Frequently Asked Questions About Financial Advice & Services

Life is full of financial decisions, trade-offs, and big-picture goals. A financial adviser doesn’t just crunch numbers—they provide strategies tailored to your unique situation. At ACru Wealth, we take the time to understand your values, aspirations, and challenges on a granular level. Whether it’s streamlining your super, optimising your investments, or planning your estate, we help you not just dream it but get it done.

Our process starts with you. In an initial Discovery Meeting, we’ll get to know your goals, challenges, and priorities. From there, we develop a personalised strategy designed to balance your short-term needs and long-term vision. We’ll map out your options, explain trade-offs, and support you at every step—from decision-making to implementation. It’s not just about the numbers; it’s about crafting a plan that works for your life.

Strategy is the foundation of everything we do. We believe in taking a holistic view of your financial life—aligning your investments, super, insurance, and estate planning with your personal goals. We don’t sell one-size-fits-all solutions; instead, we craft strategies that anticipate life’s uncertainties, prioritise your goals, and optimise every opportunity. And when it’s time to execute? We’re right there with you, making sure it’s done right.

We love working with clients who want to build something meaningful—whether it’s a secure retirement, a legacy for their family, or the freedom to enjoy life today. Our clients often include professionals, business owners, and pre-retirees who value personalised advice, strategic decision-making, and having a trusted team in their corner.

Financial decisions can feel overwhelming, especially when there are competing priorities or trade-offs involved. Our role is to guide you through these choices with clarity and confidence. Whether it’s deciding how to invest, manage debt, or plan your estate, we’ll break down the options, discuss the trade-offs, and ensure the best decisions are made for your unique situation. Nobody lives their lives just by the numbers, but understanding the numbers – in context of your values and priorities - can help make the big decisions less daunting.

If you already have a plan or adviser, that’s a great starting point. At ACru Wealth, we often act as a second set of eyes to refine or enhance your current strategy. Our goal is not to replace but to add value by identifying opportunities, fixing inefficiencies, and ensuring your plan is aligned with your goals. Think of us as your financial strategy architects—helping you optimise what you’ve built.

At ACru Wealth, it’s all about you. Our personalised approach goes beyond spreadsheets and charts—we dig deep to understand what truly matters to you and your family. We are still surprised when we sometimes hear clients tell us that former advisers didn’t ask about (or help them clarify) their goals. To us, that’s building a solution without understanding the problem. We focus on building a relationship, not just a portfolio. And our commitment to strategy, action, and trade-off management means we don’t just plan; we help you execute, fix what’s broken, and stay on track for the long haul.

We start by helping you define your goals—not just financial ones but also the personal and lifestyle goals that drive your decisions. From there, we develop a step-by-step strategy to make them happen. Along the way, we break down barriers, provide clear direction, and ensure you stay on course. It’s not just about setting goals; it’s about achieving them with confidence and clarity.

That’s what we’re here for. Many clients come to us feeling unsure or overwhelmed. During our initial Discovery Meeting, we’ll take the time to understand your current situation, identify areas of concern, and start building a roadmap that aligns with your values and goals. From there, we’ll guide you step by step to ensure everything is taken care of—so you can stop worrying and start focusing on what matters.

We understand that cost is an important consideration when deciding to seek financial advice, and we want to make the process as easy and transparent as possible. That’s why we wear the cost of your initial Discovery Meeting and Terms of Engagement Meeting. These first two meetings are all about getting to know you, understanding your goals, and seeing if we’re the right fit to help you move forward.

During the Terms of Engagement Meeting, we’ll provide a clear and detailed outline of any fees involved, tailored to your specific needs and the scope of advice. You’ll have all the information you need to make an informed decision, with no pressure or obligation to proceed. This approach ensures you can explore working with us without any hesitation, knowing you’ll only commit when you’re confident in the value we can provide.

Getting started is simple. Book a complimentary 15-minute discovery call or meeting with our team. This session is all about you—your goals, challenges, and vision for the future. No pressure, no jargon—just a friendly chat to see how we can help you move forward with confidence. Let’s take the first step together!