Book Your Free Initial Meeting!

no commissions from investment, superannuation and retirement product providers for new accounts

Enter your details and we will contact you within 24 hours

    How can we help?

    Wealth Managers & Financial Advisers That Listen

    Our professional and holistic approach to financial advice centres around creating and managing valued partnerships with you. We construct personalised financial plans that aim to achieve your financial goals at different life stages. You benefit from Total Wealth Management’s professional advice and proven growth strategies.

    At Total Wealth Management, we pride ourselves on our ongoing service. We regularly review your financial strategies to ensure they remain relevant and keep you on track to meet your financial goals.

    Your Trusted Wealth Management Advisers in Ipswich

    Our Financial Advisers have been working in the financial planning industry for over 20 years. and all our staff have related Financial Planning education so rest assured you are receiving quality service and advice.

    OUR FINANCIAL PLANNING SERVICES

    Our professional financial advisers offer comprehensive advice across a wide range of wealth accumulation, superannuation, retirement and insurance services.

    Pre-retirement and Retirement Planning

    We help you make the most out of your super and assets so that you can enjoy a stress-free retirement.

    Learn More
    Centrelink Maximisation Strategies

    We can help you assess your assets in order to qualify for Centrelink pension and benefits.

    Learn More
    Superannuation Fund and Strategy Advice

    We can make sure that your Superannuation funds count by helping simplify super.

    Learn More
    Personal Risk Insurance

    We can help you ensure your family’s security by preparing for the worst-case scenario.

    Learn More
    Wealth Accumulation

    We can help you protect your future, by planning for wealth accumulation.

    Learn More
    Tax Minimisation and Tax Planning

    We can help you prepare for taxes, and minimise the amount of tax you pay.

    Learn More
    Debt Management

    We help you to plan the debt recycling strategy to pay off your loan easier.

    Learn More
    Lifestyle Expense Planning

    We can help you destress by preparing for big lifestyle expenses.

    Learn More
    Estate Planning

    We can ensure your final wishes are respected through effective estate planning.

    Learn More
    Self Managed Superannuation Funds

    We help you to evaluate and manage one of the most flexible investment options in Australia.

    Learn More

    Your ability to earn an income is your greatest asset. If you’re not seeing the service that fits your current need, don’t hesitate to contact us with your enquiry. Our experienced financial advisers will help you to resolve your concerns in our free consultation!

    Book a Free Consultation

    OUR FINANCIAL ADVISERS

    Rod

    Principal & Senior Adviser

    Emma

    Paraplanner

    Angela

    Administrative Officer

    Clare

    Client Service Officer

    Shenoa

    Adviser Support

    OUR ADVICE PROCESS

    How does it work?

    Step 1

    Get Started

    Contact us by phone or enquiry form about what is important to you and what you would like to achieve.

    Step 2

    Initial meeting

    We will discuss your current financial situation and gain an understanding of your goals and priorities and identify opportunity ‘gaps’, options and choices.

    Step 3

    Plan Development

    An experienced financial planner will then prepare a statement of advice (SOA) that explains in detail the strategies we are recommending to you to help you achieve your financial goals and objectives.

    Step 4

    Implementation of Your Plan

    Once you’re happy with the personalised financial plan we make for you, we’ll start the implementation with the necessary paperwork and follow up on any outstanding issues.

    Step 5

    Review

    will monitor the effectiveness of your strategies as part of a review and keep you updated on their development.

    OUR SUCCESS STORIES

    Tracey

    We weren’t happy with the current financial planning company in QLD that we were dealing with so while talking to my parents’ about our super and financial situation they recommended that we contact Rod at Total Wealth Management. (They have been clients of Rod’s for many years) After our first meeting it was explained to us in great detail what recommendations were that best suited us and why certain policies were chosen. We were given a detailed document (Statement of Advice) at our next meeting with all set up fees and on going fees explained. The financial planning company that we had dealt with previously didn’t communicate with us or provide support or further assistance so that we could understand what was being done. We felt stuck, not only didn’t we understand, we just couldn’t get ahead. Rod and his team at Total Wealth Management gave us hope that we can make a difference to our future planning. During the whole process there was numerous documents and paperwork sent to us by the super company which we didn’t understand, but the TWM team were able to explain in detail and follow up any further information for us. All our policies are now in place and we are looking forward to the future as we continue to get ongoing personal advice from Total Wealth Management.

