We work to build and implement a financial plan for YOU.
Ongoing, Holistic Independent Financial Advice
We provide holistic and independent financial advice. Our advice is different for every client we see. We don't have a list of pre-defined services, strategies or products. A core part of our philosophy is recognising that every client is different and our value lies in our ability to provide financial advice tailored for each client's individual circumstances.
We work with clients to build and implement a financial plan for them. We consider and discuss alternatives, we help clients understand their choices and trade offs. Once a decision has been made, we assist clients to put their plan into effect.
Part of our work is the ongoing management of our client's financial plans. We work with them to ensure they stay on track to make modifications where the situation dictates. Our clients tell us they value the ability to have conversations about issues or challenges they face with someone who understands their situation. Financial confidence comes from knowing that we will always be honest with them and do our best to help them.
Our Values
Tupicoffs is Australia's leading independent financial planning practice.
For discerning families that want to ensure there are no conflicts or biases in the advice they receive, Tupicoffs is the obvious choice. It's great to know that the advice you are receiving is always going to be in your best interests.
We are Independent Financial Advisors. We don't use the term 'independent" lightly. "Independent" is a controlled term under the Corporations Law. Only financial planners who can meet a rigorous set of standards set out under Section 923A of the Corporations Act can describe themselves as independent or unbiased.
Anyone who receives any form of commission or sales incentive cannot call themselves independent. Similarly if ownership or control exists with a financial product provider then the term independent cannot be used. There are only a very small number of financial planners or financial advisers in Australia who meet the definition of independent.
All our financial planners have signed our Declaration of Independence and confirm annually they meet all the criteria to be called independent. Independence is an important part of who we are and what we do.
Our Fees
Tupicoffs charge an annual fee. This covers all our work for the year. There are no other fees or charges for preparing Statements of Advice or implementing recommendations and financial advice, nor do we charge asset based fees.
We do not receive any form of commission or remuneration from financial institutions. Each year our clients have the option to re-engage us for another twelve months
Our fee varies for each client based on the amount and complexity of work required. After our initial meeting we will send a client agreement and a price for our work. Clients can make a decision about whether they wish to use us after they have received our client agreement and fee quote, and had time to consider them.
If we don’t think we can add more value than the financial advice will cost then we will be upfront about that as well. We won’t take on clients unless we believe we can add value relative to the cost.
Our Services
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Independent Financial Advisers
Comprehensive financial advice, individually tailored to every client.
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Retirement Planning
Working with you to ensure that your money can facilitate the retirement of your dreams.
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Investment Advice
Tailored to your interests and risk level, so your money is always in the best investments for you.
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Superannuation & SMSF Advice
Traditional or self managed, we are well versed in the options and can help you decide which is best for your goals.
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Property Investment Advice
Together we can ensure your investment property is perfectly chosen to help you reach your goals.
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Business Succession Planning
Whether you're selling your business or handing it to the next generation, we are here to make sure it all goes off without a hitch.
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Estate Planning
As comprehensive and straightforward as we can make the process, for you and your loved ones.
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Wealth Management
We are committed to ensuring that your wealth grows the way you envision. To reach the goals you have for your financial future.
How the Tupicoffs Process Works
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We are open Monday - Friday 08:30am to 05:00pm.
If you’re outside our hours, no worries.
Send us a quick email ([email protected]), fill out the form on our contact page, or leave us a voicemail message (07 3221 3066).
We’ll get back to you as soon as we can.
The Initial Appointment
If during our discussion we think we can help and value add to your situation the next step is our initial appointment.
This is your chance to meet your financial planner one on one, discuss your financial information, your financial goals, and what you can expect from us as your financial advisers.
After this meeting we will send you a Client Agreement to be signed. This spells out how we will work with you and the costs. You can take your time to read through the document, understand our services and the cost, and ask us any questions.
The Onboarding Process
Once the agreement is signed the work begins.
Your financial adviser begins the process of creating your financial plan. This takes into account your life stage, your financial situation, and the goals you discussed in the initial appointment.
All of our advice is individually tailored to each client, your plan will be uniquely yours, and therefore must be customised from start to finish. Given the broad range of areas we cover in our advice, our financial plan is a comprehensive and detailed document.
You can engage our expertise predominantly in the following areas:
Retirement Planning and Advice
Investment Advice
Superannuation and SMSF Advice
Succession Planning and Advice
Estate Planning
General portfolio and Wealth Management
Property Investment
The Financial Plan
Once the plan is ready we set up another appointment with you. Your financial adviser will present the plan to you, being sure to provide comprehensive explanations on the recommendations within and why they were selected.
At this stage you can ask any questions you have of your planner. Our policy is to ensure that you have as thorough an understanding of your finances as you would like. This keeps you firmly in the loop of your money, and often we find this reduces financial stress. The better your understanding of the choices in the plan the easier the implementation steps will be.
Our clients are often with us long term so this likely will not be the last Tupicoffs financial plan presented to you. Feel free to take notes, provide feedback, and ensure your complete understanding of the plan. It is of course also yours for the taking, however it is important to remember that they do not remain current/relevant indefinitely.
The Implementation Stage
After we have explained and agreed on a course of action, we begin implementation.
Implementation looks different for every client depending on their areas of concern. We will work with you to implement the plan, whether it involves an investment portfolio, insurance recommendations, or a Self Managed Super Fund (SMSF) we are there every step of the way.
Our team of planners, paraplanners, and client service managers all work to make this process as stress free as possible for you.
Our advice is ongoing. Once your plan is implemented we will revise elements as you meet your goals. If for any reason your goals change, or you have any concerns about changes to the financial landscape we can adjust your strategy accordingly.
f there are changes to investments or legislation that affect you we will reach out to you to discuss them. If you have any questions or concerns we are on hand to help however we can.
Long Term Advice
Tupicoffs prides itself on our long term relationships with our clients. We have the knowledge and expertise to advise you through all of life’s different stages. We enjoy working with our clients as they reach their goals and helping them set new ones.
We continue to see our clients multiple times a year and we provide them ongoing advice adapted to their changing circumstances.
We worry about our clients money, so they don’t have to.