Here are some of the questions we’ve been asked by people who are thinking about meeting with an ipac financial adviser.

What happens in my complimentary consultation?
Your complimentary consultation gives you the opportunity to discuss your situation and needs with an experienced adviser. Your adviser will seek to understand exactly what you aim to achieve, whether you have a pressing financial issue or simply need to plan ahead.

In order to understand your needs, they’ll ask you some questions about your current situation and goals for the future, and suggest ways in which we may be able to help you. You’ll have the opportunity to learn about likely impacts of some of the key choices available to you, as well as finding out how ipac’s service can help you, including how we charge and so on. It’s a great opportunity for you to determine whether further professional advice will be of benefit to you.

Why is there no charge for my initial consultation?
There’s no charge for the initial consultation because we understand you need an opportunity to get to know us and judge for yourself whether we can help. It also gives us an opportunity to see whether or not you will genuinely benefit from our service.

Am I committing myself to anything?
No – there’s no obligation from attending a complimentary consultation.

How can ipac afford to offer a complimentary consultation?
Financial advice is not like a car or television that you can see and touch before you buy. It is important that you are comfortable with us and have a genuine need for our service. And we believe it’s essential that you have the opportunity to judge these things for yourself without committing to anything.

What happens after my complimentary consultation?
If you decide to take advantage of our service, your adviser will discuss with you the next steps in the development of your personal financial strategy. In most cases, this includes a more detailed consultation and planning session. If you decide not to take advantage of ipac’s service, you are free to walk away without obligation.

What are the fees if I receive financial advice from ipac?
Everyone is different and fees depend on the complexity of your financial affairs, the type of service you choose to have ipac provide, the size of your portfolio and so on. Obviously clients with a complicated financial position, more complex strategies and a larger portfolio could expect higher fees than others with a relatively simple strategy and small amount of money.

ipac financial planning’s fees are explained in our Financial Services Guide, a document your adviser must provide to you before you receive a service from us. Most importantly, your complimentary consultation with a financial adviser gives you the opportunity to discuss and understand fully the fees that would apply in your personal situation, and what they are for.