Our Services
How We Charge
Ongoing Services

ABOUT US

Lifetime Advisers is an independently owned and operating boutique financial planning practice. All advisers have many years of industry experience.



Frances Hesse, CFP BBus DFP, Principal	Julie Blanning, Client Services Manager	Hayley Mackintosh, Corporate Receptionist

Frances Hesse, Senior Financial Planner, has over 20 years experience in the financial services industry. Frances is a Certified Financial Planner and member of the Financial Planning Association (FPA) since 1996. She is also an Accredited Mortgage Consultant with a Certificate IV in Financial Markets.

Lifetime Advisers is licensed through Lifespan Financial Planning Pty Ltd (LFP), a non – institutionally owned licensed securities dealer, AFSL 229892. Lifespan is a Principal Member of the FPA.

Lifetime Advisers is an agent with Choice Aggregation Services, an aggregator for finance products including home, personal, business and commercial loans.

Our Services

Investment Advice
Portfolio Management and Review
Cash Management Accounts
Share Trading
Superannuation and Retirement Planning
Self Managed Superannuation Funds
Retrenchment/Termination Planning
Insurance Planning
Estate Planning
Tax Effective Investments
Home, Commercial and Business Loans
Car, Truck, Boat and Equipment Finance

How We Charge

1. Financial Planning Services

Lifetime Advisers aim to provide unbiased advice in all aspects of Financial Services.

Our staff are highly trained and experienced with strong customer focus and work ethic. We believe we provide an outstanding service which is clearly set out in our Ongoing Service Agreement.

We charge on a fee for service basis and generally commissions received are offset against these fees wherever possible.

Our initial consultation is currently free and with no obligation.

2. Loans and Finance Services

All new clients can have a free no obligation initial consultation with a Lifetime Advisers Mortgage Consultant to see if we can assist with your finance needs. After that depending on the services to be provided, any fees and charges will be explained and outlined.

Generally fees for finance (loans) services Lifetime Advisers provides as a broker are generally paid by the lender and are not an additional charge unless otherwise advised. Commissions are fully disclosed in our Finance Broker Agreement with each client.

Our staff are highly trained and experienced with strong customer focus and work ethic. We believe we provide an outstanding service which continues long after your finance is settled.

For a free no obligation appointment Contact Us

Ongoing Services

Client Referral Rewards Program
Regular Client Briefings
Client Economic Updates
Customised Client Seminars
Quarterly Newsletters
Regular Client investment reviews
Access to investments online 24/7
Updated website

Lifetime Advisers aim to have clients for life. We provide ongoing advice to all clients in regular reviews on at least an annual basis. Most clients choose half yearly or quarterly reviews to keep up to date with their investments and finance and to talk with us about important changes occurring in their lives.

Our goal is to assist clients and their families through often complex transactions such as purchasing a home with finance through to retirement planning.

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Want someone who puts your interests first and offers unbiased advice in comparing loans, insurance and tax planning?

As licensed financial planners we incorporate your insurance needs into your overall financial planning and loan needs. We’ll tell you about the different types of insurance on offer - and the policies that are right for you.