20 qualified wealth-management appointments in 60 days. Funnel already built below.

Thanks for booking your call. That's genuinely a good decision, and I don't say that lightly, because most people carry the question you're carrying for years without ever sitting down to answer it properly. You've just chosen to answer it. So first, well done.

So a word on what to expect, because I'd rather you show up knowing exactly what it is. It's twenty-five minutes, and it's a conversation. One of our advisers will ask you about where you're at now and where you'd like to end up, and together you'll start to see the gap between the two. If there's a clear way we can help you close it, they'll tell you. And if there isn't, they'll tell you that too, plainly. Nobody's going to push a product at you, and there's no obligation to go any further than that first conversation.

Over the next couple of days you'll get a few short emails from us. Each one just answers a question most people have before a call like this, so nothing on the day catches you off guard. Have a read when you get a moment.

And while you're here, scroll down. Below this video there's a set of short clips, each one answering a question people commonly ask before they speak with us. Watch the ones that matter to you. The more of them you watch, the less time your adviser has to spend on the basics, and the more of your twenty-five minutes goes straight to your situation.

That's it for now. Look through the clips, keep an eye out for those emails, and one of our advisers will speak with you soon.

Let's put this on the table straight away, because it's the first thing most people want to know. The Initial Call is free. Twenty-five minutes with an experienced adviser, and it costs you nothing.

So where's the catch. There isn't one, and the reason makes sense for us as much as for you. This call is how we find out whether we're a good fit for each other. We'd rather spend twenty-five minutes discovering we can genuinely help you, or discovering we can't, than have either side commit to anything before that's clear. If it turns out there's real value in working together, your adviser will walk you through what that looks like and what it costs, in plain numbers, before you decide anything. Nothing gets sprung on you.

One thing worth saying about fees generally. We don't publish a single price on the site, and that's deliberate, because the right advice depends entirely on your situation. What I can tell you is that clients tell us the value shows up quickly. One couple said the advice paid for itself several times over. You'll get a clear sense of that on the call, with no cost to find out.

This is the fear that keeps a lot of people from booking at all, so let's take it head on. What if you get on the call and find out you're further behind than you hoped.

The plain answer is that knowing is almost always better than not knowing, and it's better earlier than later. That's the whole reason the modelling exists, to show you where your current path leads while there's still time to change it. Even if you're behind where you'd like to be, seeing it clearly is what gives you the room to act. The people who really do run out of options are usually the ones who never looked until it was too late.

And it works the other way too. Plenty of people come in braced for bad news and find they're in better shape than they feared, or that a couple of adjustments make a bigger difference than they'd ever expect. Either way, you leave the conversation knowing where you stand instead of guessing. That's the point.

Fair thing to check before you spend your time. So here's who's behind this.

Massey Financial Advice is led by Adam Massey, a Certified Financial Planner with more than twenty years advising professionals and families. He holds a Bachelor of Business and a Diploma of Financial Planning, and he's a Graduate of the Australian Institute of Company Directors and a member of the Financial Advice Association. The firm is a licensed authorised representative and is listed on the Government's MoneySmart Financial Advisers Register, which anyone can look up.

More telling than the letters after a name, though, is what clients say once they've worked with us. People describe advice that was tailored to them rather than pulled off a shelf, professionalism throughout, and a genuine relationship they've kept over years. You can read some of those on the site. The reason that matters is simple. In this industry, trust is the whole thing, and it's earned one straight conversation at a time. The Initial Call is the first of those.

This next bit is the thing that makes us different, and it's the reason people find the conversation so useful.

We use a process called Practical Financial Modelling. Think of it a bit like a crystal ball for your money. You put in your real numbers and your real plans, and it maps out your future net-asset position year by year, so you can actually see how today's decisions shape tomorrow's outcome. Your school fees, that renovation you're planning, the holidays, the year you choose to retire. Every one of those shifts the picture, and this shows you how.

There's a case study on the site, John and Sue, where you watch two versions of the same future play out side by side. Same income, same super, but you can see exactly where one path pulls ahead of the other. When your own numbers are laid out like that, the choices stop being a worry you carry around and become something you can actually decide on with confidence. You won't build the full model on a twenty-five minute call, but you'll get a real taste of how it works and what it could show about your own situation.

Maybe you're organised, your super's ticking along, and you feel like you've got this handled. If so, good, genuinely. So why take the call.

