for personal advice afterward, we’ll outline fees in writing first, no obligation.

No. The first call provides general advice only, it doesn’t consider your objectives, financial situation or needs. Personal advice is available later if you decide to proceed.

Jordan, our onboarding expert (not a call centre). He’ll talk through fees, timing and simple options in plain English and note anything that needs a deeper look, after that you can book in a session with Scott and Phil.

Not always - we'll help you assess if that's even necessary.

Yes. We explain everything in plain English. We're not here to impress you with fancy graphs (although we’re good at those too). Our goal is help you understand exactly what your money’s doing, and how to make it work harder for you.

It’s true that many people leave it longer than they should - but that doesn’t mean it’s game over. Even small changes now can make a big difference later. The worst move is doing nothing.

No. Just because super is designed for 65+ doesn’t mean you need to wait. Many of our clients assumed they’d retire at 65 - until we showed them how to do it sooner, and stronger. Your timeline should fit your life, not someone else’s rulebook.

Yes - and that’s exactly why we do what we do. Many clients come to us after watching loved ones struggle on a government pension. We help you avoid that path by building a personalised strategy focused on freedom, flexibility, and peace of mind.

Not at all. Most of our clients are teachers, tradies, business owners - people in their 40s, 50s or 60s who just want to retire comfortably and live on their own terms. Some feel behind. Some are starting over. All of them want a better plan.