About Primary Wealth

What is the Primary Wealth phone number?

You can contact Primary Wealth on 1300 430 837.

Is Primary Wealth legitimate?

Who are Primary Wealth?

Primary Wealth Management Pty Ltd is a licensed financial advice firm and a Corporate Authorised Representative of Guidance Advisers Pty Ltd (AFSL 540341), which is regulated by the Australian Securities and Investments Commission (ASIC).
We provide personalised financial advice to help Australians grow, manage, and protect their wealth, and plan for retirement with confidence.

Is Primary Wealth licensed?

Yes. Primary Wealth Management Pty Ltd is a Corporate Authorised Representative of Guidance Advisers Pty Ltd (AFSL 540341). This licence is regulated by the Australian Securities and Investments Commission (ASIC), which oversees financial advice businesses in Australia.

Who owns Primary Wealth?

Primary Wealth is an Australian privately owned financial advice business. We are not owned by a bank, super fund, or investment company, which allows us to provide advice based on what is appropriate for each client’s individual situation.

What does Primary Wealth do?

Primary Wealth provides personalised financial advice designed to help clients:

- Grow their superannuation and investments
- Plan for retirement
- Protect their income and family with insurance
- Reduce financial stress and uncertainty
- Build long-term wealth

Our goal is to help clients understand where they stand financially and what steps they can take to improve their position over time.

Is Primary Wealth connected to Shield Master Trust or First Guardian?

No. Primary Wealth has no association or connection with Shield Master Trust, First Guardian Master Fund, or similar failed investment schemes.

We have strict research and compliance processes in place when recommending any investment or superannuation strategy, and all advice is provided by licensed financial advisers under an Australian Financial Services Licence.

Financial Advice

What does a financial adviser do?

A financial adviser helps you make better decisions with your money and plan for the future.

This can include advice on:
- Superannuation
- Retirement planning
- Investments
- Insurance
- Tax-effective strategies
- Structuring your finances properly

Most people don’t need more financial products — they need a clear plan and someone to help them make smart financial decisions over time.

Is financial advice worth it?

Yes. Primary Wealth Management Pty Ltd is a licensed financial advice business operating under an Australian Financial Services Licence and regulated by the Australian Securities and Investments Commission (ASIC). Financial advisers in Australia must meet education, training, and ethical standards and are required to act in their clients’ best interests.aMany people wonder whether financial advice is worth the cost. Good advice should put you in a better financial position over time, help you avoid costly mistakes, and give you clarity about your future.

For many people, the biggest value of advice is understanding where they stand now, and what they should be doing next.

How do I know if I need a financial plan?

Many people seek financial advice when they want to:
- Know if they are on track for retirement
- Improve their superannuation
- Reduce tax
- Protect their family financially
- Make better financial decisions
- Plan for retirement

If you want to understand where you stand financially and what you should be doing next, a financial plan can help provide clarity and direction.

How do I know the advice I'm getting is objective?

Primary Wealth is not owned by a bank, super fund, or investment company. This means we are not tied to any specific products.

Financial advisers are required by law to act in their clients’ best interests and provide advice that is appropriate for their personal situation.

Our role is to explain your options, the pros and cons, and the costs, so you can make an informed decision.

Super & Retirement

How much super should I have at my age?

There’s no exact number that suits everyone, but your super should generally be on track to support the lifestyle you want in retirement.

Many Australians are surprised when they find out whether they’re ahead or behind where they should be.

If you want to know whether you’re on track, the first step is understanding where you currently stand.

Can I retire at 60 with my super?

In Australia, you can generally access your super from age 60 if you have reached your preservation age and retired, or if you start a Transition to Retirement pension.

Whether you can afford to retire at 60 depends on how much super you have, how it’s invested, whether you have debts, and how much income you’ll need in retirement.

Some people can retire at 60 comfortably. Others may need to work longer — but with the right plan, retirement may be closer than you think.

How much money do I need to retire in Australia?

