The Pathwise Wealth Experience
What to expect from Pathwise Wealth
We'll make financial make sense
because money shouldn't require a PhD to understand. We speak human, not textbook.
We'll only give advice we'd follow ourselves
if it's not good enough for our own families, it's not good enough for yours.We'll be here for the long haul
through market ups and downs, life changes, and everything in between. This isn't a one-off.
We'll help you move forward
when we say "we'll get that done for you," we mean it. We're problem solvers who take action.We'll always tell you the truth
even when it's not what you want to hear. No sugar-coating or false promises here.
What we're definitely not
Pointless
We don't waste your time with jargon or overcomplicated strategies. Everything we recommend has a clear purpose you can understand.
Judgey
We don't care how you've handled money in the past or what mistakes you think you've made. We're here to help you move forward, not lecture you.
Cookie-cutter advisers
Your mate's strategy might be your financial nightmare. We listen first, then build something that actually fits your life.
Fair-weather friends
When markets get bumpy or life gets messy, we don't disappear. We're here for the real conversations, not just the celebration drinks.
tried & tested
The Pathwise Wealth Process
We've refined our process over years of helping Toowoomba families and professionals get their money sorted.
It's designed to be thorough without being overwhelming, and straightforward without cutting corners. Every step has a purpose - to understand your situation, build a plan that actually fits your life, and make sure it all gets done properly.
STEP 1: CHAT
No pressure, just a conversation to understand your situation and see if we can add value and whether working together makes sense.
STEP 2: BIG PICTURE MEETING
A 60-minute in-person meeting to uncover how you want to spend your time and money now and in the future.
We'll talk through your financial situation, map out your money and life priorities, explore key areas you need to think about and explain how we work and our fees - expect some whiteboard action as we start mapping out possibilities.
Decide if Pathwise Wealth is the right fit for you
STEP 3: STRATEGISE
We'll crunch the numbers and do the research, then come back to you with an outline of the opportunities we've spotted - the quick wins and longer-term strategies that could make a real difference to where you end up financially.
STEP 4: PLAN
We'll present you with your Statement of Advice - a comprehensive document that covers your super, investments, insurance, tax strategies, debt management, and estate planning.
We'll walk you through exactly what we're recommending, why it makes sense for your situation, and what it actually means for your future - all in plain English
STEP 5: IMPLEMENT
This is where our team rolls up their sleeves and coordinates everything that needs to be done to put your financial plan into action.
We'll handle all the forms, phone calls, and follow-ups with providers - keeping you updated along the way so you know exactly what's happening.
STEP 6: SUPPORT
Life happens, things change, rules shift. We're here for the long haul, helping you adjust as life evolves with:
Scheduled reviews - celebrate your wins, review your goals and priorities, rebalance investments (if required) and adjust your plan to suit changes in your life.
Email and phone support - when you have questions or need someone to talk through a money decision.