The value of ongoing advice
Over 10, 20, even 30 years, life changes, and your financial plan should too. At Wattle, we guide and adapt with you, helping over 1,000 Australians retire with confidence.
Changes in 10 years
A lot can change in 10 years and that’s why true value comes from ongoing, proactive advice.
| Year | Life moment | How Wattle help |
|---|---|---|
| Year 1 | Retirement begins | Set up income streams, manage super drawdowns, and structure assets tax-effectively. |
| Year 3 | Markets dip 15% | Rebalance investments, manage risk, and help avoid reactive decisions. |
| Year 5 | Health event or downsizing | Reassess your strategy, release capital, and guide aged care or Centrelink decisions. |
| Year 8 | Rule changes | Stay compliant and optimise withdrawals and contributions as super or tax laws shift. |
| Year 10 | Legacy planning | Help shape your estate plan, reduce complexity, and ensure your wishes are carried out. |
Why advice is worth it
Is advice worth it? We understand the question. In a world of online information and low-cost platforms, it’s easy to wonder whether advice still adds value.
But the research, and our experience say yes, it absolutely does.
Research backed impact:
- Vanguard’s Adviser’s Alpha: Good advice can add +3% per year in net returns over time.
- Russell Investments’ Value of an Adviser: Up to +5.7% per year in total value.
At Wattle, we’ve seen long-term outcomes improve by 2-3% per year for our clients compared to DIY investors. Not just in returns, but in peace of mind and better decisions.