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Retirement can feel like a problem for another decade. But the choices that shape it are usually sitting in front of you today.
Do we keep more cash aside, put extra on the mortgage, add to super, or spend the money on something the family needs now?
None of those questions lives on its own. A useful financial plan connects them, so you're not making a sensible choice in one place and accidentally squeezing another.
Rising Tide helps professionals and young families coordinate saving, property, protection and retirement decisions inside one plan, then review it as life changes.
This is general information only and doesn't take your personal circumstances into account. If you want to see how your current money decisions could fit together, click the link for Rising Tide's free 15-minute intro call.
You might have a broker for the home loan, an accountant at tax time and a super fund sending you a statement.
They're each looking at the job you've asked them to do. The awkward bit is working out who's looking across the household decisions those jobs affect.
Rising Tide provides ongoing financial planning for professionals and young families. The team can consider saving, property, protection and retirement together, then explain which decisions belong in the advice and which ones don't.
It starts with a free 15-minute intro call to understand your goals and questions before any paid discovery work.
This is general information only and doesn't take your personal circumstances into account. Click the link if you'd like to ask how one coordinated advice relationship could work for your household.
One partner: We're saving every month, we've got the investment property and we keep reading about super. I think we're doing the sensible things.
Other partner: I think so too. I just can't tell you what we're aiming at, or whether one choice is getting in the way of another.
One partner: So what are we saving for, exactly?
Other partner: That's what I can't answer. I want to know what each decision is meant to do for us.
Narrator: Rising Tide helps professionals and young families bring saving, property, protection and retirement decisions into one coordinated financial plan. This is general information only and doesn't take your personal circumstances into account.
Narrator: If that exchange sounds familiar, click the link to start with a free 15-minute intro call.
Savings, the home, insurance, children and retirement can all draw on the same income and shape the same future, even though most families don't make those decisions on the same day.
Rising Tide's process starts with a free 15-minute intro call about your goals and questions. If there's a fit, paid discovery puts the relevant details in one place. The team can then scope the advice, prepare recommendations, help with agreed implementation and review the plan over time where ongoing advice makes sense.
Every engagement depends on the household and the agreed scope. This is general information only and doesn't take your personal circumstances into account.
To see what Rising Tide would need to understand before those decisions can be coordinated, click the link.
One client described her change of mind about financial advice in a very direct way: "We went from 'we can't afford this' to 'we can't afford NOT to have this.'"
That's Briany Kalms's experience, published on Rising Tide's website. It isn't a promise about anyone else's result.
The useful question is what you're paying an adviser to do. Rising Tide begins with a short intro call, followed by paid discovery if there's a fit. The team can then coordinate the agreed work across your goals, cash flow, property, protection and retirement, with fees explained through each stage.
This is general information only and doesn't take your personal circumstances into account. If you want to understand the process before deciding whether advice is worth considering, click the link for a free 15-minute intro call.
Professionals and young families often have money spread across savings, the home, super, insurance and investments. A coordinated financial plan shows how those choices affect each other, so each decision supports the financial future the household is working towards.
Rising Tide Financial helps people do that through a coordinated financial and retirement planning service. The starting point is the short form below this video. Fill it in and answer each question fully. Depending on your situation, you may then be invited to book a free 15-minute intro call with our team.
That first call is there to understand what you're trying to work out. It could be how much to keep in savings, whether to pay more off the mortgage, what to do with super, how much protection the family needs, or whether your current choices are moving you towards the same future.
These questions rarely stay in their own lanes. Putting extra money into one place can mean less flexibility somewhere else. Buying a home can change the protection a family needs. A career move can affect cash flow now and retirement later. When every decision gets handled separately, it can be hard to know whether the whole picture still makes sense.
One of the families featured on Rising Tide's website said they were saving hard, owned an investment property and had read the books. They still wanted help connecting those decisions in one plan.
Rising Tide starts with your goals and the questions already competing for attention. If the intro call suggests there may be a fit, the next stage is a paid discovery process. From there, the team can scope the advice, prepare recommendations, help implement agreed work and provide ongoing reviews where that relationship makes sense.
