Frequently Asked Questions

We areBrisbane financial advisers and DVA experts. The services we provide include superannuation, investment advice, retirement planning, budget and cash flow advice, personal insurance, tax advice and estate planning Australia wide.

We offer our services to individuals and families, including Defence force members and veterans. Book a complimentary Discovery meeting with us today to get started.

Many people benefit from financial advice when they’re experiencing life changes. Buying a home, starting a family, receiving a DVA offer, planning for retirement, or wanting to grow wealth with confidence. If you’re unsure where to start or want clarity around your options, speaking with an adviser can help you make informed decisions.

We operate under a transparent, client‑first advice model. While “independent” has a specific legal definition in Australia, our recommendations are always based on what is in your best interests. We do not accept commissions on investment products, and our advice is tailored solely to your goals and circumstances.

We combine financial planning expertise with specialist DVA knowledge, allowing us to support both everyday Australians and Defence members with clarity, empathy, and practical guidance. Our advice is personalised, transparent, and focused on long‑term outcomes.

Absolutely. Many clients come to us with little or no financial structure in place. We help you build strong foundations. Budgeting, saving, superannuation, insurance, and investment planning so you can grow wealth with confidence.

At Apex Financial Advice, we will help you secure your future and that of your children by:

• Creating a realistic budget to help you save money and increase wealth.
• Putting plans in place to help you to pay down your home loan, buy an investment property, save for your children’s education or build wealth.
• Helping you find the right insurance to protect your family in the event of an emergency.
• Investing to grow your money over time and reach your financial goals.

A retirement plan will help you make informed decisions about your financial future when transitioning from employment into retirement. It will provide tailored retirement financial advice that covers superannuation management, income stream structuring, investment strategy, and tax-efficient withdrawal options. Our experienced advisers will help in ensuring your money lasts and supports your desired lifestyle. Ongoing reviews and adjustments ensure your financial planning remains aligned with changing market conditions and personal goals. Early planning is important, so call Apex Financial Advice a few years before you intend to retire so we can take advantage of available strategies.

Most clients receive their Statement of Advice within 4-5 weeks of their Initial Consultation provided documents and information are returned promptly. We will always keep you updated throughout the process.

We provide general tax guidance as part of your financial plan. For specialised or complex tax matters, we may collaborate with your accountant or refer you to a trusted tax professional to ensure you receive accurate, compliant advice. We are not accountants and therefore cannot help you with your tax return.

Yes. We can review your existing super funds, compare fees and performance, and help you consolidate accounts where appropriate. This can reduce unnecessary fees and simplify your retirement planning.

Yes. We create personalised investment strategies based on your goals, risk tolerance, and time horizon. Our focus is on long‑term, sustainable wealth creation rather than short‑term speculation.

If you choose ongoing service, we meet with you annually to review your progress, update your strategy, and adjust to any changes in your life or the market. You can also contact us anytime throughout the year for support.

The Discovery meeting with one of our experienced advisers is free of charge. During this conversation, we’ll discuss your financial goals and current situation. It’s an opportunity for us to understand your needs and determine how we can provide value, along with what working together might look like.

Yes, we offer our services as remote consultations via the Teams platform or phone call. Please click this link or call 07 3180 8831 to book a meeting.

At Apex Financial Advice, we have a 4-step process to a brighter financial future:

1. OUR DISCOVERY DISCUSSION – 15 minute phone call

Our discovery meeting is a complimentary 15-minute phone call with one of our experienced Advisers. During this conversation, we’ll discuss your financial goals and current situation. It’s an opportunity for us to understand your needs and determine how we can provide value, along with what working together might look like.

1. INITIAL CONSULTATION – approx 1 hour

During this meeting, we dedicate time to gaining a comprehensive understanding of your unique financial situation, personal goals, and long-term aspirations. This deeper insight allows us to identify the most relevant areas to address, whether it’s wealth creation, retirement planning, risk management, or tax strategies. With this information, we develop a personalised Statement of Advice, designed to align with your needs and guide you confidently toward your financial objectives.

1. STATEMENT OF ADVICE – plan presentation meeting

During this meeting, we’ll walk you through your tailored financial plan in a clear and straightforward manner. Our goal is to ensure you fully understand each component, from the reasoning behind our recommendations to how they align with your goals. We encourage open conversation throughout the session, so you feel confident, informed, and comfortable asking any questions along the way.

1. implementation and review – ongoing service

We may offer ongoing service to clients where we believe it will deliver genuine long-term value, there’s absolutely no obligation to proceed. Should you choose to continue, you’ll have access to year-round support for all your financial matters, ensuring you’re never navigating important decisions alone. Each year, we’ll meet to review your progress, update your plan as needed and discuss the best path forward.

To help us understand your situation, it’s useful to bring:

• Recent superannuation statements
• Details of income and expenses
• Information about debts or loans
• Insurance policies
• Your DVA letter of offer (if applicable)
• Home loan details

If you don’t have everything ready, that’s completely fine, we’ll guide you through it.

No. All initial discussions are obligation‑free. You only proceed if you feel confident that our advice will add value to your financial future.

An average consultation at Apex Financial Advice takes around 1 hour.

Yes. Although we are based in Brisbane (Greenslopes/ South Brisbane), we provide financial advice Australia‑wide through online consultations. Whether you’re in Queensland, interstate, or posted elsewhere with Defence, we can support you remotely.

Yes. Our Brisbane South location is easily accessible, with nearby parking and public transport options. When you book your appointment, we’ll provide clear directions to make your visit simple and stress‑free.

Yes. Although we are based in Brisbane South, we provide financial advice Australia‑wide through online and phone consultations. Many Defence members posted interstate or regionally choose to work with us remotely.

Working with a local adviser means you receive personalised support from someone who understands the Brisbane market, local cost‑of‑living pressures, and the needs of families and professionals in the area. It also makes in‑person meetings easy.

Yes. Many clients search for a “financial adviser near me,” and we offer flexible options to suit your location. You can meet us in person in our Greenslopes/ South Brisbane office or book an online consultation if that’s easier for you.

We understand that many clients have busy schedules. Appointments are held during business hours with online and phone meetings providing additional flexibility.