Understanding the True Value of Financial Advice
One of the most common first questions we receive is: “What are your fees?” While this is a valid and important consideration, adviser costs are only one piece of the equation.
When making financial decisions—especially one as significant as transferring a UK pension to Australia—it’s crucial to look beyond price alone. You wouldn’t choose a doctor based purely on cost, nor do most people buy the cheapest food or clothes without considering quality. Financial advice should be viewed in the same way—as an investment in your future security and peace of mind.
The True Cost of Advice: What Matters More Than Fees
The reality is that an adviser’s fees should be weighed against the expertise, service quality, and outcomes they provide. Here’s what really matters when choosing a financial adviser:
1. Qualifications & Experience
Financial advice is complex, and expertise makes a significant difference. Harding Wealth Management is led by one of the most experienced UK pension specialists in Australia. We hold Certified Financial Planner (CFP) status in both the UK and Australia, a distinction that few advisers can match. Our extensive real-world experience ensures that our advice is both technically sound and practical, giving our clients confidence in their financial decisions.
2. Service & Client Care
At Harding Wealth Management, we take a highly personalised approach, ensuring our clients receive tailored strategies, clear, jargon-free explanations of complex financial matters, and a seamless experience from start to finish. We prioritise responsiveness, attention to detail, and a commitment to long-term relationships—qualities that provide clarity and confidence in every step of the process.
3. Investment Strategy & Cost Efficiency
We believe in evidence-based investing, using low-cost, diversified ETFs with low ongoing fees. This approach ensures that our clients retain more of their returns, avoiding the high annual costs associated with Unlisted Managed Funds. Over time, these savings can have a significant impact on long-term wealth accumulation.
Additionally, we do not recommend investment platforms or wraps for our SMSF QROPS, which further reduces costs. Many platforms charge ongoing percentage-based fees plus fixed annual costs, adding unnecessary expenses. By avoiding these platforms, we provide a more cost-effective investment approach that aligns with our clients’ best interests.
4. Full-Service Wealth Management & Lifestyle Planning
A pension transfer is just one part of your financial future. We go beyond transactional advice, offering comprehensive lifestyle financial planning using world-class financial modelling software. This allows us to create a tailored roadmap for your retirement, ensuring that every decision supports your long-term goals and aspirations.
Are Our Fees High?
Actually, They’re Among the Lowest. Our fees are structured to provide exceptional value while ensuring the highest standard of advice and client care. By focusing on efficiency, transparency, and cost-effective strategies, we help clients achieve better financial outcomes over the long term.
The Bottom Line: It’s About Value, Not Just Price
Even if adviser fees were the lowest in Australia, (ask yourself why that would be the case, and look for hidden commissions) the overall cost impact can be significant if the wrong products and investments are chosen. High fees on investment platforms, costly fund selections, or inefficient tax strategies can erode wealth over time. A well-structured financial plan focuses on cost efficiency while maximising long-term financial outcomes.
Australian advisers are required to disclose fees before proceeding with advice, ensuring full transparency. However, the real question is: Should fees be the key driver in choosing an adviser?
Quality financial advice is an investment in your future. If you’re seeking thoughtful, strategic guidance tailored to your needs, we’re here to help you navigate this important decision with confidence.
