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Financial Advice

Comprehensive advice, staged into a plan you can actually act on.

No one needs a hundred-page plan dropped on them at once. Fintor builds you a strategic roadmap — the right decisions, prioritised and sequenced in the right order — delivered by a coordinated team and coordinated through one relationship.

Fee-for-service · never commissions One coordinated team Fully licensed & regulated
STABILISE01 · Foundation PROTECT02 · Security GROW03 · Wealth ARRIVE04 · Freedom
What we advise on

20+ strategies, organised around your whole financial life.

Good advice isn't a product — it's knowing which levers to pull, and when. Fintor advises across four building blocks that stack on each other, so every decision reinforces the next and nothing important gets missed.

Block 1

Solid Foundation

Get the day-to-day working harder — cashflow, debt and structure done right, so everything above it stands on stable ground.
  • Savings strategies
  • Banking structure
  • Loan optimisation
  • Debt recycling
  • Financial reserves
  • Education planning
Block 2

Optimal Security

Protect the plan and the people in it, so a setback doesn't undo years of progress.
  • Life, TPD & trauma cover
  • Income protection
  • Legacy protection
  • Ownership strategies
  • Estate structuring
Block 3

Lifestyle Optimisation

Put your money to work — investing, super and property, structured tax-effectively and governed with discipline.
  • Investment selection
  • Portfolio management
  • Property investment
  • Borrowing to invest
  • Super contributions
  • Tax optimisation
  • SMSF
  • SMSF lending
Block 4

Financial Freedom

Turn a lifetime of good decisions into income and choices — and land the transition to retirement well.
  • Retirement planning
  • Superannuation optimisation
  • Transition to retirement
  • Centrelink
  • Aged care

General information only. Personal advice is provided by Fintor's qualified specialists after considering your objectives, financial situation and needs. Not every strategy is right for every person.

The Fintor difference

One plan — prioritised, and staged in the right order.

Most advice overwhelms: a thick document, dozens of actions, no sense of what matters first. Fintor works differently. We map your whole picture, then build a strategic roadmap that prioritises the decisions that move the needle now and sequences the rest — so you take one confident step at a time, and each one builds on the last.

1

Stabilise

Fix the foundations first — cashflow, debt and structure — so nothing above is built on sand.
2

Protect

Lock in the safety nets, so a shock can't unwind your progress.
3

Grow

Now build wealth — invested, structured and governed with intent.
4

Arrive

Convert it into freedom: income, choices and a well-timed retirement.

Your roadmap is a living document. As rates move, laws change and life happens, your Client Success Manager keeps it current and re-prioritises — so the plan always fits the life you're actually living.

One relationship, a whole team

Your Client Success Manager brings the right specialists together, so every part of your plan pulls in the same direction.

1POINT OF CONTACT
6SPECIALIST SERVICES
1MEMBERSHIP
How it works

From first chat to implemented plan — six clear steps.

A calm, transparent path. You'll always know what happens next, and what it costs, before you commit to anything.

1

Introduction

A free 20–30 minute meeting to understand what's on your mind and see if we're the right fit. No cost, no obligation.

2

Getting to know you

You join Fintor's free membership and wealth portal, so we can see your whole picture in one place.

3

Onboarding

Together we confirm your goals, your priorities and the details — so the plan is built on the real picture.

4

Engagement

We present the strategies and your roadmap, with full transparency on scope and fees — before you agree to anything.

5

Your advice

We document formal, personal recommendations tailored to you — your Statement of Advice.

6

Implementation

A dedicated case manager coordinates the specialists and puts your plan into action — stage by stage, as you're ready.

Memberships & fees

Advice you pay for directly — so it's advice you can trust.

Fintor is paid by you, not by product providers. Our advice is fee-for-service and never earns commissions, so our only incentive is your outcome. You'll always see the full cost — and agree to it — before any work begins.

Getting started

Advice & engagement fee

A one-off fee for building your strategy, your roadmap and your formal Statement of Advice. Scoped and quoted upfront, based on the complexity of your situation — never a surprise.
Ongoing

Membership

A recurring membership keeps your roadmap alive — regular reviews, your coordinated team on call, and the next stage implemented as you're ready. Advice is a relationship, not a one-off transaction.

What your membership includes

A dedicated Client Success Manager as your single point of contact
A coordinated team of specialists across every part of your plan
Regular strategy reviews that keep your roadmap current
Your wealth portal — your whole financial picture in one place
Staged implementation, prioritised and coordinated for you
Committee-governed advice — a considered group view, not one opinion

Transparent by design. Fees depend on the complexity of your situation and are quoted before you commit, and set out in our Financial Services Guide. Advice is provided on a fee-for-service basis. Where mortgage broking or personal insurance form part of your plan, those services are provided under their own licences and disclosures (see the footer). This page is general information only and not personal advice.

Free financial education

Not ready for advice yet? Start learning for free.

No pressure to act. The Fintor Education hub has free, plain-English lessons and live calculators, with no email wall — learn the fundamentals at your own pace, then talk to us when you're ready.

Ready when you are

Your team is ready to help. Book a free 30-minute introduction.

No cost, no obligation — just a conversation to understand your picture and point you to the right specialists.

Book your intro →
Book a meeting

Talk to a real person at Fintor.

Let's start with a conversation.

Whether you want a hand knowing where to start or you're ready to get moving, book a time and the right person will be there — no obligation, no jargon.

Send us a message

Fill in the form and we'll be in touch to arrange a time.

By submitting, you agree Fintor may contact you about your enquiry. General information only — not personal advice. We'll never share your details.