Because being capable and having a clear, tested plan aren't the same thing. Plenty of sharp, successful people manage their own affairs well right up until a second set of experienced eyes spots something they were never going to see on their own. That might be a structural point worth tens of thousands, or it might just be the confidence of having your own thinking confirmed by someone who does this all day. One client said it plainly. They didn't know what they didn't know, and their only regret was that they hadn't come in sooner.

Twenty-five minutes is a small thing to invest to find out which of those you are. If you're already on track, you'll leave reassured. If there's a gap, you'll leave knowing about it while you can still do something. There's no downside to looking.

If you've built a solid balance, this question probably crosses your mind, and it's worth being clear about how we approach it.

For an SMSF, the real question is whether a self-managed fund actually suits your situation and your goals. That's a question of advice, and it's the one most people get backwards. They ask how to set one up before they've properly asked whether they should. We do it the other way around. Your adviser looks at where you are, what you're trying to achieve, and whether an SMSF genuinely helps you get there, or whether you're better served another way.

For context, the firm's own guidance is that SMSFs generally suit people with a higher super balance, usually over $300,000, though more is typically better. That's a starting signpost, not a rule, and it's exactly the kind of thing worth talking through on the call. You'll get a straight read on whether it's even a conversation worth having for you, so you don't end up with a structure you never needed.

Subject: Your call is booked

Hi {first_name},

Your free 25-minute call with an experienced adviser is locked in, and I wanted to say a quick hello before we speak.

This first call is a relaxed conversation. We use it to understand your situation today, where you want to be by the time you stop working, and the gap between the two. You do the talking, we do the listening, and by the end you'll have a clearer sense of whether there's a plan worth building.

There's nothing to prepare and nothing to buy. If it helps, jot down the one retirement question that sits at the back of your mind most often. That's usually the best place for us to start.

Talk soon,
Massey Financial Advice

Subject: Will I have enough

Hi {first_name},

Most people who book this call are carrying the same private worry, even if they'd never say it out loud: will I actually have enough money to retire the way I want, or will I be forced to make sacrifices I didn't plan for?

The uncomfortable part is that hoping doesn't answer it. You can save steadily for years and still have no real picture of where you'll land, because the answer depends on dozens of decisions playing out over decades.

That's the whole reason this call exists. We won't hand you a product or a guess. Instead we'll look at your actual situation and start turning that vague worry into something you can see and plan around.

If that question has been following you around, you're booked in the right place.

Massey Financial Advice

Subject: Like looking in a crystal ball

Hi {first_name},

One thing makes our conversations different from most.

We use a process called Practical Financial Modelling. In plain terms, it lets us map how today's decisions change tomorrow's outcomes. When you retire, whether you help the kids through university, that renovation you keep putting off, the holidays you want to take. Each of those choices moves the picture, and modelling shows you how.

Think of it like looking at your future in a crystal ball. Instead of wondering whether a decision is fine, you can see the year your money might run short, then adjust while you still have room to adjust.

On your call we'll walk you through what this looks like using your own numbers. Most people tell us it's the first time their financial future has felt like something they can actually steer rather than something happening to them.

Massey Financial Advice

Subject: We didn't know what we didn't know

Hi {first_name},

A couple came to us wanting one straight answer: when could they realistically retire, and would they be okay when they did?

They weren't in trouble. Both had worked hard and saved sensibly. What they lacked was a clear view of how their choices connected, so retirement stayed a source of quiet stress rather than something to look forward to.

We modelled their real position and mapped their goals, some of which they discovered they hadn't even agreed on with each other. Then we built a plan around what they actually wanted, not around a product someone wanted to sell them.

Afterwards one of them put it simply: we didn't know what we didn't know. That's the shift we're aiming for on your call. Real clarity you can act on.

Massey Financial Advice

Subject: Not driven by products

Hi {first_name},

You'd be right to be wary of financial advice. Plenty of people have had the experience of sitting down with someone who seemed less interested in their goals than in the product they happened to be recommending.

So let me be clear about how we work. Our role is to simplify the complex and give you advice that's tailored to your goals, not driven by products. The modelling comes first, your situation comes first, and any recommendation has to earn its place inside your plan.

That's also why the first call is free and low-pressure. You get to decide whether the way we think matches the way you want to be helped, before anything else happens. It's simply a genuine conversation about your future, with no commitment attached.

Massey Financial Advice

Subject: The question about your super

Hi {first_name},

If your super balance has grown to a decent size, you've probably wondered whether running your own self-managed fund is worth it, or whether that's a headache best avoided.

It's a good question, and it deserves a straight answer in either direction. An SMSF can give you more say over how your super is invested, including things like direct shares and property, plus some genuine tax and estate-planning advantages. It can also add responsibility that not everyone wants to take on.