    Anonymous

    Starting a business is fraught with pitfalls and some of those pitfalls, injury, incapacitation or worse still death are disturbing. The very thought of trying to run an enterprise under the shadow of such pitfalls is scary enough, but not having the means to cover expenses, salaries etc can cause mental problems, family breakdown and many other forms of anguish. Insurance to cover our business was taken out in 1996, with life, critical illness and total and permanent disability components included. The business has long since wound up, however the MLC cover has remained, with the premiums being paid monthly by direct debit. We were more than happy with the cover the Personal Protection Policy offered. Rod Hudson from Total Wealth Management contacted me to “touch base” regarding the MLC policy, which was well overdue for review. I made an appointment and during that brief meeting, I mentioned my only major health issue ever, a robotic prostatectomy for prostate cancer back in 2012. He asked his colleague Monica Knight to join us in the meeting and both he and Monica were of the opinion that my cancer surgery may be claimable under the critical illness component of the policy. Monica then contacted MLC Customer Care and was able to instigate a hypothetical claim to see if a real claim was viable. The actual claim was undertaken with various reports required of the medical professionals involved in my diagnosis and surgery. Other information was also needed, however the MLC claim information pack was easily negotiated. Within two months of that initial meeting, Monica rang me to advise that approximately $80,000 would be transferred into the nominated bank account, but a further surprise was to follow with around $25,000 also being deposited as premium reimbursement since the medical event. My experience with Total Wealth Management has been terrific, but a word to the wise, check all your insurances as a claim like mine could be easily overlooked. To Rod and his team a sincere thank you for the professional and timely manner in which this matter was handled.

    Rod and Judy

    We have been clients of Total Wealth Management for over 15 years and Rod has been our adviser for at least the last 10 years. When we first met Rod we were both still working but since then my husband has retired and I am still currently working. Over these years we have caught up with Rod at least once a year to receive an update on how our investments have performed over the last 12 months. We also get told about any new laws that have been introduced that may affect our investments and Rod at Total Wealth has suggested changes if required. Rod has small personal team: starting with Emma who looks after all the existing clients and does all the behind the scenes work for Rod. Monica looks after all the new clients and helped put together the plan and all the applications when my husband retired in early 2016. We are satisfied with the ongoing advice and guidance from Rod and his team for our investments and future retirement plans. After talking with Total Wealth Management we are able to have the important things in life that we will enjoy in our retirement because of the planning of Rod and his team. One of the worries of my husband retiring and my self still working was how to start sorting the paper work. After one call to Total Wealth a weight was lifted of my shoulders and the support throughout this process has been amazing.

    Jeanette

    I want to say thank you for how you explain each process to me. This is a new experience and it is wonderful to feel confidence in the people who are handling my finances for me. I am so glad that I found Rod and Monica. When I was thinking of retiring the matter of financing seemed a big scary hurdle. Thank you for making the process easy.

    Ervin

    I’ve known Rod and the ladies at Total Wealth for a while now. Not because I’ve been a client of Rod’s, but because I was looking after the gardens (lawn mowing) at the office. Rod has always listened to any general questions I’ve had leading up to the sale of my house and my retirement (at age 74). I’d planned on selling and packing up to travel Australia in my caravan. I’d starting planning and packing what I needed into the van – anticipating the trip into my retirement. The house is now sold and because of my long term relationship with Rod and his staff, I felt more than comfortable trusting Rod to provide me with the financial support to know what to do with the money from the house. I now know that no matter where I am in Australia I will be able to receive a regular income or get access to additional money should something unexpected pop up along the way. I’ve now been travelling for 2 months in the van, and during this whole time, Monica/Emma or Rod have kept me informed about what was happening, when I would expect to see extra money in my bank account and even updating Centrelink. I’m happy knowing they have it under control for me and should I need them they are just a phone call away. They’ve helped with all the stress I had about the money side of retirement, just knowing that I’m not trying to sort out this stuff alone. They are helping me along the way so I’m stress free, worry free and now living the dream. I would have no hesitation referring any-one to Rod and his team.

    Tracey

    Rod and his team at Total Wealth Management gave us hope that we can make a difference to our future planning.

