Wealth Management and Financial Planning

Get started with Gallagher

Everyone is on a unique pathway in life, with an ever-changing set of goals. Which is why our expert team will work with you to provide simple, transparent advice and solutions to help you achieve them.

Whether you're a busy parent, starting a new business or comfortable in your career, becoming part of the Gallagher family is an investment in your future. We understand that everyone is different and that is why we provide personalised and individual plans for each client. This is what your path to financial confidence will look like.

Before we meet

Before attending the first appointment, think about why you want to build and protect your wealth. What is important to you and your family? Is it retiring early, protecting against risk or working less so you can travel and enjoy what you've earnt? In addition to these personal goals, bring as much information about your current situation as possible including superannuation statements, insurances, investments, loan details and anything else relevant to your finances.

Discovery meeting

You will be provided a full financial health check during your 90-minute first meeting with us. This is an honest assessment of your current financial position, including what you are doing well and areas for improvement. We use interactive graphs and modelling to highlight opportunities for you and give you some tips and tricks to navigating the financial world.

Your plan and fees

Our advice fees depend on how complex your financial situation is, as well as the time involved to research and develop your advice. We are committed to being totally transparent with all advice or implementation fees, so you can always proceed with confidence. We will never commence any advice without your prior consent.

Once we know your financial goals, we will put together a detailed financial plan called a Statement of Advice (SOA). We will hold your hand throughout the implementation journey, and we are strongly focused on education to ensure you are empowered and committed to reaching your financial goals.

Taking action

Once you are confident with your new financial strategy and recommendations, together we will implement the plan. Because you have better things to do, we will complete the necessary application forms and paperwork. We will work with insurers to arrange any assessments you need and will also negotiate the best terms possible for you.

Progress meetings

Once you are in the Gallagher Family, you're a member for life! We like to catch up annually to keep you on track and adjust your plan when relevant. Not only does this allow us to provide ongoing support and keep you up-to-date with any market or legislative changes, it also lets us find out what's new with you!

Our services

We can provide comprehensive advisory services for individuals and their families, for any stage of your financial journey, in a language you understand.

Planning

Once we understand your goals, we'll develop a simple pathway to help you realise them. Because everyone's journey is unique, and it is never too late to get started. Tell us what you'd like your life to be — now, in five years' time and in the longer-term. We'll be with you every step of the way.

• Superannuation and retirement planning
• Tax-effective debt, cash flow, budgeting and savings advice
• Wealth protection and estate planning

Investment

We cut through all the complexity, implementing and managing a straightforward plan focused on sustainable investments that help to protect the planet. Our team of experienced professionals understand the importance of safeguarding and building personal assets, we'll keep costs sustainable and ensure it's diversified for long-term wealth creation.

• Risk assessment
• Investment, portfolio management and income strategies
• Sustainable and tax-effective investing

Finance

We provide a considered perspective that puts your interests first. We will take the time to understand your needs and wants, so we can tailor a financial solution to fit your unique circumstances.

• Second opinion on your loans
• Refinancing
• Releasing equity for investment
• Restructuring loans to minimise tax

Insurance

We believe in making time for what really matters — and that includes important conversations about risk to protect what matters most. Because life can be unexpected, so we'll put measures in place to protect your income, your family and your business assets and revenue, clearly explaining what you need to consider and what level of coverage you need.

• Risk management and asset protection
• Income protection
• Life insurance
• Total and permanent disability (TPD) insurance
• Trauma Insurance 

Better programs

We have developed three key programs, designed to help you, no matter what stage of life you are in. We understand things don't change overnight, so our programs are designed to help you take one step at a time.

• Better today — These are the initial steps and actions you can take now, for immediate results and improvement to set you on the right path to your goals.
• Better tomorrow — Looking forward, we focus on strategies we can implement to hit those key milestones for you, and ensure we make smart choices to confidently plan for your tomorrow.
• Better future — Financial circumstances, personal events and unexpected situations are all part of life. We take a proactive approach to ensure you keep taking confident steps, making smart choices and putting you in control of your future with a program that is comprehensive and adaptable.

Connect with us

Our accredited and highly experienced financial advisors will support you every step of the way and help you achieve your goals in a confident and sustainable way. Talk to one of our experts today to find out how we can help you secure your financial future.