Frequently Asked Questions
We know financial decisions can feel overwhelming, whether you are planning for your future or discharging from the Defence Force. Our FAQ’s are here to answer common questions about working with our Advisers, understanding your entitlements, and planning for your future. If you don’t see what you’re looking for, our team is always happy to help.
What Do You Do?
We areBrisbane financial advisers and DVA experts. The services we provide include superannuation, investment advice, retirement planning, budget and cash flow advice, personal insurance, tax advice and estate planning Australia wide.
Who Do You Help?
We offer our services to individuals and families, including Defence force members and veterans. Book a complimentary Discovery meeting with us today to get started.
Do I Need a Financial Adviser?
Many people benefit from financial advice when they’re experiencing life changes. Buying a home, starting a family, receiving a DVA offer, planning for retirement, or wanting to grow wealth with confidence. If you’re unsure where to start or want clarity around your options, speaking with an adviser can help you make informed decisions.
Are You Independent Financial Advisers?
We operate under a transparent, client‑first advice model. While “independent” has a specific legal definition in Australia, our recommendations are always based on what is in your best interests. We do not accept commissions on investment products, and our advice is tailored solely to your goals and circumstances.
What Makes Apex Financial Services Different?
We combine financial planning expertise with specialist DVA knowledge, allowing us to support both everyday Australians and Defence members with clarity, empathy, and practical guidance. Our advice is personalised, transparent, and focused on long‑term outcomes.
Can You Help Me If I’m Just Getting Started with My Finances?
Absolutely. Many clients come to us with little or no financial structure in place. We help you build strong foundations. Budgeting, saving, superannuation, insurance, and investment planning so you can grow wealth with confidence.
Financial Planning & Investment FAQs
What does a Financial Plan for a Young Family look like?
At Apex Financial Services Group, we will help you secure your future and that of your children by:
- Creating a realistic budget to help you save money and increase wealth.
- Putting plans in place to help you to pay down your home loan, buy an investment property, save for your children’s education or build wealth.
- Helping you find the right insurance to protect your family in the event of an emergency.
- Investing to grow your money over time and reach your financial goals.
How can a Retirement Financial Plan help me?
A retirement plan will help you make informed decisions about your financial future when transitioning from employment into retirement. It will provide tailored retirement financial advice that covers superannuation management, income stream structuring, investment strategy, and tax-efficient withdrawal options. Our experienced advisers will help in ensuring your money lasts and supports your desired lifestyle. Ongoing reviews and adjustments ensure your financial planning remains aligned with changing market conditions and personal goals. Early planning is important, so call Apex Financial Services Group a few years before you intend to retire so we can take advantage of available strategies.
How Long Does It Take to Receive My Financial Plan?
Most clients receive their Statement of Advice within 4-5 weeks of their Initial Consultation provided documents and information are returned promptly. We will always keep you updated throughout the process.
Do You Provide Tax Advice?
We provide general tax guidance as part of your financial plan. For specialised or complex tax matters, we may collaborate with your accountant or refer you to a trusted tax professional to ensure you receive accurate, compliant advice. We are not accountants and therefore cannot help you with your tax return.
Can You Help with Superannuation Consolidation?
Yes. We can review your existing super funds, compare fees and performance, and help you consolidate accounts where appropriate. This can reduce unnecessary fees and simplify your retirement planning.
Do You Provide Investment Advice?
Yes. We create personalised investment strategies based on your goals, risk tolerance, and time horizon. Our focus is on long‑term, sustainable wealth creation rather than short‑term speculation.
How Often Will We Review My Financial Plan?
If you choose ongoing service, we meet with you annually to review your progress, update your strategy, and adjust to any changes in your life or the market. You can also contact us anytime throughout the year for support.
Defence & DVA Financial Advice FAQs
When can I make my (PI) Permanent Impairment election?
You can make your election once we have invoiced DVA on your behalf, which is usually the day of your appointment.
After your initial appointment, we will send you a number of forms to complete and sign. One of those forms authorises us to invoice DVA on your behalf. We let you know you can make your election as soon as we have received the completed forms and have invoiced DVA.
If I have DVA funding for Financial Advice, do you invoice DVA directly?
Yes we do. Once we receive your signed Authority to Charge DVA form, we invoice DVA directly so you don’t have to worry about upfront fees or reimbursement.
Does the DVA funding cover the cost of a Financial Plan?
The DVA funded financial advice covers the cost of a financial plan relating to your election. It provides clarity around the options in your letter of offer from DVA. This can include looking at aspects of your financial circumstances so that you can make an informed decision about how the DVA offer will affect social security and other entitlements you may receive as well as what option is most beneficial to you.
