How much will it cost?

Our first appointment together is cost and obligation free.

We will determine an appropriate fee only after we understand your situation and how we can serve you. 

There are no surprises. Our service offer will be clear and the fees fixed.  

You are in control. Our fees will only be payable after you have provided your consent in writing. 

We are paid only by our clients and only for the advice we give.  We receive no commissions, asset-based fees, or any other payments related to product sales.

Is your advice biased in any way?

At Daniel Crump Financial Planning we work for our clients and no-one else.

We are not aligned with any major financial institutions or super funds who want us to push their in-house products.

If we make a financial product recommendation we can choose from a broad range of products, including any products you currently are invested in.

What you see is what you get. There are no other vested interests or hidden agendas.

Can you still advise on StatePlus investments?

Yes. 

We are not tied to any particular institutions or super funds. This means we can service your financial planning needs regardless of where your money is currently invested.  

You don’t need to change your investments just to deal with us. We can advise on a wide-range of market-leading investment products, including your existing investments. 

Of course, since we work for our clients and no-one else, we are also free to recommend you switch super funds if there is a better alternative.

Can we meet face-to-face?

We are happy to meet with you face-to-face either at one of our offices or even at your home.  If you prefer, we can video-conference or use the phone.

We are based in Orange and deliver retirement advice to clients in the Central West. We regularly have appointments across the region including Bathurst, Dubbo, Lithgow and Mudgee.

Do I really need financial advice?

Some people think that financial advice is only for the wealthy, or people with complex tax affairs.

But that is not true.  In fact, anyone can benefit from financial advice.

Research shows that advised people have better financial wellbeing. They worry about money less, enjoy better mental health, and have better personal relationships with family and friends.  And they are wealthier. They are able to spend more and do more with less risk along the way.

Retirees who have an active relationship with a financial planner feel more prepared to deal with the unexpected, are more confident with their financial decisions and are more likely to feel satisfied with their life in retirement.

Do you specialise in any areas of advice?

We specialise in retirement advice.  It is all we do.

We serve people who are actively planning for retirement; people deciding whether or not to retire; and those who are already living in retirement.

It is a specialist area of advice because planning for retirement is different.

The needs of people approaching retirement or living in retirement are different to younger people accumulating wealth.  And the risks are different, so the investment challenge is different.

When should I start planning for retirement?

The sooner you start planning the better.  The earlier you engage, the greater the positive impact of our advice. 

Having said that, it is never too late to plan. 

It is an unfortunate reality that most of us don’t get to choose the timing of our retirement.  We retire sooner than planner because we are made redundant, we get sick, or we are required to care for a loved one who is sick.

Planning for retirement can help you feel more resilient when you experience unexpected life events.  It will help you understand what you can and can’t achieve so you feel in control of your retirement outcome.

Are there any limitations to the advice you provide?

We can advise you on your entire financial circumstances, no matter where your super is.

Some advisers are limited in what they can advise you on.  Many are only allowed to advise on your super benefits and only on certain topics.

We are not limited in this way.  If we make an investment recommendation we can choose from a broad range of products to suit your needs, including any investments you already hold.

Of course, if we don’t have the necessary expertise to answer any specific questions or formulate the advice you’re seeking we will tell you.  If this happens we will connect you with other suitable professionals.