The process is staged because financial advice should be based on your circumstances. A family trying to manage a new mortgage and young children won't necessarily need the same work as a professional preparing for a career change. The recommendations, scope and fees depend on what needs to be addressed.
Plenty of capable people manage individual accounts, compare products and keep good records. Coordinated planning looks across those accounts and tests how a change in one area could affect the rest of the household plan.
Rising Tide publishes its advice process and fee ranges on its website. The intro call comes before paid discovery, and the team explains the scope and fee for any later work before you agree to it.
Financial planning can feel like something for later. Rising Tide works with professionals and young families because useful planning often starts while the choices are still being made. The aim is to make today's financial decisions with the wider future in view and keep reviewing them as circumstances change.
A coordinated plan puts the relevant facts in one place, makes the trade-offs visible and gives each agreed decision a clear role.
Rising Tide's website includes named client stories from families who describe the practical difference advice made for them. One client said they moved from feeling that they couldn't afford advice to feeling they couldn't afford to be without it. Another said they went from maxing out a credit card each month to consistently saving and building wealth. Those are individual experiences, not promises about what will happen for you, but they show the kinds of household problems people have brought to the team.
This service is for Australian professionals and young families who have several money priorities, want qualified advice to help coordinate them and are prepared to share the full picture.
The service may not suit someone who only wants a quick investment tip or isn't prepared to complete the fact-finding required for personal advice. A one-off question may also fall outside the scope of a full advice relationship.
If you want to see whether Rising Tide could help connect the money decisions your household is already making, complete the short form below this video. Answer each question fully, and depending on what you tell us, you may be invited to book a free 15-minute intro call with the team.
This is general information only and doesn't take your personal objectives, financial situation or needs into account.
Thanks for booking a free 15-minute intro call with Rising Tide.
You've probably arranged the call because a few money decisions are competing for attention, or because one question has been hard to settle by looking at each account on its own.
One of our team will start with what you're trying to work out. They'll ask about your goals, the decisions involved and whether Rising Tide's advice process looks like a sensible fit. It's an intro call, so you won't be given personal advice or asked to make a big decision on the spot.
We'll also send a few short emails before the call. They explain the staged process, the published fee ranges and a simple way to put your questions on one page.
There are more clips below this one. Watch the topics that match your questions, especially the ones about cost, timing and what happens after the call. The adviser can then spend more of the call on your situation instead of covering every basic question from the beginning.
Keep your main question nearby, and the team will take it from there.
Rising Tide publishes the fees for each stage of its advice process.
Rising Tide currently charges $440 including GST for one-off discovery and $6,600 to $8,800 including GST for one-off onboarding. If ongoing financial planning is agreed, the published range is $5,500 to $16,500 per year including GST.
The work can differ between households, so the intro call is there to understand your goals and questions. Paid discovery then gathers the detail needed before advice is scoped.
Ask the team what each stage covers, when a fee becomes payable and how any ongoing work would be reviewed. You should understand the scope before agreeing to proceed.
People often wonder whether financial planning should wait until they've built more wealth or retirement feels closer.
Professionals and young families are already making decisions that shape later options. A home loan affects cash flow, a change at work can alter saving and protection needs, and super may get less attention while other priorities take over.
Planning earlier doesn't require you to predict your whole life. It gives today's decisions a shared direction and makes the trade-offs easier to see.
Tell the team what's changing in your household and which choices still feel open. They can explain whether a full advice process is worth considering now.
A plan is based on the circumstances and goals you have when the advice is prepared. Those things can change.
Income may move, children grow, the mortgage changes and a career decision can arrive earlier than expected. That doesn't automatically mean the earlier work failed. It means the plan needs to be reviewed against the household you're in now.
Rising Tide offers ongoing financial planning where that relationship is agreed. The review process can revisit the assumptions, check which decisions still fit and identify what needs attention next.
