Questions about Financial Advice? Let us help
Find answers here about how we provide financial planning and advice. We explain how our advisers work, and our fees and services.
Commonly asked questions about premium financial advice
- Q. How would Perpetual provide me with financial advice?
- A. You are invited to an initial complimentary interview with a Perpetual financial adviser to get to know you, your current financial situation and your financial objectives.
If you wish to proceed, your adviser will develop a financial plan – also known as a Statement of Advice – which identifies ways to improve your financial position and will generally address areas relevant to you, including:
- strategic advice
- investment advice
- tax intelligent strategies and structures
- superannuation
- retirement & redundancy planning
- estate planning
- executorial services
- charitable planning
You would then determine the level of involvement you would like from your adviser. For example, you may enlist us to implement your plan or talk to us about ongoing service and advice. (See more details below.)
- Q. What is included in the cost of advice from Perpetual Private Clients?
- A. Fees are based solely on the services you require. Consider these three steps to building a sound financial strategy with the assistance of Perpetual Private Clients.
- Step 1: Development of your financial plan. The fee for preparing a financial plan is calculated on an hourly rate that varies between states. Your plan is highly personalised, tailored by your adviser and, where required, a team of experts in financial strategies, taxation and legal structures. You are paying for their time and expertise. The cost of your plan will depend on how complex your financial situation is.
- Step 2: Implementation. At your request, we can assist you to cost effectively implement the recommendations set out in your financial plan. Separate fees would apply to this step and these fees will vary depending on the requirements of your plan.
- Step 3: Ongoing service and advice. You can also choose to have an ongoing relationship with Perpetual and we will tailor the services to your requirements. The ongoing service may consist solely of holding custody of your assets. Alternatively, you may wish to receive ongoing advice from a dedicated adviser who will monitor your portfolio and provide regular updates and recommendations to ensure your financial plan continues to meet your objectives.
- Q. Are your financial advisers independent?
- A. All Perpetual advisers are salaried and remunerated independent of any underlying investments or investment managers they recommend. Perpetual uses a range of internally controlled platforms for holding investments to offer solutions best suited to our clients. We will also use Perpetual Investments products when they are right for the client.
- Q. How are your advisers paid?
- A. Perpetual advisers are paid a salary with bonus.
- Q. Why would I choose a financial adviser from Perpetual?
- A. Trust is essential when you are forming a relationship with an adviser. Perpetual’s business has been built on trust for more than 120 years. We have been providing advice and financial management to some families for generations.
Our personalised advice to you includes input from a team of experts in financial planning, tax, investment, superannuation, insurance, estate planning and philanthropy based on your requirements. This comprehensive approach helps ensure we can identify the most effective way to enhance your financial circumstances. Our advice can also be supported through an ongoing relationship with Perpetual which allows you to choose the level of your ongoing participation in your financial affairs.
