Advice that holds upin the years that don't
Slate is an independent advice practice. We help households plan for retirement, invest with a bit less guesswork, and get the handful of decisions right that actually move the needle — then leave the rest alone.
Funds under advice
Millions of dollars, at 30 June
| Year | Funds under advice |
|---|---|
| 2018 | $150 million |
| 2019 | $178 million |
| 2020 | $196 million |
| 2021 | $248 million |
| 2022 | $231 million |
| 2023 | $289 million |
| 2024 | $342 million |
| 2025 | $410 million |
Illustrative sample data. Not a performance record.
- $410m
- funds under advice
- 600+
- households advised
- 22
- years in practice
How we work
01
Plan
We start with where you actually are — income, debts, super, what you want the money for. You leave the first meeting with a written plan, whether or not you engage us.
02
Invest
A low-cost portfolio matched to how much risk you can genuinely sit through, not the most you could theoretically tolerate. No in-house products and no commissions.
03
Review
Twice a year, plus whenever something changes. Most reviews end with no action at all, and we would rather tell you that than invent a reason to trade.
How it looks in practice
The two things people ask about first: what their money would actually be invested in, and what the advice costs.
A balanced portfolio
Target allocation by asset class
| Asset class | Allocation |
|---|---|
| Global shares | 30 per cent |
| Australian shares | 28 per cent |
| Fixed interest | 22 per cent |
| Property & infrastructure | 12 per cent |
| Cash | 8 per cent |
What it costs
Annual advice fee, by portfolio size
| Portfolio size | Annual fee |
|---|---|
| $250k | $2,400 |
| $500k | $3,900 |
| $1m | $6,200 |
Illustrative sample data for a fictional firm. Not a forecast, not a performance record, and not advice.
What we advise on
How much you need, when you can stop, and what happens if you stop earlier than planned. Modelled against your real spending, not a percentage-of-income rule.
A diversified, low-cost portfolio and a written reason for every holding in it. If we cannot explain why something is there, it should not be there.
Consolidating old accounts, checking the insurance inside them, and making contributions in the order that leaves the most behind after tax.
Enough cover to stop one bad year undoing a decade, and not a dollar more. We are not paid commission on any policy we recommend.
Wills, beneficiaries and powers of attorney, coordinated with your solicitor so the paperwork agrees with the plan.
The financial side of a decision usually made in a hurry — fees, means testing, and whether the family home has to be sold.
About
Slate has been advising families since 2003. We are independently owned, which means no bank, insurer or fund manager has a say in what we recommend and nobody here is paid a commission or a sales bonus. Our fee is a flat annual amount, agreed before any work starts and charged whether markets go up or down. Most of our clients arrive within a decade of retiring and stay for a good deal longer than that — which is the only measure of an advice practice that really means anything.
More about the practiceWhat clients say
“We came in expecting to be sold something and left with a plan and no invoice. Three years on, the advice has mostly been to leave things alone, which I have come to understand is the point.”
“They talked us out of an investment property we had already half-decided on, and showed us the numbers behind why. It is the most useful thing anyone has done with our money.”
“I wanted to know whether I could retire at sixty. I got a straight answer, in writing, in a fortnight — and the answer came with what would have to change to make it yes.”
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