Why choose Quill Group Adelaide?

If you are looking for a financial advisor in Adelaide look no further.

We focus on building genuine relationships with our clients and delivering a personalised service that meets your specific needs.

Financial Planning


Through long-term strategies and tailored plans, we want to help you build your wealth to where you want it to be.

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Investment Advice


We have deep experience in managing our clients money. Tailored investment solutions aligned to your needs & values.

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Insurance


Protecting your income and family is essential for your piece of mind, so get the right advice and guidance to shape your protection.

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Super and SMSF


Superannuation can be complex so we make it easy. Get the right advice and guidance to shape your freedom.

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Expert guidance from financial advisers in Adelaide.

Now more than ever you need quality financial advice. Contact our financial advice team at Wayville Adelaide to discover how we can help shape your future.

Financial Advisor Adelaide

Kath Adderley Financial Advisor Adelaide

Katharine Adderley (CFP)

Katharine Adderley is a Relationship Manager and Associate Director at Quill Group Financial Planners and heads up our Adelaide office at Wayville. Katharine also regularly attends our satellite office in Alice Springs.

Katharine is a Certified Financial Planner with 30 years experience in financial advice.

Katharine’s specialty advice areas include retirement planning, financial and investment strategies, superannuation, SMSF, aged care and Centrelink strategies.

Katharine is also Certified Financial Planner (CFP) with the Financial Planning Association of Australia.

Katharine is an authorised representative of Quill Group Financial Planners (AFSL 300810) which you can verify on the ASIC Financial Financial Adviser register.

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Financial Advisor Adelaide

There is so much uncertainty in the world today, there has never been a better time to make sure you have prepared adequately for your financial future than right now.

This is where Katharine and the Quill Group financial advisor team can assist you on all parts of the Adelaide

If there was a sudden crisis in your life in the near future, could you be sure of having enough money to see you through for a few months without getting into debt? If you’re not totally sure, you definitely need the services of a Quill financial advisor based in Adelaide like Katharine.

What does a financial planner (financial adviser) do?

The first and most important thing a financial planner does is they will help you work out what your financial goals are. The best financial advisors will then develop a custom plan with you that sets out how these goals will be achieved. This is the basis of personal financial planning.

In order to develop a plan with you effectively, they’ll need to describe the various financial products and strategies available to you, discussing the advantages and risks of each method, so you can together make informed decisions about how you want to proceed.

There are a lot of factors that need to be considered when developing a financial plan. Two of the most important ones are your age and your current financial situation. The younger and wealthier you already are, the more interesting the financial plan can become, but that doesn’t mean if you’re older and not particularly wealthy that there’s no hope for you to change at least one of those circumstances.

There are four main categories of income producing strategies available to you. These are:

  • Savings
  • Investment
  • Superannuation
  • Tax Minimisation (legal – not tax avoidance!)

Superannuation technically counts as an investment, but since it’s a very long term investment with a maturation date far in the future and all kinds of special rules that apply to it, it’s best to keep it as a separate category. Superannuation advice including self-managed super funds (SMSFs) is a specialist area and Katharine Adderley from Quill Group Financial Planners is recognised as one of the best financial advisers in Adelaide in this area.

Savings are where most people will need to start, and the most difficult stage for the average person. The problem stems from the fact that most people tend to match their spending to their income, and some even take their spending beyond what they earn.

That’s what stops the majority of people from achieving financial freedom before they’re ready for retirement. All it takes to break free from old habits is to make the strong affirmation “I want to be free!” If you truly wish to be free, you’ll be able to summon the discipline to curb your spending habits and start saving.

It doesn’t take much. Ten or twenty percent of your income is plenty. If you’re earning $800 a week, how hard can it be to set aside $80 as savings?

Obviously if you’re earning more, you should set aside more. You should in fact set aside as much as you can. Once you’ve saved up approximately three months of savings, you should  set this aside as an emergency fund that you never touch except in a genuine emergency.

After you’ve done that, it’s when the more exciting phase can commence. You’ll continue saving as before, except now you’re saving with the intention of investing. Your financial adviser will discuss with you what type of investments and how much you’ll need for investing.

How to find the best financial advisor for you?

There are so many options when it comes to selecting the best financial adviser in Adelaide.  Start by understanding what advice you need?  This could be any of the following categories of advice:

  • Stock and equities advice (from a stock advisor)
  • Investment advice (from an investment advisor)
  • Pension advice (self-funded pensions or Centrelink / DVA / age pension)
  • Insurance advice (life insurance, total and permanent disability insurance, income protection insurance)
  • Free financial advice (for example through the FPA which provides limited access to pro-bono financial advice)
  • Robo advice including automated and online investment solutions (robo advisor or digital advisor)
  • Property investment advice
  • Retirement advice
  • Aged care advice for yourself, partner or an elderly parent of relative

Should you use an ‘independent’ financial advisor?