The point is that this is an advice decision at heart, well before it becomes an admin one. Whether an SMSF suits you depends on your balance, your goals and how hands-on you want to be, and that's exactly the kind of thing we can talk through on your call. You'll leave with a clear read on whether it fits, with no expectation to set one up.

Massey Financial Advice

Subject: How the 25 minutes go

Hi {first_name},

So you know what to expect, this is roughly how your 25 minutes will run.

We'll start with your situation today and what a good retirement looks like to you, then talk through the main worries, whether that's running out of money, working longer than you'd like, or simply not having a plan you trust. From there we'll show you how the modelling brings those pieces together, and where the gaps sit between your current path and the future you want.

By the end you'll have a clearer picture and a sense of the next step, whether or not you decide to work with us. That's the whole job of this first call.

Massey Financial Advice

Subject: Quick note before we speak

Hi {first_name},

Looking forward to speaking with you.

You don't need to bring anything formal. A rough idea of your super and savings, when you'd ideally like to stop working, and the questions that have been on your mind is more than enough for a useful conversation.

If something's come up and the time no longer suits, reply here and we'll happily find a better one. Either way, we'll make the 25 minutes count.

Massey Financial Advice

Subject: Where will you end up

If you keep doing exactly what you're doing with your money, where will you actually end up?

It's a simple question, and most people can't answer it. Not because they've been careless, but because the real answer depends on decades of decisions that nobody has ever mapped out for them. So the question sits there, unanswered, slowly turning into worry.

You don't need a crystal ball to answer it. What you need is a picture of how today's choices shape tomorrow's outcomes, built from your real numbers rather than a rule of thumb. Once you can see it, the worry has somewhere to go, because you can finally do something about it.

That picture is the whole point of the work we do.

Massey Financial Advice

Subject: Living on the pension

There's a version of retirement most people assume they'll never end up in, and then a surprising number do.

The Pension Review found that 77% of Australians over 65 receive income support, and that many are living on around $34,300 a year for a couple or $22,700 for a single. Those aren't the numbers people picture when they imagine finishing work. They're the numbers you land on when a plan was left to chance.

The good news is that this outcome is rarely about how much you earned. It's about whether anyone ever showed you how your decisions add up over time, and gave you the chance to adjust while adjusting still mattered. That's a fixable problem, and the earlier you look at it, the more room you have to change the ending.

Massey Financial Advice

Subject: Not driven by products

A lot of people avoid financial advice because they assume it comes with a sales pitch attached.

It's an understandable fear. For years plenty of advice was really product distribution wearing a nicer suit, and the person across the desk was paid on what they sold rather than how well you did. That model earned every bit of the distrust it created.

We work the other way around. Our job is to simplify the complex and give you advice tailored to your goals, not driven by products. We model your situation first, understand what you actually want, and only then talk about how to get there. Any recommendation has to earn its place in your plan, or it doesn't belong there.

Massey Financial Advice

Subject: Today's choices, tomorrow's outcomes

A renovation this year, school fees for a good while yet, that holiday you keep promising yourselves, and the year you finally decide to stop working.

None of those feel like retirement decisions when you make them. Each one just feels like life. Yet every one of them shifts the year your money could last to, and most people never see the connection until it's too late to do much about it.

This is exactly what Practical Financial Modelling is built to show. It takes the choices you're weighing up and plays them forward, so you can see the effect before you commit rather than years afterward. You still get to make your own calls, only now with the outcome in view instead of your fingers crossed.

Massey Financial Advice

Subject: Is an SMSF right for you

Once your super grows past a certain point, someone usually suggests you look at running your own self-managed fund.

Where it often goes wrong is that the conversation jumps straight to setup, structure and paperwork. That's the admin. The real question sits earlier and matters far more. Does an SMSF actually suit your goals, your balance and how involved you want to be?

An SMSF can give you more control over how your super is invested, including direct shares and property, along with some genuine tax and estate-planning benefits. It can also hand you responsibilities you may not want. Whether it's right for you is an advice decision, and it deserves to be treated as one before a single form gets filled in.

Massey Financial Advice

Subject: Start with a conversation

If any of these emails have landed close to home, the next step is smaller than you might think.

We offer a free 25-minute call with an experienced adviser. No preparation, no product pitch, no pressure to go further. We simply talk through where you are, where you want to be, and the gap between the two, so you leave with a clearer view than you arrived with.

Most people put this off for years, then wish they'd done it sooner. Twenty-five minutes is a small price for finally knowing where you stand.

Massey Financial Advice