Personal insurance, business protection and superannuation advice for people who take their financial position seriously — delivered by a licensed adviser, not a call centre.
Initial conversations are obligation-free.
Insurance, business protection and super rarely exist in isolation. Advising across all three means the pieces are built to work together — not sold to you separately.
Life insurance advice for professionals, families and individuals — structured around what your income actually supports.
Protection for the people your business can't run without, and clean succession terms if an owner exits unexpectedly.
Superannuation strategy for the accumulation years, and structured advice for the transition into retirement.
The right structure looks different for a 32-year-old surgeon, a family with a mortgage, and two directors who own a business together. We start with the position, not the policy.
High incomes carry high replacement risk. Income protection and cover structured around your earning capacity, occupation class and tax position.
Mortgage, school fees, a household that runs on one or two incomes. Cover calibrated to what your family would actually need to keep going.
No dependants doesn't mean no exposure. Debt, illness and lost income still land somewhere — usually on you.
Key person cover for the revenue you can't replace overnight, and buy/sell agreements funded properly so an exit doesn't become a dispute.
Contribution strategy, pension phase, and whether an SMSF genuinely suits your circumstances — or doesn't.
An obligation-free conversation about your circumstances, goals and what you already have in place.
A Statement of Advice setting out our recommendations, the reasons for them, and all costs — before you commit to anything.
Applications, underwriting, fund transfers and structuring, managed end-to-end with you kept informed.
Circumstances change. Ongoing reviews make sure your cover and strategy still match your life.
We've built lasting relationships with professionals, families and business owners across Australia and internationally, helping them take control of their financial security and plan with confidence.
Established
Trusted practice
20+ yrs
Industry experience
AUS+
National & international reach
Tell us where you're at. We'll tell you honestly whether advice will add value — and what it would cost before any work begins.
Sydney-based · Meetings in person or by video
Effective 12 September 2025 | Version 9.0 | Read in conjunction with your adviser's Adviser Profile
This Financial Services Guide is issued by Synchron Advice Pty Ltd (AFSL 243313, ABN 33 007 207 650), a wholly owned subsidiary of WT Financial Group Limited (ACN 169 037 058).
When you engage with a financial adviser in Australia to provide financial advice, they need to either hold their own Australian Financial Services License (AFSL) or be authorised to provide advice through a licensee. Synchron Advice Pty Ltd provides support to its advisers including technical, software, educational and administrative resources.
Level 5, 95 Pitt Street, Sydney NSW 2000 | Phone: 02 9248 0422 | Email: info@wtfglimited.com | Website: www.synchronadvice.com.au
Synchron Advice Pty Ltd is licensed to provide financial product advice and deal in the following classes:
Refer to your adviser's Adviser Profile for specific authorisations granted to your adviser.
We are unable to call ourselves independent. The law prevents advisers who receive commissions or work within restrictions from using such words as independent, unbiased, or impartial. Advisers within Synchron Advice Pty Ltd receive insurance commissions. Although we always put your interests before ours when giving advice, we cannot (by law) call ourselves independent, unbiased, or impartial.
Justin Said is a Sub-Authorised Representative of Fortuna Active Wealth Pty Ltd (Corporate Authorised Representative No. 455642) of Synchron Advice Pty Ltd.
Contact: Bondi Junction Westfield Tower 2, Sydney NSW 2022 | Email: justin@fortunawealth.com.au | Mobile: 0411 703 845
Your adviser will provide you with an Adviser Profile setting out the services they can provide and the types of financial advice they are authorised to provide.
If your adviser provides personal advice taking into account your objectives, financial situation or needs, you will receive a Statement of Advice (SoA). This contains the advice, the basis on which it is given, remuneration details and any associations that may have influenced the advice. You can request a copy up to seven years from the date advice was provided.
If your adviser recommends specific financial products, they must provide you with a relevant PDS or product brochure containing key benefits, risks and costs. Read these carefully before making any decision.
For your adviser to provide appropriate advice, you need to:
We are obligated under Anti-Money Laundering and Counter Terrorism Financing Act to verify your identity and source of funds. Your adviser will request identification documents such as passport or driver's license. This information is held securely. We cannot provide services if you are unwilling to provide this information.
Your adviser may provide an introductory or initial meeting free of charge.
After the first meeting, your adviser will discuss fees applicable to your circumstances. Due to varying client situations, fees for plan preparation, implementation, and ongoing services will vary.
| Service Type | Fee Range (inc. GST) |
|---|---|
| Advice preparation (SoA) | $0 – $11,000 |
| Implementation | $0 – $11,000 |
| Ongoing advice (annual) | $0 – $11,000 |
| Ad hoc advice (hourly) | $0 – $440/hour |
Your adviser may receive up-front commission of up to 60% (exclusive of GST) of your first annual insurance premium, and ongoing annual commission of up to 20% thereafter. These payments are made by insurers and are not an additional cost to you. Your adviser may also charge a fee for initial advice and ongoing services.
If you have an ongoing fee arrangement, your adviser must seek your written consent each year to continue. You will be contacted around the anniversary of your arrangement. You have up to 150 days to provide consent. If you do not consent, the arrangement will terminate and no fees will be charged. You can cancel at any time with written notice.
The Licensee initially receives all fees from clients and product providers and distributes them after deducting fees and expenses. The Licensee generally retains a percentage of fees paid under its arrangements with advisers.
We or your adviser may pay a referral fee to a third party for referrals. Further information including estimated amounts is available from your adviser or us on request.
The Licensee or your adviser may receive benefits from product providers such as educational conferences, IT support, or non-monetary benefits (business lunches, event tickets). These cannot exceed $300 or be accepted regularly. Each adviser keeps a register of benefits received. Contact us to view our register.
Synchron Advice Pty Ltd is committed to protecting your privacy and complying with Australian Privacy Principles. We maintain records of your personal profile including investment objectives, financial situation, and needs, as well as all recommendations made to you. You can examine your file by requesting arrangements with your adviser. View our Privacy Policy.
We are committed to providing quality advice and accessible complaint resolution if you are dissatisfied.
Australian Financial Complaints Authority
GPO Box 3, Melbourne VIC 3001 | Phone: 1800 931 678 | Email: info@afca.org.au | Website: www.afca.org.au
ASIC also has a free call info line on 1300 300 630 for complaints and information about your rights.
Synchron Advice Pty Ltd maintains Professional Indemnity insurance in accordance with section 912B of the Corporations Act 2001, covering the conduct of current and former authorised advisers.
Your adviser is not authorised to provide:
Note: While your adviser may provide services through a related entity, this is not under Synchron Advice Pty Ltd authority and Synchron Advice Pty Ltd accepts no liability for such services.
You are responsible for making your own financial decisions. Your adviser provides advice on managing your finances, but the final decision is yours.
Keep your login details confidential to protect your personal information and financial assets. Do not share your login details with your adviser.