Our fees

Initial Meeting

To help you decide which of our services would benefit you, we offer you a free initial meeting. During this initial meeting we would usually discuss your situation and determine what strategies and services we can offer you to help improve your financial situation. At Ethical Investment Advisers, we believe it is very important that we fully understand your situation so we can provide you with a comprehensive, tailored financial plan.

Initial Financial Plan

Once we have a good understanding of your situation and needs, we can provide you with personalised advice and recommendations regarding ethical and socially responsible investments and strategies.

Strategy advice may include salary sacrifice, transition to retirement, small business CGT advice, how to establish and invest funds in a self-managed superannuation fund, superannuation contribution strategies, tax minimisation, and gearing. We can also give you specialist advice on shares, managed funds, superannuation, insurance, retirement planning and SMSF's.

We charge an hourly fee-for-service for the preparation of this initial financial plan. Prior to the commencement of this report, we will provide you with an estimate as to how many hours it will take to research and prepare your personalised plan. The minimum fee for this initial strategy and investment advice report is $1,100 including GST.

Ongoing Financial Plan

For the Ongoing Management and Review of your investments and financial strategy, we charge an annual Ongoing Fee. This fee will depend on the level of ongoing service you choose to subscribe to, the complexity of the strategy and the size of your portfolio. In some cases, this fee may be capped.

All fees are agreed upon prior to the implementation advice and are fully disclosed in a written Statement of Advice. They may be payable monthly, quarterly, half-yearly or yearly.

Ongoing Fees invoiced by Ethical Investment Advisers may be tax deductible. You will need to seek advice from your Accountant.

The table below details the different types of ongoing services we offer:

Bronze Service

The Bronze service is our basic service designed for people who wish to seek our ongoing advice but also keep fees to a minimum. This service is usually used by investors with less than $100,000 in investments and superannuation. Ethical Investment Advisers charge a minimum fee of $90 per month for this service.

Silver Service

The Silver service is our most popular service which includes a half-yearly review and advice on direct equities if appropriate. Investors with investment and superannuation funds of between $100,000 and $400,000 are the typical investors in this service. The average fee for this ongoing service is between $150 and $290 per month.

Gold Service

The Gold service is for clients who want our full service which includes a review of your investments and a performance report every three months. This service generally suits investors with more than $300,000 in investments or superannuation. It also suits investors who have (or want to have) a Self Managed Super Fund.

Insurance Advice

  Once our recommended insurance policies are in place, Ethical Investment Advisers will recieve a payment from the Life Insurance Company which are calculated as a percentage of the premiums and included in the premiums payable. It is not an additional fee to you. 

Should a report be prepared and the insurance products not be taken, then a fee of $660 (including GST) is payable to cover the costs of the report production and research.

How & when will I pay for the service?

All fees are disclosed. They are written in a Statement of Advice. You can pay via cheque or direct credit. You can also nominate for your superannuation funds to pay our fees (if we give superannuation advice).

Alterations to fees

We reserve the right to change any of our fees and charges from their present levels, but any increase will only take effect after Ethical Investment Advisers has provided you with 30 days written notice and received your approval.