What advice costs here
Four layers, kept apart. Each is priced in dollars before you agree to it. Tap a layer to see what it covers and how it’s charged.
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- What it covers
- Imogen looks at your whole situation and writes down what she recommends, why, the risks, and what each step would cost in dollars. We go through it with you in person.
- How it’s charged
- A fixed fee, including GST, set in writing after the first meeting and before any work starts. It doesn’t change if you decide not to go ahead.
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- What it covers
- The forms, applications and rollovers that set up what you’ve agreed to, and checking each one has gone through.
- How it’s charged
- A fixed dollar amount, including GST, written into your advice so you see it before you decide. Charged only if you ask us to do the work. You can also put the advice in place yourself.
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- What it covers
- A yearly review, your advice updated when life changes, and answers in between. Everything it includes.
- How it’s charged
- $330 a month including GST, which is $3,960 a year. Only with your written agreement, renewed with you each year, and you can stop it any time.
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- What it covers
- What your super fund, investment platform or insurer charges: administration and investment fees, and insurance premiums.
- How it’s charged
- By them, not us, usually from your account. Your written advice lists each one in dollars, for what you have now and for what we recommend.
One thing can come back to us: if you take out personal insurance Imogen recommends, the insurer may pay us a commission. Your advice shows the amount, and we ask for your consent first.
Underneath all four, the first meeting is free. Nothing here is charged by us until you’ve agreed to it in writing.
What people come to us about
Tap one to book a first meeting about it.
Who you’ll sit down with
Imogen Voss
Financial Adviser
Principal
Imogen sees every client herself, from the first meeting to the yearly review. Most are couples working out when they can retire, and adult children helping a parent with the money side of aged care. She’d rather you leave with a few clear decisions than a thick folder.
- Licensee
- Imogen is an authorised representative of Kingfold Advice Pty Ltd, AFSL 000000 (example), the licence we advise under.
- Check before you book
- Advisers who give personal advice to people like you must be registered, and listed on ASIC’s Financial Advisers Register.
Check the register
This is an example site: Imogen and Kingfold Advice are fictional, so the register won’t find them, and the AFSL is a placeholder. A real practice links to its adviser’s own entry.
Hamish Tolley
Client Services Manager
Hamish looks after appointments, paperwork and the secure client portal. He isn’t a financial adviser and doesn’t give advice, but he always knows where your forms are up to, and he’s usually the one who answers the phone.
How we’re paid
By you, in the fees on this page. The one exception is personal insurance: if you take out cover Imogen recommends, the insurer may pay us a commission. You’ll see the amount in your advice, and we ask your consent first.
Our Financial Services Guide sets this out in full, with our relationship with Kingfold Advice and how to complain.
The first meeting
A conversation, not a sales pitch.
What it costs
Free- How long
- About 45 minutes.
- Where
- Murray Street, by video anywhere in Tasmania, or your kitchen table around Hobart.
- Who
- Imogen, and anyone you’d like to bring.
- What happens
- You tell us what you’re weighing up. Imogen tells you if she can help, and what written advice would cover and cost. No advice, nothing to sign.
Bring, if it’s handy
- Your latest super statements
- A rough list of what you own and owe
- Any insurance policies you have
- The questions you keep coming back to
Please don’t email statements before we meet. If you go ahead, Hamish sets up a secure way to share them.
How advice works here
Written advice comes first. Each bar shows the cost layers that apply by then.
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The first meeting
Free, about 45 minutes, no advice. You find out if we can help, and the cost.
So far: nothing
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A fixed fee, in writing
A short letter sets out what your advice covers and its fixed fee. Sign it to go ahead.
So far: the advice fee
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Your written advice
What Imogen recommends, why, and the risks, with every other cost priced in dollars.
So far: the advice fee. The rest is shown, not agreed.
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You decide
Nothing is put in place until you agree in writing. Ask us to, do it yourself, or leave it.
So far: the advice fee
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Putting it in place
Forms, rollovers and applications, for the fixed fee in your advice, priced apart from the advice itself.
Adds: this fee, and the product fees in your advice
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Ongoing service, if you want it
A yearly review and help in between, only if you ask and sign for it.
Optional: $3,960 a year, including GST
Ongoing service
It’s optional. You can take one piece of advice and stop there. If you’d like us to stay with you, this is what it covers and what it costs.
- A review meeting each year, at the office, by video or at home.
- Your advice updated in writing when your plans or circumstances change.
- A check that your super, investments and insurance still match your plan.
- Questions by phone or email between reviews, answered by Imogen.
- Hamish handling the paperwork for any changes you agree to.
It’s a choice, and you can change your mind. It starts only with your written agreement, we ask you to renew it each year, and you can end it any time.
Paying for advice from your super
Sometimes possible, never automatic.
- Only for advice about that super account.
- Only with your written consent. Your fund needs it before it pays us anything.
- Never for general advice, or for advice about anything else.
- Whether it’s possible at all is up to your fund.
It’s still your money. A fee paid from super comes out of your retirement savings instead of your bank account, so your advice shows the dollar amount either way and you choose.
Questions people ask first
Do I have enough money for advice to be worth it?
That’s what the first meeting is for, and it’s free. Imogen will tell you plainly if paying for advice doesn’t make sense for you.
If you need information rather than advice, Services Australia’s Financial Information Service is free to talk to.
Can I get one-off advice?
Yes: one piece of written advice, put in place or not, with no ongoing fee unless you ask for ongoing service.
Will I have to change my super fund or investments?
No. We start with what you already have. If Imogen recommends a change, your advice says why, what it costs and what you’d give up, and nothing changes unless you agree.
Can my partner or an adult child come along?
Yes, anyone you’d like. If you’re helping a parent, we’ll need to speak with your parent too, because the advice is for them.
Can we meet by video?
Yes, anywhere in Tasmania. You get a link that opens in your browser, with nothing to install, and Hamish can do a quick test call with you first if you’d like.
What if I’m unhappy, or want to stop?
Tell Imogen or Hamish first. Our complaints policy sets out the steps. If we can’t put it right, you can take it to the Australian Financial Complaints Authority (AFCA).
You can end ongoing service at any time by telling us, and the fee stops.
Murray Street, or wherever suits you
Hobart TAS 7000
- At the office, in person.
- By video, anywhere in Tasmania.
- At your kitchen table, around Hobart.
| Monday | 9am to 5pm |
|---|---|
| Tuesday | 9am to 5pm |
| Wednesday | 9am to 5pm |
| Thursday | 9am to 5pm |
| Friday | 9am to 5pm |
| Saturday | Closed |
| Sunday | Closed |
Worried someone has got into your accounts? Call your bank or super fund first. We can’t stop a transaction, but we’ll help you sort out what comes next.