Prepared for Dianne Richardson
Deliverables below
Every piece is finished, written in your voice, and yours to keep regardless of whether we work together.
What needs to work together before you change how you plan for retirement?
Your income needs, super and investments can affect the same decision. SWA Financial Planning brings the wider picture into one conversation, then helps you understand whether further advice is appropriate.
Explore the first conversation below.
If several parts of your financial life affect the same future, they deserve to be seen together.
That may include super, investments, family wealth, a trust, a company or a business interest. SWA's comprehensive planning starts with the decision in front of you and works out which questions belong together.
See how the conversation works below.
When advice touches your family's wealth, how do you know the recommendation starts with your situation?
SWA is a 100% staff-owned practice and says it receives no commissions or product-provider payments. Investment results remain uncertain. The planning conversation begins with your goals, circumstances and trade-offs.
Learn how the model works below.
If a financial decision affects more than one generation, it deserves more than one isolated conversation.
Retirement, investments, family wealth and estate decisions can sit beside each other. SWA brings the wider question into view so you can see which parts belong together.
Explore the wider planning conversation below.
If your business is part of your personal wealth, how does it fit with the retirement plan you're building?
The answer can involve more than the business itself. Super, investments, structures and family decisions may belong in the same conversation. SWA helps you start with the real decision and see which parts need attention.
Explore the planning conversation below.
If retirement, investments, superannuation, family wealth and business interests are being considered in separate conversations, it can be hard to see how one decision affects the rest of the plan.
SWA Financial Planning helps people bring those decisions into one comprehensive financial planning relationship. The work can cover retirement and superannuation, investments, high-net-worth and intergenerational wealth, business-owner structures, estate planning, aged care and responsible investing where those areas belong in the situation.
An initial consultation is the first step. The current SWA contact page says to allow 1-2 hours for the first meeting, and a consultation fee of $550 applies with no ongoing obligation. This meeting is a general discussion before personal financial advice. It gives you a place to explain your goals, circumstances and current position, then decide whether further advice is the right next step.
The useful starting point is the real decision in front of you. You don't need to arrive with a finished plan or a perfect set of questions. Bring the decision you're facing: when work may change, how your super and investments fit together, what a business or trust means for personal retirement planning, or how family wealth and estate planning should be coordinated.
SWA's model is built around independence. The firm describes itself as a 100% staff-owned practice, receives no commissions or product-provider payments, and has no bank, insurer or other institutional owner. It operates under its own Australian Financial Services Licence, AFSL 241050. Its current site describes more than 40 years of client-first advice, with the practice established in 1982.
Independence is useful because it creates a clearer starting point for judgement. Before considering potential returns, SWA says its conservative approach asks what can go wrong. Investment risk remains part of the decision, and no particular result is promised. From there, the planning conversation follows a disciplined order: understand the situation, identify the trade-offs, then decide what advice is appropriate.
The firm publishes a typical annual financial planning range of $6,600 to $36,000, depending on the complexity of the situation and the nature of the advice and investments required. It's a typical range rather than a universal quote. If ongoing advice is suitable, the work and applicable fees should be understood for the actual situation.
The page below is designed for people who want to make a serious planning decision with the whole picture visible. It's especially relevant if retirement income, super, investments, business structures, estate planning or family wealth are connected in your life.
The question worth bringing to the first conversation is how retirement, investments, business interests and family wealth fit together. You do not need to turn it into a technical brief before you ask it. A useful starting point is the decision in front of you, the time you have to make it and the parts of your financial position that may be affected.
The review should also leave room for different paths. You may keep working for longer, reduce your hours, change how you invest, help family or adjust what you expect to spend. The point is not to pretend that one projection can predict every future event. The point is to make the assumptions visible so you can see what would need to change if your priorities changed.
It is reasonable to ask what the advice process includes, what information the team needs and how recommendations are explained. You can ask how the proposed work relates to advice you already receive, whether your accountant or solicitor remains involved and what the fees would apply to. Those questions belong in the conversation before you decide whether to proceed.
