Fee for Service Policy

Service Packaging

At Continuum Financial Planners Pty Ltd we recognise that each client has individual needs. We offer three ‘standard’ service offerings that allow us to efficiently meet our clients' needs for investment review and strategy monitoring/updating. The range and frequency of services provided for each client is agreed at the time of placing investments – with customised variations agreed as required (and costed accordingly) – and revisited on a regular basis.

Payment for Services

We operate as a 'fee for service' business and can offer clients two options for payment. In respect of initial advice upfront charges are generally collected directly from the investor (who may opt to have this paid by the 'provider'); whilst ongoing services are generally collected in the form of a monthly adviser revenue ('trails') – either as a % of funds we manage for the client, or more usually recently, as a fixed dollar monthly payment. Whichever method of payment is selected by the client, there is transparency in disclosure as to what the costs are and what services have been agreed upon.

Standard Packages

Our base level package – Package C – is a ‘low touch’ offering for the client who is confident of their strategy; and of their ability to manage their portfolio (with all its volatility and vagaries). See detailed content below.

The next level – Package B – is a ‘higher touch’ package that ensures we have regular contact between our advisers and the client: this is a popular package for the relatively new client needing support in growing their understanding about investment matters; or the established client wanting to consult more regularly with their adviser.

Our service package for the client who wants to work closely with us in the development and management of their investment strategies (and implementation thereof), is Package A.

Optional add-ons

Each of the above packages can be enhanced by taking additional services from a menu of options – again, at fixed prices.

Outside the arrangements

Where clients seek our services beyond the range of services available under the agreed arrangements, our published hourly rate will apply to the provision of the specific requirement. In most cases, we will be able to provide a quote before commencement of the task.

Where this service need arises, clients can be assured that a fair and reasonable attitude will apply to costs – and in cases where we have a detailed knowledge of the relevant facts, the cost will be considerably less than in those cases where we need to establish detailed background information.