Introducing the Financial Autonomy Program

Do you have goals and dreams but are frustrated and not able to make progress?

Our Financial Autonomy Program will:

  • 1

    Enable you to gain control and choice in your life.

  • 2

    Feel confident about your future.

  • 3

    Provide an actionable plan – a road-map – to move you towards the life you deserve.

The Financial Autonomy Framework

The Financial Autonomy Framework


Gain Clarity

We begin with gaining clarity on your goals. We can’t develop your successful strategy if we don’t understand what ultimate success looks like for you.


Cash Flow

Next, we look at your current cash flow management strategy – is there is scope to increase your rate of savings without sucking the joy out of life?


Develop Strategy

With those two foundation elements done, it’s strategy time. What combination of the three pathways will work for you – shares, property, or self-employment?



We sometimes get asked “what about superannuation?”. Don’t worry, this hasn’t been forgotten. Superannuation is simply an ownership structure for your investments. In most cases it will predominantly be invested in shares, but of course there is no one size fits all here.

The Financial Autonomy Framework

Financial Autonomy Program Delivery

1. Discovery Meeting

1. Discovery Meeting

What is the goal you are trying to achieve? What is your current financial and personal circumstances? The aim of this meeting is for you and I to get to know one another and start to build a working relationship. I can also answer any questions that you might have about us.

2. Research and Strategy Development

2. Research and Strategy Development

Following our initial meeting we get to work developing a strategy to achieve your goals. We may need some input from you during this process, clarifying key points to ensure the solution that we ultimately provide will work for you.

3. Strategy Presentation Meeting

3. Strategy Presentation Meeting

We present to you our recommended strategy, how it would be implemented, and the time frame we expect it to take to reach your stated goal. Once again, this meeting can occur via web video call, phone or in our office.

4. Implementation

4. Implementation

Following your feedback on the proposed strategy and any refinement required as a result, we then move to implementation. This is a collaborative element where we handle some elements and you handle others. We aim to project manage the implementation process to ensure the strategy is up and running and functioning as planned.

5. Support/Fine Tuning

5. Support/Fine Tuning

Unexpected things pop-up. The Financial Autonomy program provides 12 months of support. We are available via email to assist you in fine tuning your strategy to ensure it is working for you.


Financial Planning services are provided by Guidance Financial Services Pty Ltd, Authorised Representative of Sprout Financial Pty Ltd AFSL 495546.

Transparency is extremely important to us. Here is what it will cost you to engage our services – nothing hidden and no surprises:

The Financial Autonomy Program costs $5,280, payable over 12 months.

At the conclusion of the Discovery meeting, if we both feel that there’s good scope for us to work together, $990 is payable for us to commence work on building your customised Financial Autonomy strategy. Note that if, following our initial discovery meeting, we determine we’re not a good fit for one another, no fee is payable.

The balance is payable via 11 monthly instalments of $390, starting 1 month from the initial Discovery meeting.

This fee covers the development of your plan, any refinement following feedback from you, full implementation of the recommendations, and support as required for 12 months. At the conclusion of our engagement, you will have a customised strategy up and running and be on the path to achieving the life choices you are seeking.

We are registered advisers with Australian Super, HOSTPlus, ART, Aware Super, Colonial First State, Netwealth and Macquarie Wrap. Where our advice relates to superannuation, we can apportion the fee and charge it to your super fund, if you belong to any of these funds.


Our Financial Autonomy program isn’t the right solution for everyone. In some cases our Guidance financial planning service is a better fit. The Financial Autonomy program is not suitable if:

You have more than $500,000 to invest

You require advice on structures such as SMSF’s or Family Trusts

You are seeking retirement planning advice

For any of these needs, book a Guidance meeting here.


Guidance Financial Services FSG.

Thanks very much for your 10/10 financial planning service. We are so pleased that we approached you to guide us with our goals towards financial autonomy. We will do our very best to spread the word far and wide of your excellent planning. Your well-structured and comprehensive documentation, coupled with your honest, sincere, and 'can-do' manner during our meetings, were clear stand-outs. You have provided us with a very clear pathway to financial freedom, and at a fair price, which has assured us that we are now heading in the right direction.

Ian & Jeanette Hodges

Having never dealt with a Financial Advisor before, I was very nervous at first but found Paul to be very professional and understanding, answering my questions and needs. I have been very happy with the investments Paul has chosen, and he is more than helpful with any questions or queries to assist me in a prompt manner. I would recommend Paul to any of my friends or family.

Brian Taubert

My sister would benefit from a chat with you & I have made a strong suggestion to her to do so. I am thinking I should have sought you out a year ago.

Steve Winzar

Paul is very thorough and is very available to answer or clarify anything. Paul presented all our options and was a pleasure to deal with.

Rita Karagiannis

Thank you so much for making it very clear what would be the best options for me and my family’s future. I am very happy.

Joanne Pope

Ready to Work with Paul?

Ready to Work with Paul?

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