Wealth Builder
A 12-month financial advice program for your 30s & 40s
· Melbourne & Australia-wide ·
You're earning more than you ever have, but you're not sure if you're on track.
In Guidance Financial Services' Wealth Builder program, we run your actual numbers and answer what you've been guessing at: whether you can afford the bigger house, whether you're behind, and whether that money should go on the mortgage or into super.
If you've googled “should I pay off my mortgage or invest”, you're in the right place.
Because it seems like every answer starts with “it depends”.
The good news is there is a better answer, and it's specific to you. It just doesn't come from an article written for everyone, or a calculator that doesn't know your income, your loan rate, or that the school fees start in three years.
It comes from someone who's done a proper stocktake of where you're at, built a plan to get you where you want to go, and then helped you put it in place.
And then there's the bits you're too busy to even think about…
The super you haven't looked at since you changed jobs. The salary sacrifice you keep meaning to set up. The cash in the offset that's been about to be invested for two years.
Wealth Builder goes through everything and gets it working together, so your money is working as hard as you do.
Every year you wait, this gap gets wider…
Money invested early has longer to grow, and what it grows starts growing too. It's called compound interest, and it's why someone starting at 35 finishes $472,000 ahead of someone starting at 50, on the same income.
*Based on someone earning $100k in Findex’s The Cost of Doing Nothing Report
Wealth Builder is perfect for…
Growing families
"We earn decent money between us. We have a mortgage, two kids, and absolutely no idea where the money goes every month."
You keep meaning to sort it out. Between school pickups and everything else, it never quite happens.
2 incomes, no kids
“We're in our late 30s. We go on holidays, we eat out, we're not stressed, but we don't really have anything to show for it.”
The income is there, but nobody has ever sat down and turned it into a plan.
Doing it solo
“I'm 38, I earn well, I save regularly. But every financial decision I make, I make on my own.”
You think you're doing all the right things, but there's nobody to check them.
What do you actually get for the fee?
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Your Personalised Wealth Roadmap
showing where you're headed and what gets you there
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A Savings Target
and a plan for where that money goes, based on your personal budget
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Your super reviewed properly
including the fund, the contributions, and the investment options
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Tax strategy
using the legal levers most people never hear about... salary sacrifice, structuring, income splitting
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The right insurance for you
the right cover, at the right level, in the right structure. We make sure you’re not paying for the same thing twice or anything you don’t need.
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Your goals turned into a plan
with an order of operations, so you know what needs to happen first to achieve your goals
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Asset & Debt Strategy
that balances the mortgage, investing, property and super
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An answer to "are we in a good position?"
that comes with numbers attached. 89% of Australians who receive financial advice say they feel less worried about money.
The Wealth Builder Roadmap
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We start by understanding where you're at
We look at your current situation, your goals, and what you actually want your money to do.
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A plan tailored to your life, with a clear direction forward and your money working together the way it should.
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We present our recommendations, answer your questions, and make sure you understand exactly what we're recommending and why.
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We make sure everything is working the way it should and adjust if needed.
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We sit down and look at what's changed and what comes next.
And here's what's not in it:
No hard sell of our own investment products.
No percentage-based fee that grows as your balance does.
No ongoing lock-in at the end of the twelve months.
Instead? An index-at-the-core investment strategy, a flat fee that doesn't change whatever we recommend, and a program that finishes in twelve months.
“Can't I just get advice from my super fund or bank?”
You can. And they'll help you choose an investment option inside their own fund, or one of their own investment products. But then? You're still sitting there wondering whether that money would do more against the mortgage, whether you should be salary sacrificing, and whether the investment property is the thing standing between you and a bigger house.
Wealth Builder looks at your entire financial position before we make any recommendations. And because we don't have our own products to sell, we can focus on what's best for you.
“We'll do it once things settle down a bit.”
Totally fair... except that presumes things are going to settle down. Between the mortgage, the kids, the job and everything else, there isn't a quiet year coming.
Underneath that sentence, there's usually a different worry: that this is a big job you haven't got room for right now. Documents to dig up, a weekend gone, someone telling you to cancel the holiday.
Which is exactly why Wealth Builder runs across twelve months instead of one intense fortnight. You come to three meetings over the year. We do the work in between... the projection, the strategy, the paperwork, and the implementation once you sign-off on the advice proposal, which is the part you'd probably never get around to on your own.