In some situations, additional advice may be helpful. For example, where a partner is involved or where broader retirement planning is required. This advice may attract an additional cost however, it will be discussed with you during the Initial Consultation, and you are under no obligation to proceed.
Do You Work With Defence Members Who Are Still Serving?
Yes. We assist currently serving ADF members with superannuation, insurance, transition from defence planning, and understanding future DVA entitlements. Early planning can make a significant difference to long‑term outcomes.
Can You Help with Services Australia or Social Security Advice?
Yes. We regularly assist clients with understanding how their financial decisions may affect Services Australia entitlements, including Age Pension, Disability Support Pension, and DVA‑related payments. We help you structure your finances to avoid unintended impacts.
First Appointment FAQs
What are the Costs?
The Discovery meeting with one of our experienced advisers is free of charge. During this conversation, we’ll discuss your financial goals and current situation. It’s an opportunity for us to understand your needs and determine how we can provide value, along with what working together might look like.
Are Online Consultations Available?
Yes, we offer our services as remote consultations via the Teams platform or phone call. Please click this link or call 07 3180 8831 to book a meeting.
What is your Process?
At Apex Financial Services Group, we have a 4-step process to a brighter financial future:
OUR DISCOVERY DISCUSSION – 15 minute phone call
Our discovery meeting is a complimentary 15-minute phone call with one of our experienced Advisers. During this conversation, we’ll discuss your financial goals and current situation. It’s an opportunity for us to understand your needs and determine how we can provide value, along with what working together might look like.
INITIAL CONSULTATION – approx 1 hour
During this meeting, we dedicate time to gaining a comprehensive understanding of your unique financial situation, personal goals, and long-term aspirations. This deeper insight allows us to identify the most relevant areas to address, whether it’s wealth creation, retirement planning, risk management, or tax strategies. With this information, we develop a personalised Statement of Advice, designed to align with your needs and guide you confidently toward your financial objectives.
STATEMENT OF ADVICE – plan presentation meeting
During this meeting, we’ll walk you through your tailored financial plan in a clear and straightforward manner. Our goal is to ensure you fully understand each component, from the reasoning behind our recommendations to how they align with your goals. We encourage open conversation throughout the session, so you feel confident, informed, and comfortable asking any questions along the way.
implementation and review – ongoing service
We may offer ongoing service to clients where we believe it will deliver genuine long-term value, there’s absolutely no obligation to proceed. Should you choose to continue, you’ll have access to year-round support for all your financial matters, ensuring you’re never navigating important decisions alone. Each year, we’ll meet to review your progress, update your plan as needed and discuss the best path forward.
What Should I Bring to My First Meeting?
To help us understand your situation, it’s useful to bring:
- Recent superannuation statements
- Details of income and expenses
- Information about debts or loans
- Insurance policies
- Your DVA letter of offer (if applicable)
- Home loan details
If you don’t have everything ready, that’s completely fine, we’ll guide you through it.
Is There Any Obligation to Proceed After the Initial Discovery Meeting?
No. All initial discussions are obligation‑free. You only proceed if you feel confident that our advice will add value to your financial future.
How long is a Typical Consultation?
An average consultation at Apex Financial Services takes around 1 hour.
Brisbane Financial Adviser FAQs
Do You Offer Advice Outside Brisbane?
Yes. Although we are based in Brisbane (Greenslopes/ Woolloongabba), we provide financial advice Australia‑wide through online consultations. Whether you’re in Queensland, interstate, or posted elsewhere with Defence, we can support you remotely.
Is Parking or Public Transport Available Near Your Office?
Yes. Our Brisbane South location is easily accessible, with nearby parking and public transport options. When you book your appointment, we’ll provide clear directions to make your visit simple and stress‑free.
Can You Help Me Even If I’m Not Located in Brisbane?
Yes. Although we are based in Brisbane South, we provide financial advice Australia‑wide through online and phone consultations. Many Defence members posted interstate or regionally choose to work with us remotely.
Why Should I Choose a Local Brisbane Financial Adviser?
Working with a local adviser means you receive personalised support from someone who understands the Brisbane market, local cost‑of‑living pressures, and the needs of families and professionals in the area. It also makes in‑person meetings easy.
Can I Meet with an Adviser Near Me?
Yes. Many clients search for a “financial adviser near me,” and we offer flexible options to suit your location. You can meet us in person in our Greenslopes/ Woolloongabba office or book an online consultation if that’s easier for you.
Do You Offer After Hours or Weekend Appointments?
We understand that many clients have busy schedules. Appointments are held during business hours with online and phone meetings providing additional flexibility.
Still Have Questions?
Every financial situation is different, and sometimes a quick answer isn’t enough. If you’d like to discuss your circumstances with a qualified adviser, our team is here to help.
Submit an enquiry below or give us a call on 07 3180 8831