No plan can guarantee an outcome. Ask the adviser how changes are handled and what an ongoing service would include for your circumstances.
Bring the financial question you most want help thinking through.
If several decisions are involved, put them on one page. Include savings, the home loan, super and insurance where they're relevant, then add any family or work changes that could affect them.
You don't need every statement or a polished presentation for a short intro call. A rough list is enough to help the team understand what has prompted the booking.
Keep your calendar confirmation nearby for the call details. The adviser can tell you what further information would be useful if the discussion moves to paid discovery.
The free 15-minute intro call helps Rising Tide understand your goals, questions and whether there may be a fit.
If it makes sense to continue, the next stage is paid discovery. That gives the team the information needed to understand the relevant parts of your situation before advice is scoped.
Onboarding and advice work comes after discovery if you agree to proceed. The team can then help implement agreed recommendations and provide ongoing reviews where that relationship suits the work.
You don't have to decide on every stage during the intro call. Ask what would happen next, what each stage costs and what information you'd need to provide. One of our team will explain the path from there.
A useful way to prepare for the call
Preview: Start with the money decision you most want help with.
Thanks for booking a free 15-minute intro call with Rising Tide.
Before the call, write down the financial decision you most want to discuss. It might be how to split money between savings and the mortgage, whether your protection still fits the family, what to do with super or how today's choices affect retirement later.
You don't need a polished brief. A few notes in your own words will give the team a useful place to start.
Rising Tide works with professionals and young families, and the call is there to understand your goals, questions and fit before any paid discovery work.
We'll send a few short emails before the call to explain the process and help you prepare.
Kind regards,
Rising Tide Financial
Put the money decisions on one page
Preview: A quick household map can show which choices affect each other.
Take a blank page and write down the money decisions currently competing for attention.
Include savings, the home loan, super and insurance if they're relevant. Add any near-term family changes, such as parental leave, school costs, a move or a career change.
Now draw a line between any two items where changing one could affect the other.
The page doesn't need to look neat. Its job is to show where separate decisions are drawing on the same income or shaping the same future.
Bring it to the call if it helps you explain what you've been trying to work out.
Kind regards,
Rising Tide Financial
What happens after the intro call
Preview: The short call comes before paid discovery or advice work.
The free 15-minute intro call is a starting point, where the team will ask about your goals and the financial questions behind the booking. If there seems to be a fit, the next stage is paid discovery. Rising Tide currently publishes a one-off discovery fee of $440 including GST.
Discovery helps the team understand the relevant facts before any advice is scoped. Onboarding and advice work comes later if you agree to proceed, followed by implementation and ongoing reviews where that relationship makes sense.
Bring any questions you have about those stages. You should understand what happens next before deciding whether to continue.
Kind regards,
Rising Tide Financial
The published fee ranges and stages
Preview: Rising Tide sets out discovery, onboarding and ongoing fees publicly.
Rising Tide publishes the fee ranges for its staged advice process.
The current figures are $440 including GST for one-off discovery, $6,600 to $8,800 including GST for one-off onboarding, and $5,500 to $16,500 including GST per year for ongoing financial planning where agreed.
Those ranges don't tell you what your own engagement would include. The scope depends on your circumstances and the advice required.
Use the call to ask what each stage covers, when a fee becomes payable and what would need to be true for ongoing advice to make sense.
Kind regards,
Rising Tide Financial
Bring the question you keep coming back to
Preview: The unresolved decision is usually the best place to start.
Your call is coming up.
Have the question you most want to discuss in front of you. Keep the one-page map nearby if you made it, along with any rough notes that are easy to reach.
You don't need to gather every statement before a short intro call. The team can explain what further information would be useful after hearing your situation.
Check your calendar confirmation for the call details, and bring the question you haven't been able to answer by looking at each account separately.
Kind regards,
Rising Tide Financial
If you need to rebook the call
Preview: Use the booking details to choose another suitable time.
Looks like something came up. That happens.
Use the rescheduling option in your original booking confirmation to choose another time for the free 15-minute intro call.
