- About Financial Planning
A financial planner is a licensed professional who helps you build and manage a structured plan for your financial life. At Future Gen Solutions, that means looking at your full picture — retirement, superannuation, investments, insurance, estate planning, and tax efficiency — and developing a personalised strategy to help you reach your goals.
Our role is not just to recommend products. It is to help you understand where you stand, where you want to be, and the clearest path to get there — with someone alongside you as your life evolves.
In Australia, the terms are interchangeable. Both refer to a licensed professional registered with ASIC and authorised to provide personal financial advice. Since the FASEA reforms, all financial advisers must hold a relevant degree, pass the national exam, and complete annual continuing professional development.
At Future Gen Solutions, our advisers are fully qualified and operate under an Australian Financial Services Licence (AFSL). You can verify any adviser’s registration on the ASIC Financial Advisers Register.
Not everyone does — but many people who think they don’t would benefit from one. You are likely to benefit from professional advice if you:
• Are within 10–15 years of retirement and want a clear plan to get there
• Have accumulated assets and want to structure them more tax-effectively
• Own a business and are planning a transition, sale, or succession
• Have a complex financial situation involving super, investments, insurance, and estate planning
• Simply want a trusted, independent perspective on the decisions ahead of you
The cost of good advice is often far outweighed by the value of the strategies it uncovers — and the costly mistakes it helps you avoid.
- Our Services
We provide a broad range of advice across the key areas of personal financial planning:
Retirement planning — building a clear plan to retire on your terms, at the right time
Superannuation advice — contributions, consolidation, investment options, TRIS strategies, and SMSF guidance
Investment advice — portfolio construction, asset allocation, and ongoing management
Estate planning — wills, beneficiary nominations, powers of attorney, and testamentary trusts (in conjunction with your solicitor)
Personal insurance — reviewing life, TPD, income protection, and trauma cover
Wealth management — ongoing strategy and oversight for those building and preserving significant wealth
Business succession — planning for business owners preparing to transition or exit
Yes. We can advise on whether an SMSF is appropriate for your situation and help you understand the responsibilities involved. An SMSF gives you control over your superannuation investments — including the ability to invest in direct property, shares, and other assets — but it also carries significant compliance and administrative obligations.
An SMSF is generally suited to those with a balance of around $250,000 or more, or where there are specific investment objectives that cannot be met through an industry or retail super fund. We will help you evaluate whether the benefits genuinely outweigh the costs and responsibilities in your case.
Yes. Estate planning is an important part of a holistic financial plan. We help you ensure your superannuation death benefit nominations are current and binding, your assets are structured to pass efficiently to the right people, and your financial plan is aligned with your broader estate wishes.
For will preparation and the legal documents themselves, we work alongside your solicitor. Our role is to ensure the financial strategy and the legal structure complement each other — so that what you have built actually goes where you intend.
Yes. We review personal insurance as part of a comprehensive financial plan. This includes life insurance, total and permanent disability (TPD) cover, income protection, and trauma insurance. Many Australians are either under-insured or paying for cover that is poorly structured for their tax situation.
We will assess your current cover (including any held inside superannuation), identify any gaps or inefficiencies, and recommend a structure that protects you and your family appropriately.
- Fees & Costs
The cost of advice depends on the complexity of your situation and the scope of work involved. At Future Gen Solutions, we are transparent about our fees from the outset. After your initial consultation, we will provide a clear fee proposal before any work begins — so you know exactly what you are paying and what you are receiving in return.
Our fees are typically structured as a combination of an upfront advice fee (for the initial plan and Statement of Advice) and an ongoing annual fee for clients who engage us on a continuing basis. Ongoing fees can often be paid directly from your superannuation or investment account where eligible.
Yes. Your first meeting with us is complimentary and carries no obligation. It is a chance for us to understand your situation and for you to get a clear sense of how we work and whether we are the right fit. We want you to feel confident before you commit to anything.
A Statement of Advice (SOA) is a formal document that licensed financial advisers in Australia are required to provide before implementing personal advice. It sets out our recommendations, the reasoning behind them, any product recommendations, and a full disclosure of all fees. You are under no obligation to proceed after receiving an SOA.
The SOA ensures you have everything in writing and can review the advice clearly before making any decisions.
In some circumstances, financial advice fees are tax deductible — particularly ongoing advice fees relating to managing existing investments. However, the deductibility of advice fees depends on your individual situation and the specific nature of the advice provided. This is something we can discuss as part of structuring your engagement with us.
- How It Works
Our process is built around getting to know you properly before we recommend anything. Here is how it typically works:
1. Initial consultation (complimentary) — We meet to understand your current financial position, your goals, and any concerns. No jargon, no obligation.
2. Fact-finding and analysis — We gather the full picture: assets, liabilities, super, insurance, income, estate documents, and your objectives.
3. Strategy development — We build a personalised strategy and prepare your Statement of Advice (SOA), covering all relevant areas of your financial plan.
