Fees depend on the complexity of your circumstances and the level of advice required. First-year fees typically cover strategy development, detailed planning and implementation, with ongoing annual support available thereafter. All fees are outlined and agreed to upfront before any work begins, with initial advice fees starting from $3,300. 

Yes. While Pathwise Wealth is proudly based in Toowoomba and works closely with individuals and families across the Darling Downs, we also support clients right across Australia. We currently work with clients in Stanthorpe, Brisbane, the Sunshine Coast and the Gold Coast, and we regularly meet via video to ensure distance is never a barrier to quality advice.

The process starts with an initial conversation and then a meeting to discuss your situation and how we can assist to determine whether we are a good fit and if we are able to assist you. If you decide to proceed, you’ll receive a clear outline of the scope of advice, fees, and next steps before any formal work begins.

No. While investments may form part of your strategy, Pathwise Wealth looks at your entire financial position. This includes retirement planning, superannuation, cash flow management, risk protection, and tax-effective structuring to ensure everything works together.

Yes. While retirement is the most common significant life event we assist with, Pathwise regularly supports clients through other major transitions such as serious illness or injury, career disruption, divorce, inheritance, or the loss of a partner.

We also have significant experience helping clients both secure Total and Permanent Disability payouts and manage the funds once received. Having structured financial guidance at this time helps ensure the proceeds are handled carefully, tax-effectively, and in a way that protects long-term financial security, rather than being driven by short-term decisions. 

No, as we are holistic advisers looking at your overall financial situation, there isn't a specific amount required to work with us.

You can begin by booking a short introductory conversation to discuss your situation and goals. This initial chat helps determine whether Pathwise Wealth is the right fit for your needs before moving forward.