The conversation can also separate decisions that need action now from decisions that can wait. That distinction matters because financial planning is not useful when every possible issue is treated as urgent. A clear plan gives you a way to prioritise, revisit assumptions and understand what the next review is meant to answer.
It should leave you with a better question if the first question turns out to be too broad. That is still progress, because the next decision can be made with a clearer view of the information it actually needs.
You may also wonder whether advice is useful when you already have a super fund, investments or a plan of your own. That depends on the gaps in the current picture. Sometimes the useful work is checking whether the arrangements still match the goal. Sometimes it is understanding a decision you have been putting off. Sometimes the answer is that no further work is needed yet. A proper conversation should make that clearer.
The right fit is someone who wants the relevant decisions explained in plain language and is prepared to share enough information for the advice to be personal. It is not someone looking for a guaranteed return, a product chosen before the circumstances are understood or a financial outcome that no adviser can promise.
If this is the question you want to work through, complete the form below this video and answer it as accurately as you can. The information helps the team understand whether the conversation is relevant and what you would like to discuss. The planning conversation should make the next decision clearer, not create another layer of uncertainty.
Complete the short form below and explain the question you want to work through. You can then decide whether an initial consultation with SWA is the right next step. Every situation is different, and the first conversation exists to establish fit, identify the important questions and make the next decision with better information.
Thanks for arranging an initial conversation with SWA Financial Planning.
Most people arrive with one decision they want to understand. It might be how investments and super fit with retirement income, how a business or trust affects personal wealth, or what needs to be considered before family assets are passed on.
The first consultation is a general discussion about your goals, circumstances and current position. It sits before personal financial advice and gives you a practical place to explain the situation, ask questions and decide whether further advice is appropriate.
SWA works across retirement, investments, superannuation, high-net-worth and intergenerational wealth, business-owner structures, estate planning and related areas where they belong in the wider picture.
The current contact page says a consultation fee of $550 applies and there's no ongoing obligation. If ongoing advice is suitable, the work and applicable fees are discussed for your situation.
Have a look at the short clips below. They cover the questions people commonly bring to the first conversation and the information that makes it more useful.
Investments and super are often the most visible parts of a financial plan. Retirement income, tax structures, insurance and estate planning can affect the same future.
Those areas can change what needs to be held, protected or passed on. A trust, company, property or business interest can add another layer when it's part of the situation.
Start with the decision you want to make. Once you've named it, the adviser can help identify which parts of your financial life belong in the same conversation.
An initial consultation is a practical place to explain the connections and work out whether SWA's comprehensive advice is a fit.
Retirement planning is easier to discuss when it starts with the life your assets need to support.
You might be thinking about when work will change, what regular expenses may look like and which assets need to remain accessible. Those answers give the investment and super decisions a clearer purpose.
You don't need a perfect forecast for the first conversation. Bring the assumptions you're using now, and the adviser can help identify the questions that need closer attention.
The point is to consider retirement income beside the assets, structures and family decisions that may affect it. No one can promise a particular investment result, but the wider plan can make the trade-offs easier to see.
SWA's initial consultation costs $550 and carries no ongoing obligation.
Its current FSG says ongoing financial planning services typically range between $6,600 and $36,000 per annum, depending on the complexity of the situation and the nature of the advice and investments required. It's a typical range rather than a universal quote.
If further advice is suitable, SWA explains what the work would cover and the applicable fees for your situation. Ask which decisions the advice is intended to support and what the next step would involve.
Fee clarity belongs in a sound planning decision.
Bring the question you most want answered and any documents that help explain where things are.
Recent super or investment statements can be useful. If a trust, company, property or business interest affects the question, bring the information you already have about that as well.
You don't need every figure organised. A clear sentence about the decision in front of you gives the conversation a useful starting point.
The initial consultation is there to understand the situation, identify the important questions and decide whether SWA is the right place to take them further.
Start with the question you need answered
Preview: A useful first conversation begins with the decision in front of you.
Send: Immediately after booking
Hi there,
Thanks for arranging an initial consultation with SWA Financial Planning.
