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.
Through long-term strategies and tailored plans, we want to help you build your wealth to where you want it to be.
We have deep experience in managing our clients money. Tailored investment solutions aligned to your needs & values.
Protecting your income and family is essential for your piece of mind, so get the right advice and guidance to shape your protection.
Superannuation can be complex so we make it easy. Get the right advice and guidance to shape your freedom.
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.
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.
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.
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:
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.
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:
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).
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.
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.
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!
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.
“A hands-on approach for a customised result. Client satisfaction is our ultimate aim”
We are always writing content to help you shape your future.
Don’t let your financial position suffer at the hands of others. Contact us to discover how we can help shape your future.
Here’s what some of our financial advice clients have to say!
We survey our clients after every meeting with their financial adviser.
We ask: "How would you rate the communication of our team?"
We ask: "How well does our service meet your needs?"
We ask: "How likely are you to recommend us to a friend, family member, or colleague?"
We ask: "Overall, how would you rate the quality of your experience with us?"
Let us help you shape your future.
