Six quick questions, then a plain English snapshot of what is working in your favour and what is worth a closer look.
No account numbers. No documents. Nothing to download.
Scott, Phil & DanielLicensed advisers, not a call centre
What people say afterwards
Real reviews from our Google Business Profile.
★★★★★
Finally found advisors who actually listen. Phil and the crew at Wealthlab explained my super options clearly and without any hard sell. Feeling much more confident now, thanks heaps!
TansolGoogle review
★★★★★
After a bit of a rocky road with previous advice, Wealthlab was a breath of fresh air. Their personalised strategies for retirement planning suited my situation perfectly, and the ongoing support has been top-notch.
Hailey MilkiesGoogle review
★★★★★
Working with Scott has been nothing short of wonderful. He's a great financial planner and our portfolio has grown. My father and I are very happy.
Licensed under AFSL 566193Fixed fees, quoted up frontWe do not sell products
General information only. This page does not take into account your objectives, financial situation or needs. Wealthlabplus Pty Ltd (ABN 29 678 976 424) is a Corporate Authorised Representative (No. 001311287) of Index Tracking Financial Advice Pty Ltd (ABN 47 646 019 543, AFSL 566193). Privacy Policy
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General information only, not personal advice. It does not consider your objectives, financial situation or needs. Read our FSG and Privacy Policy.
Putting your snapshot together
Comparing your answers against patterns we see across Australian retirement planning.
Room to growA base to build onFoundations in place
A general indication based on your six answers. It is not a measurement of your finances.
General information only. What follows is general in nature and based on common patterns across
Australian retirement planning. It has not been prepared with reference to your personal objectives,
financial situation or needs. Consider whether it is appropriate for your circumstances and seek personal
advice from a licensed financial adviser before acting on it.
What you told us
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What is working in your favour
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Common gaps worth knowing about
The snapshot above is general education. Everything below is about our services and how we work. It is not financial advice.
But here's what most people miss.
Most people assume they're either doing fine or completely behind. The reality is, most people sit somewhere in the middle.
Things look okay on the surface, but there are small decisions that can have a big impact over time. And most people don't realise until someone points it out.
Time is your most valuable asset. Not money. Because money can be earned back. Time can't. And the biggest cost we see isn't people making bad decisions… it's waiting too long to make the right ones.
This is where clarity becomes powerful.
A lot of people feel like they should be doing something… they're just not sure what.
Think of it like this: if someone blindfolds you and asks you to hit a target with a bow and arrow, but doesn't tell you where the target is, what are your chances? Pretty much zero.
Now remove the blindfold. Show you exactly where the target is. Give you a few pointers on how to shoot properly. Your chances improve immediately.
That's exactly what this process is. It's about knowing where you're aiming, understanding how to get there, and making sure you're not missing something along the way.
What Working With Us Actually Looks Like
Phil, one of our advisers, recorded this short video to walk you through the process, the costs, and what to expect. No surprises.
A real example from a past conversation
We spoke to someone recently who, on paper, looked fine. Good super. No major issues. Thought they were on track. They'd even spoken directly with their super fund.
But what they weren't told was how their partner's situation affected things. That one missing piece meant they weren't structured correctly… and they ended up missing out on a significant amount in pension eligibility.
Not because they made a bad decision. Just because they didn't have the full picture.
This is one example from a specific client situation. Individual outcomes vary significantly based on personal circumstances. This is not a guarantee or prediction of any particular result.
This is where most people get misled.
A lot of advice focuses on "let's move your super here" or "let's get you better performance." But that's only one piece of the puzzle.
The real value comes from how everything is structured, how you're contributing, how tax is managed, what opportunities are available to you, and knowing what direction you're heading in. That's what we focus on first. Then we look at the vehicle that supports that strategy.
If you're like most people we speak to, you might be sitting in the same super fund for years, using whatever your employer set up, assuming your industry fund is "the right one," or not really sure if anything needs changing.
And that's completely normal. But the reality is, those setups are designed as one-size-fits-all defaults, and may not suit everyone's situation.
You might be thinking…
"Am I actually on track?"
That's the right question. Most people we speak to don't have a clear answer, and getting one is the most valuable first step you can take.
"I probably don't have enough to justify advice."
The people who benefit most often aren't the ones with the biggest balance. Small changes to fees, contributions, and structure often have the largest proportional impact.
"It's going to be expensive."
The first conversation is free. And if formal advice makes sense, our typical fees range from $5,500 to $8,000 for a retiree. You'll know the cost before you commit to anything.
"I should figure it out myself first."
The people who get ahead don't do it alone. They get the right advice at the right time. And the one thing we hear all the time is: "I wish I'd done this sooner."
See if there's anything worth exploring
If you want clarity on where you stand, you can book a quick 15-minute conversation. No pressure, no obligation. A clear, no-pressure conversation about common areas people in a similar position find worth looking into.
You'll speak with Daniel, one of our licensed financial advisers. Not a call centre. A real conversation where you can ask questions and get clearer on where you stand.
What this call actually is
This isn't about being told what to do. It's a conversation. You'll be speaking with Daniel, one of our licensed financial advisers, who can answer your questions and help you step back and see things more clearly.
We'll walk through common scenarios, explain how things generally work, and help you understand the types of options that are typically available. This is a general educational conversation, not personal advice. No pressure. No push.
Pick a time that works for you
15 minutes with Daniel. Educational only. Personal advice is only provided if you choose to engage us formally.
DanielFinancial Adviser. A calm, thoughtful approach to super, investment planning and insurance. Outside work: outdoors, cooking experiments, live music.
Still not sure? Most people come into this conversation just wanting clarity. Worst case, you walk away with a better understanding of where you stand. Best case, you uncover opportunities you didn't realise were there.
Book your free clarity call
Sometimes just saying things out loud, and having someone guide the conversation, can completely change how you see your situation.
The information on this webpage is general in nature and does not take into account your personal objectives, financial situation, or needs. You should consider whether the information is appropriate for your circumstances and seek personal advice from a licensed financial adviser before making any financial decisions. Wealthlabplus Pty Ltd (ABN 29 678 976 424) is a Corporate Authorised Representative (No. 001311287) of Index Tracking Financial Advice Pty Ltd (ABN 47 646 019 543), Australian Financial Services Licence No. 566193.
Scott, Phil & DanielLicensed advisers, not a call centre