Oak Advisory

Oak Advisory is an independent financial advice practice in Subiaco with a particular focus on retirement. Its advisers are not tied to a bank, insurer or financial product provider, and the advice is structured around each client's circumstances rather than a preferred product.

The practice operates on a fee-for-service basis. Retirement timing, the income required after work, superannuation arrangements and the place of other investments can be considered together. This makes it possible to distinguish savings intended for the long term from money that needs to remain accessible.

Financial planning connects income, spending, liabilities and family responsibilities to goals with different time frames. The distinction between accessible reserves and money intended for future milestones provides a basis for later investment choices. Wealth management looks at how accounts and holdings work together. The intended role of each asset, the need to access money and changes in personal responsibilities are considered alongside portfolio decisions. Investment advice considers the purpose of capital, liquidity, cost and tolerance for volatility before selecting holdings.

A small team provides a direct advice relationship, explaining options and the reasons behind them. Questions about protection, debt and transferring wealth are considered in the context of the client's broader retirement objectives.