    Rod and Judy

    After talking with Total Wealth Management we are able to have the important things in life that we will enjoy in our retirement because of the planning of Rod and his team.

    Jeanette

    As you would appreciate this is a new experience and it is wonderful to feel confidence in the people who are handling my finances for me.

    Ervin

    They’ve helped with all the stress I had about the money side of retirement, just knowing that I’m not trying to sort out this stuff alone. They are helping me along the way so I’m stress free, worry free and now living the dream.  I would have no hesitation referring any-one to Rod and his team.

    Book Your Free Initial Meeting!

    no commissions from investment, superannuation and retirement product providers for new accounts

    Enter your details and we will contact you within 24 hours

      How can we help?

      FAQs

      Why you should choose Total Wealth Management advisers

      At Total Wealth Management we take a professional and holistic approach that considers all aspects of your financial affairs. We have been serving clients across Ipswich for over twenty years, meaning our advisers bring years of industry experience and are certified and qualified in financial services.

      We operate under the philosophy that “financial planning transforms dreams and aspirations into reality”. As such, we have a commitment to ensuring client satisfaction, which is why we offer a free initial meeting and customised financial advice to suit your situation.

      What makes a financial planner and a financial adviser different?

      A financial planner and financial adviser are different in terms of their specialisation.

      Financial advisers are any professional that can assist you in managing your finances; such as insurance agents, finance managers, estate planners, bankers, legal professionals and many other roles.

      Alternatively, a financial planner is an adviser within a specific industry, such as financial planning. Financial planners assist individuals, families and organisations and can be important in helping meet short and long term financial goals. There is no specific governing body that oversees financial advisers.

      At Total Wealth Management, we consider ourselves financial advisers due to our team’s range of experiences and expertise; from financial services, to accounting, to business and financial strategy, we’re able to help in any situation.

      What is financial planning?

      At TWM, we provide guidance on all aspects of financial planning, because we know that a financial plan is fundamental to achieving personal and financial goals. Financial planning allows you to gain an understanding of your financial positions, and make the necessary changes in order to achieve your personal or organisational goals.

      Financial planning specifically involves developing strategies in order to effectively manage your finances, with the long term goal of accomplishing your dreams. We offer financial planning in a range of specific areas, such as retirement planning, superannuation fund and strategy advice, personal risk insurance, wealth accumulation, tax minimisation and tax planning, debt management, estate planning and more. Our financial planning process is easy; it’s just five steps:

      * Get started
      * Initial meeting
      * Develop your financial plan
      * Implement your financial plan
      * Ensure your strategy remains relevant.

      How can Total Wealth Management advisers manage and invest my money?

      Financial advisers are perfect for when you need help with your wealth management. It can be difficult to confront various areas of your financial planning, such as retirement or estate planning. Alternatively, it can be confusing to manage other areas, such as wealth planning and management, personal risk insurance or tax planning.

      That’s where we come in. Total Wealth Management advisers are trained and experienced so that you can feel comfortable knowing your finances are in great hands. Our qualified adviser will work with you to develop a full picture of your life, goals and finances in order to meet your objectives.

      Once our advisers have an understanding of your situation, they are able to deliver tailor made advice and strategies that help ensure your financial success.

      Who would need a financial adviser?

      We believe that anyone would benefit from working with a financial adviser; regardless of age, career, or net worth. As advisers, our goal is to help you get on, or stay on, the right path with your finances. Whether a financial plan is new to you, or you want help ensuring that your current financial plan is effective, our advisers can give you tailored advice. An additional bonus is that a financial adviser takes the stress out of financial planning, which is suitable for those with no free time or interest in finance. Our advisers can help you if you:

      * Don’t know how or where to start investing
      * Are in need of an estate plan
      * Have an investment plan that isn’t right for you
      * Are looking at planning your retirement

      What does having a financial adviser cost?

      Total Wealth Management is committed to client satisfaction, which is why we offer a free initial meeting. From there we charge on a fee-based mode – we generally offer clients a fixed fee (either $ or %) for most engagements. Our fees can be deducted directly from your investment or superannuation account, or paid by you personally or your business.

      We don’t take commissions from investments, superannuation and retirement product providers for new accounts. For older style existing investment, superannuation and retirement products, we may receive an ongoing commission from your provider. We receive initial and ongoing commission from insurance providers.