Financial planning services in Australia.
Most financial planning in Australia is written from one slice of a client's life. At Opes the adviser who writes your Statement of Advice also sees the loan, the insurance and the property decision: super, tax, debt and what follows from them.
Built for households with a complicated picture.
The deliberate niche is medicine, covered on the cover for doctors and specialists page. Beyond that, the brief stays the same: high-income professionals who want a plan, not a product pitch. For households looking ahead, the retirement planning hub brings super, Centrelink and property into one document.
- 01Doctors and specialist doctors.
- 02Young professionals 25 to 35 building from a strong income base.
- 03Pre-retirees and retirees structuring super, Centrelink, aged care.
- 04Small business owners and expats.
- 05Combined household income above $200K.
What financial planning at Opes covers.
Six areas, one adviser, one set of files. Each links to a deeper brief if you want to read before booking. For the long-form reads, see the retirement planning guide and the income protection guide.
Retirement planning
Accumulation, transition-to-retirement, and pension phase strategies tailored to your timeline.
Superannuation advice
Fund choice, consolidation, contribution strategy. Read the whole balance sheet before moving anything.
Tax-effective investing
Franking, negative gearing, trust and SMSF structures sized to your marginal rate and horizon.
Debt management
Good debt versus bad debt. Repayment ordering. Where leverage helps and where it does not.
Aged care planning
RAD and DAP modelling, means testing, and the family conversation that has to happen first.
Personal risk insurance
Income protection, TPD, trauma, life, business cover. Structured so the policy actually pays at claim.
How the advice is delivered.
A comprehensive Statement of Advice. Written, formal, reviewed annually. Hybrid fee model that depends on the products selected. In-person at Docklands or virtual across Australia.
- HUB24
- Praemium
- IOOF
Frequently asked questions.
Opes runs a hybrid fee model. Fees depend on the products selected and the complexity of the plan. We quote in writing after the first conversation so there are no surprises. The initial consultation is free.
Managed-fund recommendations start at a $50,000 portfolio. Advice on super, insurance, and strategy is available without that threshold.
HUB24, Praemium, and IOOF. Platform selection follows the strategy, not the other way around.
Yes. The office is at Suite 11.18, 401 Docklands Drive, Docklands. Virtual meetings are available Australia-wide between 8am and 7pm AEST.
No. Financial planning is a standalone engagement. The connection to broking and buyer's agent work only happens when it serves the client's plan.
Continue reading
- Retirement planningAccumulation, transition-to-retirement, and pension phase strategy.
- Superannuation adviceFund choice, consolidation, contribution strategy.
- Tax-effective investingFranking, gearing, trust and SMSF structures.
- Aged care planningRAD and DAP, means testing, family conversations.
- Personal risk insuranceIncome protection, TPD, trauma, life, business cover.
- SMSF advice and lendingTwo authorisations under one adviser.
Information on this page is general in nature. It does not take into account your personal objectives, financial situation, or needs. Read the relevant Product Disclosure Statement and consider whether personal advice is appropriate before acting on any information here.
Ready to start the plan?
An initial conversation is free and obligation-free. If a written plan is not worth doing, we will tell you.