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common questions

If I see an adviser am I committing to anything?

Only rich people get advice. Can I afford to?

Can you afford not to? A common misconception is that only the super wealthy get advice.

Everyone likes to have more money in their pockets – so it makes sense to explore ways that you can save on tax (legally of course), maximise your potential to make more money, and take advantage of opportunities to set you up for life. Our advice focus is on a long term strategy to help you reach your goals.

Successful people seek the advice and opinion of experts in their field – leaving them time to focus on their own strengths. This is particularly so in the lead up to retirement or some of our biggest financial decisions.

Why should I consider advice over just doing it myself?

A financial adviser is a trained expert in their field. They spend all day thinking about, talking about and looking after people’s financial lives. They also have back-up support and expertise from leading fund managers, researchers and advice professionals. Making sure that they are abreast of what’s going on in the market, and regulatory changes that may present opportunities or risks. It is possible to build your own house too- but most of us choose to use a builder. Why should your financial house be any different?

I’ve got super – isn’t that enough to fund my retirement?

Australians are living longer. The time spent in retirement has increased and the amount of money you need to fund retirement is also increasing.

According to ASFA, a modest retirement (and we mean modest) will cost a couple $50,000 a year.

How long will your super last? An adviser can show you some super strategies to help you close the gap and create the life you want in retirement.

How much will it cost me?

There is no charge for having an initial chat and meeting with an ipac financial adviser. Once you agree to take our advice, ipac charges a fee for our service.

This varies depending on the complexity of the plan and implementation required – but an average plan will cost between $1,100 and $7,700.

Before proceeding with advice, your adviser will outline your circumstances, the plans we devise with you and fees and charges associated within the Statement of Advice (your plan). Details are also included within our Financial Services Guide.

How do advisers get paid?

ipac advisers are salaried employees of ipac securities limited. Our advisers don’t receive commission from product sales, however they may be eligible to receive bonus or rewards based incentives.

For the details on how advisers get paid please refer to our Financial Services Guide, a document your adviser must provide to you before you receive a service from us.

How can I be sure you aren’t like those advisers shown on TV?

ipac has been around for more than 25 years, and our philosophy of planning for you and not just your money, as well as recommending quality diversified investment portfolios has seen us endure. If anything, we’re probably a bit boring when it comes to investments – but most of our clients like it that way. The secret to financial security isn’t a ‘get rich quick’ scheme and it isn’t particularly exciting, but it does work.

What do ipac’s clients say?

Don’t just take our word for it. Here’s what our clients have to say.

‘An ideal partner for planning for your retirement.’ Frank B, NSW

‘My adviser is excellent. Always there when needed and always good advice.’ Paul H, NSW

‘ipac’s very friendly and informative.’ Brian and Valerie K, NSW

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