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Fintor isn't one adviser trying to do everything. It's one relationship and a coordinated team of specialists — matched to where you are right now.
One relationship · A coordinated team · Clear financial direction
Takes about a minute · Free · General information only, not personal advice
Your Client Success Manager coordinates the specialists so strategy, lending, insurance and investments actually work together. Advice is built across four building blocks.
Banking, budgeting, lending & debt — the foundation everything sits on.
Ownership, reserves, estate & the right insurance cover.
Structures, tax, investments, property & super.
Make it last — pension, care, legacy & Centrelink.
As your wealth and complexity grow, the depth of your team grows with you — you never have to start again somewhere new.
The big money decisions rarely have an obvious answer. A Fintor membership gives you a team to think them through — and the modelling to back the call.
Should I sell an investment property to help fund my retirement?
Should I sell up to clear the mortgage — or keep the debt working for me?
When we buy the next home, should we keep this one as an investment?
Can I afford to go part-time, or retire a few years earlier than planned?
How do I sell my business without handing a fortune to tax?
Should we start an SMSF — and does buying property in super stack up?
Am I paying more tax than I need to across my structures?
How do we help the kids financially without derailing our own plan?
Is my super and portfolio actually set up to reach my goals?
Whatever the question, your membership gives you a coordinated team to answer it — and a plan to act on.
Both memberships give you a coordinated Fintor team. What changes is the depth of strategy, the seniority of your advisers, and how closely we stay in step with you.
Your membership is recommended by your Client Success Manager based on your situation — not chosen from a menu.
Not sure where you fit? Take 60 seconds and we'll show you.
| Model | Routes here when… | Held by | Pricing | Meeting cadence |
|---|---|---|---|---|
| Who Says whosays.au | PAYG / contract sole trader · under 60 · no SMSF, business or gearing · modest income & assets · not a full-plan request. | Financial Guide + CSM | Engagement $250 · Membership $129/mo · Advice fees $450–$1,500. | Guide-led, check-ins as the roadmap progresses. |
| What's Next? Fintor membership · growing, more complex life | Not Who Says, and none of the complex triggers. The default Fintor membership. | Client Success Manager | Engagement $1,000 · Advice $1,800 · Implementation $200–$2,000 · Membership $149/mo. | Quarterly check-ins (15 min) · 2× half-yearly (1 hr) · annual w/ Adviser & CSM (1.25 hr). |
| What's Possible? Fintor membership · your most complex years | Any of: 60+, has/seeks an SMSF, business owner, or borrowing to invest. | Adviser + CSM | Engagement $1,800 · Advice $3,000 · Implementation $800–$4,000 · Membership $229/mo ($349 w/ SMSF). | Bi-monthly check-ins (15 min) · 2× half-yearly (1.5 hr) · annual w/ Adviser & CSM (2 hr). |
| Fintor Private | Must qualify as wholesale — net/investable assets $2.5m+ OR one person earning $250k+. Asking for private management alone does not qualify. | Senior Adviser | Engagement $2,500 · Strategy $4,000 · Completion $6,000. Ongoing p.a. inc GST: 0.99%→$5m · 0.88%→$7.5m · 0.66%→$15m · 0.44% above. | Senior Adviser-led · strategy & family meetings as required. |
Implementation may be higher depending on the work — always agreed with the client up front. Complex triggers (60+, SMSF, business, gearing) also remove a client from Who Says.
Remember: the pathway is recommended, not chosen. Complexity drives the depth of team — not upsell.
Skip the questions — tell us what’s on your mind and the right person will reach out.
By submitting, you agree Fintor may contact you about your enquiry. General information only — not personal advice.