When you rebook, keep the same question you originally wanted help thinking through. The team can start there.
Kind regards,
Rising Tide Financial
Preview: A quick map shows where sensible choices compete with each other.
Most household money decisions arrive one at a time.
The mortgage changes while insurance comes up for renewal, a child starts school or someone changes jobs. Super sits in the background until a statement arrives.
Each decision can look manageable on its own. The tension appears when several of them draw on the same pay packet.
Try this on one page. Write down the choices your household expects to make over the next couple of years. Beside each one, note the other decision it could affect.
Putting more into the mortgage could change how much cash you keep. Changing jobs could affect protection and saving. A property decision could alter what you want from retirement planning.
The map won't make the decisions for you, but it'll show which ones need to be considered together.
Kind regards,
Rising Tide Financial
Preview: Shared understanding helps when one person carries the detail.
In many households, one person knows where the accounts sit, when the insurance renews and which direct debit belongs to what.
That can work for years. It can also leave the other person unsure how the household's financial choices fit together.
Take five minutes each and explain what the current plan is meant to achieve. Cover the home, savings, protection and retirement in your own words.
You don't need matching answers. The useful part is noticing where the answers differ or where neither of you is sure.
Write those gaps down. They're better questions for a financial planning discussion than a generic request to "look at everything".
Kind regards,
Rising Tide Financial
Preview: Several responsible choices don't automatically become one plan.
One family featured on Rising Tide's website described a familiar position. They were saving hard, owned an investment property and had read the books, so they thought they were doing everything right.
The uncertainty came from how those choices worked together.
If that sounds familiar, list the sensible things you're already doing and give each one a job.
Ask what the savings account is for, which role the property plays, what super needs to support later and which risk the insurance is meant to cover.
When an account or asset doesn't have a clear job, it becomes harder to judge whether the next decision helps.
Kind regards,
Rising Tide Financial
Preview: Published fees make it easier to judge the process before proceeding.
The cost of advice is hard to assess when the work hasn't been explained.
Rising Tide publishes its current staged fee ranges: $440 including GST for one-off discovery, $6,600 to $8,800 including GST for one-off onboarding, and $5,500 to $16,500 per year including GST for ongoing financial planning where agreed.
The right question isn't whether every household should pay those amounts. Advice needs to be scoped around the circumstances and work involved.
A more useful check is to ask which decisions the advice will cover, what will be delivered during onboarding, which work continues under an ongoing relationship and when the arrangement can be reviewed.
Those questions give you something concrete to compare with the fee.
Kind regards,
Rising Tide Financial
Preview: Planning can begin while the important choices are still open.
Financial planning often gets pushed back until retirement feels close.
Professionals and young families are usually making decisions long before then. They may be buying a home, raising children, changing careers, reviewing protection and trying to save at the same time.
Planning earlier doesn't mean predicting every event. It means deciding what today's money is meant to do, then checking whether several choices are working towards the same future.
The plan can change as life changes. That's expected. A useful review asks what has moved, which assumptions need updating and whether the next decision still fits.
If you want to discuss how your current money decisions connect, Rising Tide offers a free 15-minute intro call.
Kind regards,
Rising Tide Financial
Preview: A plan written once can drift as the household changes.
A financial plan is built from a set of circumstances.
As income changes, children get older, the mortgage moves and work becomes more or less important, the plan needs to be checked against the household's new position.
An ongoing review should help you understand what has changed, what hasn't and which agreed decisions need attention now. It also gives both people in a household a regular place to ask questions before a small uncertainty becomes a bigger one.
Ongoing advice won't suit every person, and it can't guarantee an outcome. Where it does make sense, its job is to keep the advice connected to the household that has to live with it.
Kind regards,
Rising Tide Financial
Every asset above plugs into one place in this flow. Once it's running, the only thing you see is qualified bookings on your calendar.
We handle the build, deployment and campaign management across the 60-day engagement. You approve and film the scripts; we implement and manage the system.
If yours isn't here, it's the first thing we'll cover on the call.
