Fixed-fee financial planning

Fixed-fee financial planning

Financial advice for every season of life

Financial advice for every season of life

Calm, considered advice on retirement, investing, insurance and estate planning, with every fee agreed before we begin.

Calm, considered advice on retirement, investing, insurance and estate planning, with every fee agreed before we begin.

Licensed financial advice

Every cost disclosed in writing

Growth over time

Example

Invested

Added

Free 20-minute intro call, no obligation

Growth over time

Example

Invested

Added

Free 20-minute intro call, no obligation

Growth over time

Example

Invested

Added

Free 20-minute intro call, no obligation

  • Fixed fees, agreed upfront

  • Every cost disclosed in writing

  • Advice in plain English

  • Licensed and regulated

  • Face to face or online

  • A plan you can actually follow

How we help

What would you like to sort out?

Pick what’s on your mind and see how we’d help.

How we help

What would you like to sort out?

Pick what’s on your mind and see how we’d help.

How we help

What would you like to sort out?

Pick what’s on your mind and see how we’d help.

Know when you can stop working.

We work out a realistic retirement date and income, then build the plan to get you there and make it last.

A clear retirement date and income target

Age Pension and drawdown planning

Reviews as rules and markets change

Know when you can stop working.

We work out a realistic retirement date and income, then build the plan to get you there and make it last.

A clear retirement date and income target

Age Pension and drawdown planning

Reviews as rules and markets change

Know when you can stop working.

We work out a realistic retirement date and income, then build the plan to get you there and make it last.

A clear retirement date and income target

Age Pension and drawdown planning

Reviews as rules and markets change

Compound growth calculator

Compound growth calculator

See what time and steady saving can do.

See what time and steady saving can do.

Choose a return, how much you add each year and your age range. Watch how growth on growth builds over the years.

Choose a return, how much you add each year and your age range. Watch how growth on growth builds over the years.

No sign-up, nothing stored

See how much comes from growth, not just saving

Bring your numbers to a free 20-minute call

Projected value at age 65, after 35 years
$936,187
You add $220,000Growth $716,187

Illustration only, not a prediction or personal advice. Assumes the return you choose is earned every year, compounded annually, with additions at the end of each year. It ignores fees, taxes and inflation. Actual returns vary and can be negative.

How it works

From first chat to a plan you can follow.

How it works

From first chat to a plan you can follow.

How it works

From first chat to a plan you can follow.

1

1

Free intro call

Free intro call

A relaxed chat about where you are and what you’d like help with.

A relaxed chat about where you are and what you’d like help with.

20 minutes, free

20 minutes, free

2

2

Get to know you

Get to know you

We look at your income, assets, debts and goals in detail.

We look at your income, assets, debts and goals in detail.

About 90 minutes

About 90 minutes

3

3

Your written advice

Your written advice

Clear recommendations in a Statement of Advice, walked through together.

Clear recommendations in a Statement of Advice, walked through together.

2 to 3 weeks

2 to 3 weeks

4

4

We stay with you

We stay with you

If you choose ongoing advice, we review your plan as life changes.

If you choose ongoing advice, we review your plan as life changes.

Every 6 or 12 months

Every 6 or 12 months

Our promises

What you can expect from us.

Our promises

What you can expect from us.

Our promises

What you can expect from us.

Costs in writing

Costs in writing

You’ll know every fee before you commit to anything.

You’ll know every fee before you commit to anything.

Plain English

Plain English

Every recommendation explained in words that make sense.

Every recommendation explained in words that make sense.

Your interests first

Your interests first

We’re required by law to act in your best interests.

We’re required by law to act in your best interests.

No pressure

No pressure

Take your time. A good plan doesn’t need a rushed decision.

Take your time. A good plan doesn’t need a rushed decision.

15+

years advising families

15+

years advising families

Meet your adviser

Meet your adviser

Real people, not a call centre.

Real people, not a call centre.

“Good advice should feel like a weight off your shoulders. My job is to make the complicated simple, and to be there when life changes.”

“Good advice should feel like a weight off your shoulders. My job is to make the complicated simple, and to be there when life changes.”

Sarah Whitfield

Sarah Whitfield

Principal Financial Adviser

Principal Financial Adviser

Certified Financial Planner

Certified Financial Planner

Retirement specialist

Retirement specialist

Ready for a plan you can grow into?

Book a free, no-obligation 20-minute call. We’ll listen, answer your questions and be upfront about whether we can help.

Book your free call

No obligation. General information only until we provide personal advice.

Ready for a plan you can grow into?

Book a free, no-obligation 20-minute call. We’ll listen, answer your questions and be upfront about whether we can help.

Book your free call

No obligation. General information only until we provide personal advice.

Ready for a plan you can grow into?

Book a free, no-obligation 20-minute call. We’ll listen, answer your questions and be upfront about whether we can help.

Book your free call

No obligation. General information only until we provide personal advice.

Friendly, fixed-fee financial planning for every stage of life.

Documents

Financial Services Guide

Privacy policy

Complaints

General advice warning: The information on this website, including the compound growth calculator and articles, is general in nature and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and read any relevant Product Disclosure Statement or Target Market Determination. Consider seeking personal financial advice.

Oak Tree Finance Pty Ltd (ABN 00 000 000 000) is a Corporate Authorised Representative (No. 000000) of Example Licensee Pty Ltd, AFSL 000000.

© 2026 Oak Tree Finance.

Friendly, fixed-fee financial planning for every stage of life.

Documents

Financial Services Guide

Privacy policy

Complaints

General advice warning: The information on this website, including the compound growth calculator and articles, is general in nature and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and read any relevant Product Disclosure Statement or Target Market Determination. Consider seeking personal financial advice.

Oak Tree Finance Pty Ltd (ABN 00 000 000 000) is a Corporate Authorised Representative (No. 000000) of Example Licensee Pty Ltd, AFSL 000000.

© 2026 Oak Tree Finance.

Friendly, fixed-fee financial planning for every stage of life.

Documents

Financial Services Guide

Privacy policy

Complaints

General advice warning: The information on this website, including the compound growth calculator and articles, is general in nature and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and read any relevant Product Disclosure Statement or Target Market Determination. Consider seeking personal financial advice.

Oak Tree Finance Pty Ltd (ABN 00 000 000 000) is a Corporate Authorised Representative (No. 000000) of Example Licensee Pty Ltd, AFSL 000000.

© 2026 Oak Tree Finance.