The amount you need depends on the lifestyle you want in retirement, but as a rough guide:

If you own your home outright:

- A modest retirement may require around $400,000 – $500,000

- A comfortable retirement is often around $650,000 – $1,000,000

If you want to travel overseas, help the kids financially, or simply have more freedom and flexibility in retirement, you may need more. Everyone’s situation and needs are different.

The important thing is whether your current super and investments are on track to produce the income you’ll need. That’s something our financial advisers can help you work out, so you can understand where you stand and what your options are.

How do I know if my super fund is performing?

Most people don’t actually know how their super is invested or how it’s performing.
A review can show your investment performance, fees, insurance, and whether your super is set up correctly for your situation and goals.

Should I consolidate my super funds?

Many Australians have multiple super funds and are paying multiple sets of fees and insurance premiums without realising it.

Consolidating super can sometimes reduce fees and make your super easier to manage, but it’s important to check insurance before making any changes.

How often should I review my super?

Most people should review their super every 1–2 years, or when major life changes happen like changing jobs, getting a mortgage, having children, or approaching retirement.

Insurance

Do I need life insurance?

Life insurance is designed to protect your family financially if something happens to you. For many people with a mortgage, children, or a partner who relies on their income, insurance is an important part of a financial plan.

What is income protection insurance?

Income protection insurance can replace part of your income if you’re unable to work due to illness or injury. For many people, their ability to earn an income is their most valuable asset.

What does TPD insurance cover?

TPD (Total and Permanent Disability) insurance provides a lump sum payment if you become permanently disabled and are unlikely to work again.

Process & Fees

How does the advice process work?

Our process is designed to be simple and easy to follow:
1. We get to know you and understand your goals.
2. We research and prepare strategies tailored to your situation.
3. We present your personalised financial plan and explain your options.
4. If you decide to proceed, we implement the plan and provide ongoing support.

How long does the process take?

The initial meeting usually takes around 30–45 minutes.

If you proceed with advice, the full process typically takes around 6–10 weeks, depending on the complexity of your situation.

What costs are involved?

Fees vary depending on the complexity of your situation and the work required. All fees are explained and agreed to upfront before anything proceeds, so you can decide if the advice is right for you.

Can financial advice fees be paid from super?

In many cases, yes — if the advice relates to your superannuation, fees can often be paid from your super fund (with your approval), which can reduce out-of-pocket costs.

Is the first meeting free?

Initial consultation is obligation-free, so you can understand where you stand before deciding whether to proceed.

What if I’m not happy with the advice?

You are under no obligation to proceed. After you receive your advice and recommendations, you can decide whether you want to go ahead or not.

Can I do everything without coming into the office?

Yes. Many clients complete the entire process by phone, video meeting, and secure online forms, no matter where they are in Australia.

Complaints

What if I have a complaint?

We have a formal complaints process to ensure any concerns are handled fairly and efficiently.

If a complaint cannot be resolved internally, you may be able to access the Australian Financial Complaints Authority (AFCA), an external dispute resolution scheme. Please refer to our Complaints Policy in the website footer for full details.

Still have questions?

If you're unsure whether you're on track for retirement, whether your super is set up properly, or whether you could be doing things better, the first step is simply to have a conversation.

You can book an initial consultation with a licensed financial adviser to discuss your situation, your goals, and where you currently stand — and then decide if you want to go further from there.

BOOK YOUR FREE INITIAL CONSULATATION

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Get in touch

1300 430 837

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Primary Wealth Management Pty Ltd (ABN 71 694 757 885) is a Corporate Authorised Representative (Representative No. 001319586) of Guidance Advisers Pty Ltd (ABN 65 653 468 832, AFSL 540341).
Any financial product advice provided on this website is general advice only, meaning it has been prepared without taking into account your personal objectives, financial situation, or needs. Before acting on any advice on this website, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation, and needs. If the advice relates to the acquisition, or possible acquisition, of a particular financial product, you should obtain a copy of, and consider, the Product Disclosure Statement (PDS) for that product before making any decision

Financial FAQ’s