Is Financial Advice worth It? Why the right advice can save (and make) you more than you think

When it comes to planning for retirement, one of the most common questions we hear is: “Is financial advice really worth the cost?”

It’s a fair question. After all, you’ve worked hard for your money - and you're not about to part with it unless you’re confident there’s real value in return.

But here’s the reality: The cost of not getting professional advice can far outweigh the fee of working with a trusted financial advisor.

Let’s explore why.

1. Retirement is too important to leave to guesswork

Most Australians only retire once. You don’t get a practice run. Without a clear, professionally guided plan, it’s easy to:

• Withdraw from your super at the wrong time (and pay unnecessary tax)

• Miss out on investment opportunities

• Overestimate or underestimate how long your money will last

• Be caught off guard by aged care costs or health expenses

• Leave loved ones with unnecessary complications during estate transfer

A financial advisor helps you avoid these pitfalls and more by developing a tailored strategy based on your unique situation, goals and needs.

2. Great advice can pay for itself many times over

Let’s look at just a few ways the right advisor can help you grow, or protect, your wealth:

• Optimise super withdrawals for tax efficiency

• Access government entitlements or Centrelink benefits you may not know you’re eligible for

• Build income streams that last your lifetime

• Avoid emotional investment decisions in volatile markets

• Prevent costly estate planning mistakes

Think of financial advice as an investment, not an expense. In many cases, the strategies we implement at InvestWisely help clients gain or save tens of thousands of dollars over the course of retirement.

3. Peace of mind is priceless

Knowing your money is working for you, and that you’re prepared for life’s unexpected turns, brings a sense of clarity and confidence that simply can’t be measured.

At Investwisely, we pride ourselves on giving our clients that peace of mind. We take the time to understand your values, priorities and concerns. Our advice is not only strategic, it’s personal!

4. It’s about more than numbers, it’s about lifestyle and legacy

Financial advice isn’t just about charts, projections and spreadsheets. It’s about:

• The holidays you’ve dreamed of

• The home you want to stay in

• The grandkids you want to help through school

• The legacy you leave behind

Every choice you make today shapes what your retirement will look like tomorrow. A great advisor helps you make decisions that align with the life you want, and ensures your financial plan supports it.

5. Can you really afford not to get advice?

While some people fear the “cost” of advice, the bigger risk lies in:

• Missing tax-effective strategies

• Holding too much in cash and losing value to inflation

• Retiring too early or too late

• Paying more in aged care fees than necessary

• Running out of money before you run out of life

In short? Financial advice helps protect you from expensive mistakes you didn’t even know you were making.

Work with a team who understands Australian retirement

At Investwisely, we specialise in retirement planning for Australians. Our team has helped hundreds of individuals and couples transition from working life to financial freedom, with less stress, and more certainty.

Whether you’re 5 years from retirement or already enjoying it, we’ll help you:

• Maximise your super and investments

• Plan for aged care and estate needs

• Create an income strategy that supports the lifestyle you want

• Sleep better knowing you have a team of experts in your corner

If you would like to learn more about your retirement options, please give us a call on 02 9634 6698 or book a free consultation with our expert financial advisors at our office in Sydney's Norwest.

Investwisely ABN 34 619 736 248, is a Corporate Authorised Representative 246638 of InterPrac Financial Planning Pty Ltd AFSL 246638.