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Here's how financial planning advice makes you money

Updated: Aug 1, 2023

Want to know if Financial Planning Advice is right for you? The value of financial advice and how it can benefit you are often misunderstood.

Christine Lusher - Wealth Advisor and Certified Financial Planner Newcastle and Sydney
Christine Lusher - Financial Planning Advice is worth it

The moment you mention you've consulted a QUALIFIED Professional (aka a Certified Financial Planner) you'll hear this:

  • Goodness, don’t get financial advice. How much is it costing you? Do an online course instead!

  • You don't have enough assets/income to benefit from advice.

  • It's so expensive - do it yourself!

  • No financial planner advised me, and I did fine!

  • When I saw a financial planner, they only wanted to sell me life insurance!

  • They will tell you to invest in something they get a kickback from

  • Charge a lot for little benefit


Ok, Uncle Bob or a random person on an internet forum, thanks for your input. Now having said that, let's move on:


Ask yourself: What will it cost NOT to get financial advice?

Yes, you can DIY. Likely you will make a few small changes, but nothing significant to make a BIG difference.

You won't improve your life in a big way or make the most of your biggest financial resource time.

An investment in financial advice will make you money: Here are some of the areas we will cover

  • MONEY COACHING - helping you with your money mindset and identifying habits holding you back.

  • STOP WASTAGE - Making the most of what you have now - let’s get the basics right, budgeting & debt management.

  • Help you document your GOALS and, where needed, give you a dollar figure to match.

  • Organise your DEBT - we'll work with your bank or broker.

  • RETIREMENT STRATEGY - Superannuation and retirement planning advice - map out what you need to do to hit your retirement numbers.

  • INVESTMENT STRATEGY – create a passive income stream for the future.

  • TAX MINIMISATION - in conjunction with your accountant.

  • ESTATE PLANNING - working with your solicitor to ensure everything matches.

  • BACK-UP PLAN - this may mean insurance! It may all fall apart if this isn't in place.

  • Work out your FINANCIAL INDEPENDENCE FIGURE and map out what you need to do to get there.

  • AGED CARE and CENTRELINK ADVICE - if needed.

Many people procrastinate for YEARS before consulting a financial planner. As soon as you see the results, everyone says:


"I wish I'd started sooner"

Here's how to choose a financial advisor

  • Ensure your chosen adviser is licenced and qualified via the Money Smart Website. A Certified Financial Planner is the gold standard.

  • Changed employees or licensees a lot? Hmm, I wonder why?

  • Double-check conflicts. Do they ultimately work for a superannuation fund or property developer? Be warned the advice may be conflicted. Advice should always be at arm's length.

  • What are the fees? Fees should be transparent and easy to understand. We believe a fixed fee is the better way to go rather than a percentage of assets.

  • Do they feel right for you? Do not be swayed by a fancy office or an overly friendly persona.

How we are different

  • With the latest tech and your personal Client Relationship Manager, our processes are as efficient as possible.

  • Dedicated in-house support team - we don't outsource our admin overseas. No double handling here. We get to know you personally.

  • Our flat fees come with flexible payment options to make it affordable for you.

  • Before joining our Lush Life Financial Planning Program, we know that you will be better off financially after advice fees.

  • Make it happen! This is no talk fest. You will only benefit from advice when it is put into action.

  • In-person meetings in Newcastle or Sydney CBD or online Australia wide.


To make the most of financial advice, you need to admit you don't know it all and will benefit from a partner. I'm a financial planner with over 20 years experience, so I'm sure to have options you've never heard of.


Like anything important, the first step is the hardest. Once you get started, you'll have the knowledge and momentum to keep going.


Take action and make 2023 - 2024 the year you put a long-term financial strategy in place!


One 15-MIN Clarity Call is all it takes to get started.





What you need to know


This information is provided and produced by Lush Wealth - Financial Planning Advice Newcastle & Sydney. The advice provided is general advice only as, in preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs, and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product.


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