Click here to see an example of how we could save a 25 year old $3,000 a year in taxes whilst saving for a property

Once we have found all your Super & gathered the info we will propose one of the following plans for you:

  • Basic - Starting at $100p.a. for U30's earning <$6,000p.a.
  • Standard Plan - Starting at $250 for U30's earning >$6,000p.a. *Typical planners charge $1,500 - $3,000 for standard plans
  • Over 30's plan - Starting at $1,000p.a. plus 0.6% of Funds Under Management (FUM)
  • Over 50's plan - Starting at $3,000p.a. plus 1.0% FUM

Note: Under the standard plan we have an example of the fees a customer may pay and the other payments we would receive.

Our Basic $100 plan (if you are earning <$6,000 per year):

Cost:

  • $100 per year from your Super
  • Your initial balance has no FUM fees
  • Any increase on your initial balance will be charged at 0.02% x your age (so if you're 20 years old you will pay 0.40% FUM with the amount you started with excluded).
  • Your FUM rate is fixed so the younger you are when you sign up the less you will pay.
  • Discounts apply for the first 100 customers.

Includes:

  • Superannuation consolidation and management - so we can put all of your super into one easily manageable account and save you fees.
  • We will put together a strategy that will show you where you can save money and what products offer better value for money.
  • We go through all this with you and further improve the strategy. Once you are happy and understand any risks, advantages and disadvantages then you sign off.
  • We review this with you annually and if something changes in between just let us know and we will make the changes you want.
  • We replace inappropriate insurance with a customised solution.
  • We'll recommend better insurance or we'll tell you to leave it alone.
  • We work with you to work out how much cover you need and what is the best balance between different policies.
  • We check with you if you are healthy, are a smoker or have any pre-existing conditions that we may need to disclose to the insurer to help ensure you get appropriate cover.
  • We will recommend an appropriate investment portfolio based on your current situation and tolerance to risk.
  • We typically recommend one, low-cost, fund option where you can focus on stability and growing your balance through contributions.


Our Standard $250 plan (if you are earning ?$6,000 per year):

Cost:

  • $250 per year from your Super
  • Your initial balance has no FUM fees
  • Any increase on your initial balance will be charged at 0.02% x your age (so if you're 22 years old you will pay 0.44% FUM with the amount you started with excluded).
  • Your FUM rate is fixed so the younger you are when you sign up the less you will pay and if you do not require special services your $250 fee won't change either once you reach 30.
  • Discounts apply for the first 100 customers.

Includes everything in the Basic Plan plus:

  • Full assessment to determine your risk profile, investment preferences and Maslow risk factors that Fin15 uses to recommend a customised portfolio.
  • High quality ethical and sustainable investment options.
  • We provide greater transparency around our investment recommendations and offer quarterly reviews and reallocations.
  • Fin15 will conduct an annual audit to help ensure you get paid the right amount.
  • We will be able to complete and lodge your tax return.
  • Discounted rates on extra audit, accounting and tax services if needed - for example if you have your own business or want to set up family trusts.
  • Advice to help you navigate the tax system to take advantage and manage your income more tax effectively.
  • Savings and budgeting plans and strategies.
  • We'll work with you to set savings targets for things like an overseas trip, a business or a property. This can be really beneficial as you start your career and you have a big increase in income so you can easily save a big % of that increase.


Over 30's and Over 50's Plans:

Cost:

  • $1,000 per year from your Super
  • Plus $100 for each year over the age of 30 when you start (so a $40 year old will be charged $2,000)
  • FUM balance will be charged at 0.02% x your age (so if you're 35 years old you will pay 0.70% FUM on the total balance.
  • Discounts apply for the first 100 customers.

Includes everything in the standard plan and is more expensive due to more complex situations:


Coming soon...

Fin15 is currently finalising the legal and regulatory requirements to launch soon!

We are working with an independent group (=not a big bank) and working through all the steps so we have a solid base from which to start.

Our core team has over 50 years of experience in the financial industry and are fed up with how the industry treats their clients. We are on a mission to change that.

Once we are fully compliant we will open our service to a select group of early customers. To be one of our first customers please enter your email below: