Financial Adviser Cost Calculator
Estimate what financial advice costs in Australia. The upfront advice fee is only part of it, the ongoing annual fee is where most of the lifetime cost sits.
Your financial adviser details
Your estimate sits within the typical range.
Advisers must give you a written fee disclosure and, for ongoing arrangements, an annual renewal you actively sign. Ask for the all-in fee (initial plan plus the first year ongoing) before you engage, not just the headline Statement of Advice price.
Where the money goes
Estimated breakdown for your configuration
💰 Ways to save
- Ask for a fixed-fee quote rather than a percentage of your assets, because a percentage fee quietly scales with your balance for the same work and a flat fee is easier to judge against the value delivered.
- Separate the one-off Statement of Advice from the ongoing fee and decide if you genuinely need ongoing advice, because many people need a plan set up once and a review every few years, not an annual retainer that costs $3,500 to $4,500 a year whether your situation changed or not.
- Use the first meeting, which is usually free, to get the full fee in writing and confirm the adviser is independent of product commissions, because a fee that looks low can be paired with recommendations into products that pay the licensee.
- If you only have one question (for example whether to salary-sacrifice to super), ask for scoped single-issue advice rather than a full plan, as it can cost a fraction of a comprehensive Statement of Advice.
or from $20/week over 5 years , indicative finance
How we estimate this
A one-off Statement of Advice in Australia typically costs $2,500 to $5,500 in 2026, with simple single-issue advice from around $500 to $1,500 and complex situations (an SMSF, a business, a blended estate) running $5,000 or more.
Pricing reviewed: October 2026.
Understanding financial adviser costs in Australia
A one-off Statement of Advice in Australia typically costs $2,500 to $5,500 in 2026, with simple single-issue advice from around $500 to $1,500 and complex situations (an SMSF, a business, a blended estate) running $5,000 or more.
The ongoing advice fee is the bigger lifetime number, commonly $3,000 to $4,500 a year, and it must be renewed in writing every year. Over a decade that is $30,000 to $45,000, so decide whether you need ongoing advice or a plan set up once with occasional reviews.
Frequently asked questions
How much does a financial adviser cost in Australia?
A one-off Statement of Advice typically costs $2,500 to $5,500 in 2026. Simple single-issue advice can be $500 to $1,500, while complex situations run $5,000 or more. Ongoing advice is usually charged separately at $3,000 to $4,500 a year.
What is the difference between upfront and ongoing advice fees?
The upfront fee covers preparing your initial plan (the Statement of Advice). The ongoing fee is an annual charge for reviews and continued advice, commonly $3,000 to $4,500 a year, and it must be renewed in writing each year. Over time the ongoing fee is usually the larger cost, so decide whether you genuinely need it.
Can I get one-off financial advice?
Yes. Scoped, single-issue advice (for example whether to salary-sacrifice to super or how to structure a one-off decision) costs far less than a full plan, often $500 to $1,500, because the adviser only addresses the specific question rather than your whole situation.
Are financial advisers paid commissions?
For most investment and super advice, commissions were banned, so advisers charge fees instead. Life insurance advice is an exception where capped commissions still exist. Ask your adviser to disclose exactly how they are paid and whether they are independent of the products they recommend.
Are you a financial planner?
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