We partner with professionals, business owners, and families who have built success and now want to refine it. Our clients value structure, tax efficiency, and certainty - seeking advice that connects every part of their financial lives with purpose and precision.

We provide integrated financial planning advice - covering strategy, cashflow and debt management, tax structuring, investments, superannuation, retirement, insurance, and estate planning. Every plan is designed to simplify complexity and create financial order that endures.

Our Process Intelligent advice is structured, transparent, and purposeful. Our process ensures certainty and direction at every stage. Initial Call – Understand your objectives and determine fit. Introduction Session – Define priorities and agree on professional scope. Strategy Session – Assess your position and refine goals. Technical Analysis & Modelling – Develop evidence-based recommendations. Plan Presentation – Present recommended strategies and confirm implementation requirements. Implementation – Execute with precision and care. Ongoing Partnership – Refine as your life and goals evolve. Structure builds confidence. Discipline sustains it.

Our Fees Transparency is fundamental to trust. We charge fixed professional fees - never percentages or commissions on investments. Your fee reflects the depth of strategy and quality of partnership, not the size of your investment portfolio. This transparent structure means you know exactly what you’re paying for and can focus on results, not costs. Initial Phone Call​ Enjoy a complimentary (on our account) initial phone consultation where we discuss your personal and lifestyle goals and chat about how partnering with our team can get you there Personalised Fixed Pricing We charge a professional fee-for-advice on a personal fixed-fee-basis (rather than a percentage-based arrangement). This approach provides peace of mind and ensures your financial plan evolves with your needs We charge for our time, experience and expertise in three distinct ways Strategy Preparation (The Advice) Strategy Implementation (The Set-up) Continuous progress review and monitoring (The Maintenance) Strategy Preparation (comprehensive): The type of strategy you require will vary depending on your particular needs, goals, and objectives and how comprehensive you want your plan to be! That’s why we offer different strategy preparation options to suit your situation. Strategy Implementation: Implementing your recommended strategy takes time, careful execution of important paperwork and forms and can sometimes be difficult. That’s why we give you the option of engaging Think Capital Advice to do this work for you. Wealth Protection Plan / Insurance Implementation : We prefer our clients to pay a professional fee for our implementation work; however, we also understand that many clients prefer a choice of options or combinations of ways to pay. That’s why we also offer you a payment from product provider method, which will reduce the out-of-pocket expense for you (note that this can impact the premiums paid over the life of your policy). We will discuss options and provide complete disclosure of implications in our advice document Ongoing Maintenance: Our maintenance options offer flexibility and expertise to help you build confidence in your financial future, from foundational planning to tailored solutions for complex needs. In-person consultations A fee will be charged for in-person appointments to cover the costs of renting the meeting room and/or to accommodate the extra time and expense to drive to the location. Certain strategy appointments (online or in-person) are fee-for-advice appointments. These will be discussed along the way as you progress your financial planning journey.

The Think Capital structure brings efficiency - and efficiency reduces cost. Our defined process ensures your advice remains compliant, comprehensive, and cost-effective, allowing us to focus on outcomes that genuinely matter to you. We also recognise that some situations are more complex than others. If your circumstances require additional meetings, modelling, or specialist input, we’ll outline these touchpoints clearly during your introduction session. Because we operate as a client-focused business, resources and professional fees are aligned with the level of support you require. This ensures your experience remains consistent with the quality, diligence, and personal attention that Think Capital clients have come to know and trust.