Independent private wealth advice · Newcastle and Sydney
Fee-only advice for business owners, specialists and families with more than one generation to think about. One adviser, a small client list and a plan you'll actually read.
Fee-only No commissions No in-house products
Move across the headland to look further ahead
Why Northmere
We're licensed to recommend across the whole market and we don't take commissions, rebates or volume bonuses from anyone. That leaves exactly one person to answer to.
It also means we'll sometimes tell you to do nothing at all. Our clients say that's the advice they value most.
$1.4b
advised for client families
186
client families, most by referral
40
families per adviser, at most
0
commissions, rebates or product ties
How we work
01 Understand
Two long meetings before we recommend anything. Your business, your family, what keeps you up at night and what you'd do with a year off. We map every account, entity and policy you hold, including the ones you'd forgotten about.
02 Structure
Super, trusts, company structures, insurance and your estate plan, designed together so they don't quietly work against each other. We sit down with your accountant and solicitor, not around them.
03 Steward
Quarterly reviews, a refreshed plan every year and a direct line to the adviser who knows your file. When life changes, and it will, the plan changes with it. That's the part most firms skip.
Who we advise
You've spent twenty years building something. We help you sell it on your terms, structure the proceeds and keep the tax bill to what's fair.
Usually 3 to 5 years before a sale
A high income, very little time and a practice structure that's often more complicated than it needs to be. We simplify it and put the surplus to work.
Often with an SMSF or service trust
Wills, testamentary trusts, super death benefits and the conversation nobody wants to start. We run the family meetings and keep everyone on the same page.
Two or three generations at the table
Options, vesting dates and one company carrying too much of your net worth. We plan the sell-down so a single share price doesn't decide your retirement.
Listed and private company equity
Your plan
The law requires a Statement of Advice and you'll get one. You'll also get a two-page summary: where you stand, where you're heading and the three decisions that matter this year. We rewrite it every twelve months.
Fees
Fixed dollar fees, agreed before we start. Never a percentage of your assets, so we're never paid more for telling you to invest more with us.
from $6,600
one-off, including GST
Discovery, strategy, your Statement of Advice and putting it all in place.
Where most clients sit
from $9,900
a year, including GST
Most of our clients are here. Your adviser on call, and a plan that's never out of date.
from $24,000
a year, including GST
For families with several entities, a business sale ahead or three generations involved.
Ongoing agreements are renewed by you every year. If you don't renew, they end. No exit fees, ever.
Team
Three people and 186 families. We'd rather turn work away than stretch the attention you're paying for.
Founding partner
CFP®, SMSF Specialist Adviser™
Fourteen years in private banking before founding Northmere in 2008. Works mostly with business owners in the years before and after a sale.
Partner
CFP®, Master of Applied Finance
Specialises in medical professionals and executives with equity. Joined in 2013 and became a partner in 2019.
Senior paraplanner
B.Com (Financial Planning)
Builds every plan we deliver and keeps the detail straight. If you've had a clear answer from us within a day, it was probably Priya.
Client situations
Illustrative situations. Names and identifying details are changed.
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02
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FAQs
Something we haven't covered? Call 0491 570 156 and you'll speak to an adviser, not a call centre.
We generally work with clients who have at least $1.5 million in investable assets, or a business they're planning to sell. If that's not you yet, we'll say so honestly and point you to an adviser we'd trust.
Yes. We meet the legal test in section 923A of the Corporations Act. We take no commissions, no volume-based payments and no gifts from product providers, and we have no ties to any fund manager, platform or insurer.
Every time. Good advice crosses tax, law and investment, so we'd much rather be in the same room. Most of our clients came to us through their accountant.
It's an hour, it's free and there's no pitch. We'll ask a lot of questions, explain how we'd approach your situation and tell you what the work would cost. You decide afterwards.
Fees are fixed dollar amounts agreed in writing. You can pay by invoice or from an investment account, and you'll see every dollar on your annual fee disclosure.
Then you leave. Ongoing agreements are renewed by you every year, so if you don't renew, they end. There are no exit fees and we'll hand your file to whoever you choose.
Get in touch
An hour, no charge and no pitch. Tell us a little about where you are and we'll call within one business day to find a time.
