Accessible, Autonomous, Attainable Financial Advice
- Norma Falconer
- Jan 21
- 5 min read
When you think about financial advice, what comes to mind?
Perhaps it’s one of these common challenges:
Managing Tax Complexities
Are you burdened by the feeling that you might be overpaying on taxes? For high-income earners, managing substantial tax obligations can be a significant stressor. Without effective strategies, the burden of compliance and the risk of overlooked opportunities can persist, diverting attention from your most important priorities.
Planning for Retirement
Do you worry about whether your savings will be enough to sustain your lifestyle in retirement? As retirement approaches, uncertainty about your financial preparedness can grow. Questions about generating steady income, handling market fluctuations, and securing a stable future may keep you awake at night, overshadowing the excitement of this new phase of life.
Balancing Competing Financial Priorities
Does it feel like you're constantly stretched thin, trying to juggle competing financial demands? Mortgage repayments, skyrocketing childcare costs, and day-to-day expenses can pile up faster than you anticipate. Striking the right balance between reducing debt and saving for the future can feel overwhelming, leaving little room for confidence or clarity. If any of this resonates, you are not alone...
Rethinking Financial Advice: A Modern Approach
When searching for a financial adviser, there are critical considerations to ensure you make the best choice:
Licensing and Credentials Is the adviser licensed by the Australian Securities and Investments Commission (ASIC) and equipped with the necessary qualifications and experience?
Type of Advice Do you need general advice or tailored personal advice? General advice does not account for individual circumstances, while personal advice aligns with your unique financial goals.
Autonomy Is the adviser tied to a product provider, or are they autonomous and product-agnostic? Autonomous advisers are more likely to deliver unbiased guidance tailored to your needs.
Fee Structure How does the adviser charge for their services? Common models include:
Percentage of Assets Under Management (0.5% to 2% annually)
Flat Fees for specific services
Hourly Rates for time-based services
Performance-Based Fees (less common)
Minimum Investable Assets Are there asset thresholds for access? These can range from $250,000 to $1 million.
Reputation and Reviews Are there testimonials or case studies that reflect the adviser’s reliability and effectiveness?
Services Offered Does the adviser provide solutions tailored to your needs, such as tax-effective strategies, retirement planning, personal insurance solutions or estate planning ?
By evaluating these factors, you can identify an adviser well-suited to help you achieve your financial goals.
Introducing Think Capital Advice
At Think Capital Advice, we specialise in addressing your biggest financial challenges, leveraging the opportunities within reach, and delivering accessible, autonomous, and attainable financial advice. Here’s how we help:
Turning Challenges into Opportunities
Simplifying transitions from wealth accumulation to sustainable retirement income.
Developing tailored strategies to manage debt and rising costs as you approach retirement.
Structuring your finances to maximise savings and minimise taxes.
Delivering Tangible Benefits
Certainty that your savings will sustain your lifestyle.
Confidence in knowing every dollar is working toward your goals.
Control over protecting your wealth and creating a purposeful legacy for your loved ones.
If you’ve read this far, you’re likely to be seeking financial advice that is not only accessible but also tailored to your unique goals. You need an adviser who understands your circumstances and offers effective solutions—quickly and professionally.
Why Choose Think Capital Advice?
Personalised Financial Advice
We provide tailored guidance based on your individual circumstances, covering:
Income, expenses, and savings
Comprehensive strategies for investing, retirement, tax planning, insurance, and estate management
Regular reviews to ensure alignment with your evolving goals
Accessible, Autonomous and Attainable
Think Capital Advice is a licensed, product-agnostic firm with no exclusive ties to providers. We charge a fee-for-advice, ensuring transparency and inclusivity without imposing minimum asset thresholds. This approach guarantees:
Accessibility for all, regardless of investable asset levels
Advice focused on your unique needs
Comprehensive support for wealth-building, debt management, and retirement planning
Unwavering Commitment to Excellence
With over 35 years of financial services experience, our founder, Norma Falconer, brings technical expertise and compassionate, client-focused service. Norma is:
Professionally Licensed and FASEA-accredited
A Tax (Financial) Adviser
Holder of a Post Graduate Diploma in Financial Planning (and many other wealth and investment specialist qualifications)
She combines these credentials with a commitment to making complex financial concepts clear and actionable, empowering clients to achieve financial independence.
Take the Next Step
What’s holding you back from financial clarity and confidence? At Think Capital Advice, we’re here to simplify the path to your goals. Let’s work together to:
Pinpoint your challenges
Develop strategies that align with your aspirations
Create a financial plan that delivers real results
Schedule a call today to see how Think Capital Advice can transform your financial future.
At Think Capital Advice, we believe in empowering our clients with tailored financial strategies to achieve their goals. Curious to know more about who we are and what drives us? Visit our About Us page to learn about our mission, values, and how we’re committed to delivering prudent advice, practical solutions, and progressive results. Let’s create a better financial future together!
 | Norma Falconer is a Business Owner, Entrepreneur, Financial Planner, Portfolio and Invesment Manager, Personal Insurance Specialist and Estate Planner, in Australia, renowned for her prudent advice, practical solutions, and progressive results. As the Founder of Think Capital Advice, Norma combines deep technical expertise with a compassionate, personalised and client-centric approach. Norma specialises in guiding high-income-earning business owners, professionals and their families toward achieving their version of financial independence. Her dedication to excellence is matched by a commitment to making complex financial concepts accessible and actionable for her clients. She is Professionally Licensed, FASEA-accredited, a Tax (Financial) Adviser, and holds multiple qualifications, including a Post-Graduate Diploma of Financial Planning and certifications in results coaching. Beyond her professional achievements, Norma is an advocate for community empowerment and has served on various boards, including Swan City Youth Service and the Business Women’s Association. She is also a recognised speaker and media contributor, sharing insights that simplify the path to financial independence. Leveraging over 35 years of working with high-net wealth families, the team at Think Capital Advice excel in working with you to improve financial stability through maximising cashflow, growing wealth, utilising tax-effective strategies, and ensuring that your legacy is protected. Learn more at Think Capital Advice |
Disclaimers
Think Capital, ABN 93 636 116 295, is a Corporate Authorised Representative (No. 001278398) of Australian Financial Directions Pty Ltd (ABN 14 135 004 947), holder of an Australian Financial Services Licence (AFSL 344971).
While Think Capital provides personal financial advice and offers clients the option to pay for services through commissions from life insurance providers, this does not affect our fiduciary duty to act in your best interests.
For more details, read our Financial Services Guide.
Warning - General Advice Only | Important notice
The information provided in this article and on this website is general information only. It has been prepared without taking into account your individual financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication. You should obtain a Product Disclosure Statement relating to the products mentioned on our website. We can assist you in determining the appropriateness of any product or information mentioned on this website.
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