4. Presentation and discussion — We walk you through our recommendations in plain language and answer every question before you decide to proceed.
5. Implementation — Once you are comfortable, we put the plan into action on your behalf.
6. Ongoing review — We stay alongside you — reviewing your plan regularly and adjusting it as your life, goals, and circumstances change.
For your initial consultation, you don’t need to bring anything specific — it is primarily a conversation. If you have it handy, it can help to have a rough sense of your current super balance, any existing investments or insurance, and your income. But we will guide you through everything we need to gather as the engagement progresses.
Yes. We conduct meetings both in person at our Brisbane office (119 Logan Road, Woolloongabba) and online via video call. Many of our clients across Queensland and interstate prefer the convenience of online meetings, and we find it works equally well for building a strong advisory relationship.
- Retirement & Superannuation
ASFA’s Retirement Standard estimates that a couple needs approximately $690,000 in super for a comfortable retirement (assuming some Age Pension eligibility), and a single person around $595,000. However, these are general benchmarks — the right figure for you depends on your lifestyle expectations, other assets, health, debt, and when you want to stop working.
A personalised retirement projection is one of the first things we build for new clients. It maps out exactly where you are heading under your current trajectory and what strategies are available to improve your position.
The earlier the better — but the most impactful planning typically occurs in the 5 to 15 years before your target retirement date. During this window, strategies such as maximising concessional super contributions, salary sacrificing, and restructuring assets can make a significant difference to your final outcome.
If you are aged 45 or over, now is an excellent time to get a retirement plan in place — even if retirement feels a long way off. The strategies available to you are most powerful when there is still time to compound their effect.
A TRIS (formerly referred to as a TTR — Transition to Retirement) allows you to access a portion of your superannuation as a regular income stream once you reach your preservation age (age 60 for most people), even while you are still working.
A TRIS strategy is typically used to either reduce working hours while maintaining your take-home income, or to boost your overall super balance by salary sacrificing more into super while drawing an income stream to supplement your reduced take-home pay. Whether a TRIS makes sense depends on your individual tax position and super balance — this is something we model carefully for our clients.
Superannuation does not automatically form part of your estate — it is held in trust and governed by your super fund’s rules and your nominated beneficiaries. If you do not have a valid, binding death benefit nomination in place, your super fund’s trustee has discretion over who receives your benefit, which may not align with your wishes or your will.
Ensuring your super nominations are current, binding, and correctly structured is one of the most important — and most overlooked — parts of a financial plan. We review this for all our clients.
An SMSF can be highly effective for the right person — but it is not the right choice for everyone. It gives you direct control over your superannuation investments, including the ability to hold direct property, shares, and other assets. However, it comes with significant trustee responsibilities, annual compliance obligations, and administration costs.
SMSFs are generally most cost-effective for those with a combined balance of $250,000 or more. Before recommending an SMSF, we will assess whether the investment flexibility and potential benefits genuinely justify the cost and responsibility in your specific situation.
- Working With Us
Our clients are primarily aged 45 and over and include:
Pre-retirees — those 5–15 years from retirement who want a clear, structured plan to maximise their position
Retirees — those already in retirement who want ongoing clarity and confidence in their financial position
Business owners — preparing for a business transition, sale, or succession
Professionals and executives — higher income earners with complex financial structures
Medical professionals — managing the unique financial demands of a clinical career
Families — looking to protect, grow, and pass on their wealth
Yes. While we are based in Brisbane, we work with clients across Australia — including the Gold Coast, Sunshine Coast, and interstate. Many of our client relationships are conducted entirely online, which works well for ongoing advisory relationships. If you would prefer to meet in person, our Woolloongabba office is easily accessible.
The best way to find out is through our complimentary initial consultation. There is no obligation and no sales pressure — it is simply a conversation. We are not the right fit for everyone, and we will tell you honestly if we don’t think we are the best match for your situation.
What we can tell you is that our clients value a close, ongoing relationship with their adviser — not a transactional, set-and-forget experience. If that is what you are looking for, we would love to meet you.
Yes. Future Gen Solutions operates under an Australian Financial Services Licence (AFSL) and all advice is provided by qualified, licensed financial advisers who meet the requirements set by ASIC. Before any advice is provided, you will receive a Financial Services Guide (FSG) that clearly outlines who we are, what services we provide, how we are remunerated, and how to make a complaint if needed.
You can verify adviser registration at any time on the ASIC Financial Advisers Register.
Still have a question?
Book a free, no-obligation consultation and speak directly with one of our advisers.
General Advice Disclaimer: The information on this page is general in nature and does not take into account your personal objectives, financial situation, or needs. Before acting on any information, you should consider its appropriateness for your circumstances. We recommend speaking with a qualified financial adviser before making any financial decisions. Future Gen Solutions is an authorised representative operating under an Australian Financial Services Licence (AFSL).