Financial advisers & planners · Mackay

How much does Financial advisers & planners cost in Mackay? (2026 price guide)

An initial consultation with a financial adviser is often free or low-cost, but a full financial plan (statement of advice) for retirement, investment or insurance advice typically costs $2,000-$4,000 as a one-off fee. Ongoing advice and portfolio management is usually charged as an annual fee, commonly around 0.5%-1% of assets under management or a flat $1,500-$5,000 per year.

What you pay depends on the complexity of your financial situation, whether advice covers super, insurance, investments or estate planning together, and whether the adviser charges flat fees, hourly rates ($200-$400/hr) or asset-based fees.

Ask for a clear breakdown of how the adviser is paid before engaging them, and check they're listed on ASIC's Financial Advisers Register, since fee structures and qualifications vary significantly across the industry.

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