Before the conversation, write down the one question you most want to understand. It might be how your investments and super fit together, what your assets need to support in retirement, or how a business, trust or property affects the wider plan.
You don't need a finished brief. Bring the situation as it is, and the conversation can help identify which questions deserve attention and whether further advice is appropriate.
SWA Financial Planning
What belongs in the same financial plan?
Preview: Separate accounts can still affect the same financial future.
Send: Day 1, morning
Hi there,
Investments, super, estate planning and structures may be reviewed in different places.
They can still affect the same future. A retirement-income decision can change the investment question. A trust, company or property can change the estate and family-wealth questions around it.
Bring those connections into the conversation. They give the adviser a more useful place to start.
SWA Financial Planning
What will your assets need to support?
Preview: Retirement planning needs a clear view of the life ahead.
Send: Day 1, afternoon
Hi there,
Retirement planning starts with the life you want your assets to support.
Think about when work may change, the income you expect to need and which assets should remain accessible. From there, investment and super decisions have a practical job to do.
A rough answer is enough for the first conversation. It gives the discussion a direction, and the detail can be worked through from there.
SWA Financial Planning
When wealth spans generations
Preview: Retirement, family wealth and estate decisions can connect.
Send: Day 2, morning
Hi there,
For families planning across generations, retirement, investments and estate decisions can affect one another.
SWA's whole-picture planning brings those questions into one conversation. You can start with the decision in front of you and work out which parts of the family picture belong alongside it.
The initial consultation costs $550 and carries no ongoing obligation.
SWA Financial Planning
When business and family wealth connect
Preview: Business, trusts and property can change the retirement conversation.
Send: Day 2, afternoon
Hi there,
For a business owner or established family, the personal financial plan may sit beside a company, trust, property or future succession decision.
Those questions are easier to assess when the connected pieces are visible. You don't need to be preparing a sale or a major change before asking how the parts fit together.
Bring the structure that shapes the question, and start there.
SWA Financial Planning
What belongs in one financial plan?
Preview: Retirement, investments and family wealth rarely move in isolation.
Hi there,
Retirement, investments, superannuation and estate decisions are often reviewed at different times.
They still affect the same financial future. A change to retirement income can alter the investment question, while a trust or property can change the estate and family-wealth questions around it.
Start by putting the connections on one page. It becomes easier to see which decision needs attention first.
SWA Financial Planning
What does independent advice change?
Preview: Independence is useful when it changes how recommendations are selected.
Hi there,
SWA Financial Planning describes itself as truly independent and a 100% staff-owned practice. The firm says it receives no commissions or product-provider payments and has no bank, insurer or other institutional owner.
Investment risk remains part of the decision, and outcomes can't be guaranteed. The conversation can start with your goals, circumstances and trade-offs rather than a restricted product list.
SWA Financial Planning
What will your assets need to support?
Preview: A retirement plan needs a clear view of the life it's meant to fund.
Hi there,
Retirement planning becomes clearer when it starts with the life you want your assets to support.
Think about when work may change, the income you may need and which assets should remain accessible. That gives investment and super decisions a practical purpose.
A perfect forecast isn't required to ask a useful question. Start with the decision you can see coming.
SWA Financial Planning
Complexity goes beyond the account balance
Preview: Structures and family decisions can be as important as the account balance.
Hi there,
A household's planning work may involve super, investments, trusts, companies, property, estate planning or a business interest.
The important question is how the connected decisions can be understood together and adjusted as circumstances change.
That's where a whole-picture planning conversation can be useful.
SWA Financial Planning
When wealth spans generations
Preview: Retirement, investments and family wealth can belong in one conversation.
Hi there,
For an established family, the financial question is rarely isolated to one account.
Retirement income, investments, superannuation, estate planning and family wealth can all run on different timelines while still affecting the same future.
The planning process starts with the decision you want to make, then brings the connected pieces into view.
SWA Financial Planning
Every asset above plugs into one place in this flow. Once it's running, the only thing you see is qualified bookings on your calendar.
We handle every piece of the build, deployment, and the first 30 days of campaign management. You film, we run.
If yours isn't here, it's the first thing we'll cover on the call.