It’s important to understand the the term ‘independent’ is very restrictive when it comes to financial advisors.  The laws applicable to financial advice state that a financial planner or advisor can only use the words ‘independent’, ‘impartial’, and ‘unbiased’ when the financial adviser does not receive any commissions or volume-based payments, or other gifts or benefits and has no conflicts of interest or influence from any product issuer. This also includes related words like ‘independently owned’, ‘non-aligned’ and ‘non-institutionally owned’.

What most people consider independent when it comes to selecting a financial adviser on the Sunshine Coast or anywhere else is that the adviser is always working in their clients best interests, and not in their own best interests or in the interest of a bank, financial institution or other investment product provider.

Quill Group Financial Planners is owned privately and does not receive any commissions or incentives from financial product providers, which the exception of some legacy investment products (very minor and not applicable to new clients) as well as commissions on insurance products.  For that reason Quill Group Financial Planners cannot under the law call itself an independent financial advisor. Details of the insurance commissions can be found in our Financial Services Guide (PDF).

How to choose a financial planner in Adelaide?

Whether you are based in Wayville, Eastwood, Norwood, North Adelaide, Unley, Glenelg, Kent Town, Henley Beach or the Adelaide Hills the process you should go through to select a financial advisor should be the same.

Ensure the financial adviser is qualified and experienced.  They should at least have a relevant financial planning degree and wherever possible should also be a Certified Financial Planner (CFP) as this is regarded as the highest level of recognition an financial planner can obtain in Australia.

Ask for testimonials from their existing clients.  Many financial advisers grow their business from referrals from existing financial planning clients.  This is a good sign that their services are well appreciated and they are performing well. If you’ve been referred to a financial adviser in Adelaide by a friend or family member, ask yourself whether the needs of that friend or family member are the same as yours.  You could be in a very different stage of your life or have very different financial advice needs.

Also check for online ratings on the financial adviser through Google and Adviser Ratings.  For example Quill Group currently is rated 4.5 stars out of 5 on Google.

Quill Group Sunshine Coast Financial Advisor Google Rating

How much does a financial adviser cost in Adelaide?

The initial fee for financial advice ranges from $1,650 to $7,700 (inclusive of GST). Ongoing fees are determined by the complexity of ongoing work involved and the financial services we provide. These fees enable us to cover the cost of providing this service and include data collection, research, strategy development, continuing training requirements and ongoing administrative costs.

Our minimum ongoing fee starts at $1,650 (inclusive of GST).

Upfront financial advice fees are typically not tax deductible, however ongoing advice fees typically are tax deductible.  This is the same for an SMSF when advice is provided to the trustees, for example investment advice.

All fees are outlined each and every year in a fee disclosure statements which provides the complete details of all financial advice services provided and the applicable cost of those services.

Get in touch with Quill Group Adelaide today

The importance of a financial plan is that you have a road map showing you exactly what your financial goals are and how you’re going to reach them. It’s an exceptionally valuable asset to have in your possession.

Start the first step of your journey to financial freedom today by contacting a Quill consultant.

Whether it’s individual or commercial tax needs, financial advice or strategies to grow your business, the Quill Group has you covered!

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Why choose Quill as your financial adviser?

Our focus when working with our local Adelaide clients is a hands-on approach for a customised result. As independent financial advisors not aligned with any large institution we focus on building a genuine relationship and make sure we get the best outcome for you. Shaping your future is our core value.

  • Highly Qualified and Professional Advisers
  • Transparent, Fixed Fee for Service
  • Constant Communication
  • Personal Service
  • Client Education
  • With you for the long haul
  • Quality and Privacy
  • Investment, Retirement and Superannuation Advice
  • SMSF Advice
  • Aged Care Advice

“A hands-on approach for a customised result. Client satisfaction is our ultimate aim”

Expert guidance from an expert team.

Don’t let your financial position suffer at the hands of others. Contact us to discover how we can help shape your future.

Don’t take our word for it

Here’s what some of our financial advice clients have to say!

  • Over the last 20 years we have always been very happy with the service Katharine Adderley and the rest of the team have provided for us. We always feel very comfortable and relaxed with the advise they give us.
    Malcolm D.
  • Really happy with your service. Katharine always keep me informed of what is happening. Your visits to Alice is important for me as  I think I get more information by having face to face meetings as questions come up that may not happen if on the phone.
    Jennifer W.
  • “In my circumstances you are very good for me. You explain things so I can understand easily even if I do get muddled some times. You look after me very well. Trust is a word that means a lot to me & I have trust in you doing the best for me. Thank you .”
    Josephine L.

How our clients rate our financial advice services

We survey our clients after every meeting with their financial adviser.

9.65/10

Communication

We ask: "How would you rate the communication of our team?"

9.70/10

Meeting Needs

We ask: "How well does our service meet your needs?"

9.65/10

Recommend Quill

We ask: "How likely are you to recommend us to a friend, family member, or colleague?"

9.60/10

Overall Experience

We ask: "Overall, how would you rate the quality of your experience with us?"

Ready to work with your Adelaide financial advisor?

Let us help you shape your future.

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