Wealth Builder is built for the year that doesn't settle down, because the mortgage, the kids and the job will all still be there in twelve months. The difference is that by then your money will have had twelve months of growing and compounding.
“Are you going to try and sell me something?”
No. The fee is fixed and it's the one published on this page, so there are no surprises that change what you have to pay. It's a fair thing to wonder, and worth asking any adviser you talk to.
You'll also get a written advice proposal before we start, setting out exactly how we're paid.
What our clients say
“I wanted to take the time and thank Paul and the Guidance team again for making it possible to buy our first home.
We could have never done it without them and their advice - and the investment success over the years.
Looking back, the most important factor was the trusting relationship we have and the confidence the team instilled in me based on their personalised, competent advice and financial modelling.
The clarity the annual review meetings provided was the perfect decision support. The team provide outstanding financial advice, always with their clients front and centre.
They don’t tell you what you want to hear or sell you products you don’t need. They set you up for the life you want.”
Nathalie
Guidance Financial Services client
Growth Financing & Advisory
Secure the Capital You Need to Disrupt the Market. Good companies need to become financially independent to survive. We connect founders with the right capital partners and provide a recording framework for financial reporting and planning.
Investment Readiness: Preparing all necessary documentation for Seed to Series B rounds.
Risk Mitigation: Analyzing revenue structures to establish income size from diverse sources.
"The bridge between a great idea and a funded reality. Synthetix provided the expert advisory we needed to navigate the complexities of growth financing. Their hands-on approach to financial planning is world-class."
— David Chen,
CFO of CloudPulse
Wealth Builder is for you if…
You're in your 30s or 40s with household income under $300,000
You have a stable income and want to start building real wealth
You feel like you're not getting ahead despite earning well
You've done the basics and want to go further
You want a personalised plan, not generic advice
You're ready to take action for your financial future and put yourself in the best possible position
This probably isn't for you if…
You're managing significant debt stress or financial hardship — we'd suggest starting with the National Debt Helpline first
You have a household income over $300,000 or complex structures — our advice pathway outside Wealth Builder is likely a better fit
What it costs
We know that the cost can be what stops you getting the financial advice you need, so we’ve created an easy payment plan to make it more accessible for you.
$990 to start
then $390 per month
Fixed fee
No percentage-based fees
No ongoing lock-in
Read our Wealth Builder articles
Frequently Asked Questions
Still have questions? Take a look at the FAQ or reach out anytime. If you’re feeling ready, go ahead and apply.
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Your 30s and 40s are the most important window. You're earning more, taking on bigger financial commitments, and the decisions you make now compound over the next 20 years. Most people who come to Wealth Builder aren't in financial trouble — they just want to make sure everything is working the way it should before it's too late to course-correct easily.
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Because every year you wait is a year your super may be in the wrong structure, your cash could be working harder, and decisions get made by default rather than by design. The people who wish they'd done it sooner all say the same thing: the hardest part was starting.
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Wealth builder is for people who are doing well and want to make sure they're not missing anything. Most clients come in with good habits already in place — what they're missing is a clear system that ties everything together and someone who can tell them honestly whether it's all working.
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Banks and super funds can give you information about their own products, but they can't give you advice that spans your whole financial picture. Wealth Builder covers cash flow, debt, super, investments, and protection together — because that's the only way to make sure everything is actually working in the same direction.
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A common benchmark is 1–2x your annual salary in super by your mid-30s, growing to around 3–4x by your mid-40s. But the more important question is whether your super is structured correctly for your situation — the right fund, the right investment option, and contributions that are actually on track for the retirement you want.
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If you're covering your expenses, saving something, and thinking about your financial future — you're earning enough. Wealth Builder isn't designed for high-net-worth individuals. It's designed for people who are at the stage where getting the foundations right actually matters most.
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Most people who ask this are comparing it to the cost of a subscription or a night out — not to the cost of having their super in the wrong fund for a decade, carrying debt longer than necessary, or missing tax strategies that could cost thousands a year. At around $100 a week, Wealth Builder is designed to be the kind of decision that pays for itself.
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No — but you're also not locked in. By the end of the program, everything is set up properly and you have a clear picture of where you stand. At month 12 we sit down and talk about what comes next. Some clients want ongoing support. Others are happy to manage independently. That's entirely your call.
Ready to get your finances sorted and build your future?
