FAQ

  • All Thriving Wealth advisers have university degrees and post-graduate qualifications in finance or financial services, along with extensive vocational experience. Our Financial Services Guide details each adviser’s qualifications.

  • Thriving Wealth is licensed under Axies Pty Ltd (a subsidiary of Spark Financial Group), an Australian Financial Services Licence to give advice and deal in the following financial products:

    • Budgeting and cash flow management
    • Investing in managed funds
    • Investing in direct property
    • Debt strategies (including borrowing for personal and investment purposes)
    • Personal insurance (life cover, disability, income protection, trauma & Key Man)
    • Superannuation strategies
    • Strategic asset allocation
    • Retirement planning (retirement income streams, including pensions & annuities)
    • Estate planning
    • Centrelink and other government benefits
    • Ongoing advice and services, including regular portfolio reviews

  • No, it’s illegal for any financial adviser to guarantee a return. Through our detailed research and experience, we recommend what we believe may be the most beneficial outcome for you.

  • We do not provide specific advice without a financial plan (Statement of Advice). We are legally obligated to conduct research and testing prior to presenting you with recommendations.

  • We understand life will have its ups and downs. Give us a call as soon as you can, and talk through what’s going on in your life. Together, we’ll adjust your financial plan.

  • Fees are based on the value, time, complexity and requirements of each client, and vary between each client.

  • Some fees may be paid out your super fund, however only for the advice applicable to superannuation and retirement advice.

  • We only receive commission on insurance products, as we do not charge fees for these services.

  • We offer a limited number of after-hours appointments each month. These often fill up quickly so please book well in advance to reserve your place.

  • We embrace technology and offer clients phone meetings and video conferencing, with stringent identification verification requirements.

  • No, we believe that great advice comes from helping people to build wealth, so we often see people start with minimal to no investments. However, if you are just starting out you would need to have an income with surplus cashflow (savings) for us to help you reach financial freedom when and how you want to.

We have gathered some of the most common questions we receive, to help answer any of the queries you may have before working with us:

We encourage you to read our Financial Services Guide. The Financial Services Guide (‘FSG’) is an important document that explains the financial planning services we offer and provides you with important information which is designed to help you consider whether or not to use our financial services. It explains who we are, and what you can expect from us. It also explains how we deal with a complaint if you are unhappy with our services.