Financial Planning for Recruitment Consultants

We’re invested in your long-term success. What we do is personal, and we take it personally.

Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:

• Property & Investing
• Career & Income
• Tax Strategy
• Insurance & Protecting Your Family
• Super & SMSF
• Wealth & Investments
• Life Events & Changes
• Business & Wealth
• Legacy & Future Wealth
• Retirement Planning

This is how we help you make decisions today with your longer-term goals in view.

Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.

Yes. Whether you’re on a desk, in-house or leading a team, our financial advice and strategies can help you prepare. That could mean working out how long your money would last without your regular pay, building a buffer from strong quarters and looking at debts and super contributions across a gap. Your employer, and any written contract or plan, can tell you what happens to your commission if a role ends.

Income protection is generally for illness or injury rather than losing a job, so we can help you understand what it would and wouldn’t do for you, and what may change with any cover if you leave. If your job does end, our redundancy advice can help with what comes next.

Your accountant and financial adviser bring different expertise to the same decisions. Your accountant can advise on tax reporting, structures and consequences; we help you plan how cashflow, debt, super, investments and protection work towards your goals. We can coordinate before important decisions.

What an accountant does

• Prepares and lodges tax returns, BAS and financial statements
• Advises on tax structures such as companies, trusts and partnerships
• Manages bookkeeping, payroll and ATO compliance
• Provides tax advice on the consequences of a transaction

What a financial adviser does

• Sets a long term strategy across retirement, investing and cash flow
• Builds wealth from early in a working life, starting with cash flow, a first home and super
• Recommends specific super funds, investments and personal insurance
• Operates under an Australian Financial Services Licence, which is required to give personal advice on financial products
• Handles retirement planning, Centrelink and aged care strategy, and estate planning considerations

Professional roles and authorisations matter. We provide financial advice within our authorisations and work with your accountant for specialist tax advice and lodgements.

Where they work together

• Tax position. Your accountant confirms your marginal rate, deductions and carried forward losses, which shapes decisions on super contributions, investment structures and the timing of asset sales.
• Business and entity structures. Your accountant advises on the structure itself and your financial adviser works within it for investments, insurance and succession planning.
• Cash flow. Your accountant’s figures can help us understand what’s available for debt repayment, protection and longer-term goals.
• Before key decisions. We can coordinate with your accountant on contributions, asset sales and other material choices in time to consider relevant tax consequences.

Under the National Employment Standards, redundancy pay is worked out at your base pay rate for your ordinary hours, and incentive-based payments and bonuses are left out. An award, agreement or contract may differ, and most small business employers don’t have to pay redundancy pay under those standards.

Fair Work’s Notice and Redundancy Calculator works through award and National Employment Standards amounts, and a lawyer can read your contract. Until you know, it can help to budget on the lowest amount you could receive, and we can work through that budget with you.

It can help to run regular bills on your base pay, if you have one, as that part doesn’t depend on what you bill. Each commission payment can then have its own purpose:

• A buffer, sized in months of regular pay
• Debts or a home deposit, if those are your goals
• Super, within the caps
• Something you’ve been looking forward to

There’s no single split that suits everyone, and the choice is yours. We can work through the figures with you.

Start with your agency pay averaged across recent years rather than a peak, then set the in-house salary beside it. From there, look at what else would change:

• Super, which can be steadier on a steadier salary
• Leave and any bonus
• How a lender may read the change, if you’re planning a loan, with a broker
• Cover through work, if you have it, read before you go

A lawyer can read the contract itself, including limits on your next move. We can cost both options with you in your household’s terms.

Start with how long your savings would need to last before first fees arrive. Moneysmart notes self-employed people won’t have paid holidays or sick leave, and suggests checking whether the move affects the insurance cover through your super.

An accountant can advise on structure and personal services income. Supplying workers can need a labour hire licence in some places, so it’s worth checking with the regulator. We can cost the move with you and look at cover before you leave your job, with the insurer deciding any application.

It can depend on the wording of any commission plan and your contract, so those are the first things to read. Fair Work can help with entitlements from the National Employment Standards, an award or an enterprise agreement, and says to seek legal advice on other final pay issues, so a lawyer can read any plan.

For your budget, it can help to treat a payment after you leave as uncertain until it arrives. We can plan your next few months with you on that basis.

If you’re an employee, yes. From 1 July 2026, all commissions paid to an employee count as qualifying earnings for super, the ATO says.

Your payslips and fund statements can show what’s being paid. The maximum contribution base can limit what an employer has to pay, and an accountant or the ATO can explain how it applies. From there, we can plan your own contributions with you.

A program through work can be a useful place to start, and your employer can tell you what it includes. What we add is personal advice on your own situation: your budget around pay that swings, your super, your cover and your next career step. It sits beside what your employer provides, and we set it out in a financial plan, or Statement of Advice.

Yes. We can look with you at when you’d like to stop billing, and whether a final stretch in-house or running an agency is part of the picture. Super built on pay that swings can be uneven from year to year, so your own contributions in stronger years may be worth planning.

We’d start the plan from super and savings, with an agency as one asset among others, as a sale isn’t certain. You can read more about our retirement advice.

We’re a national service, so you can meet with us by phone or video from anywhere in Australia. We also have offices in three cities:

• Sydney: offices in Sydney CBD, Parramatta, Seven Hills, Ingleburn and Narellan, servicing areas including the City of Sydney, Eastern Suburbs, Inner West, North Shore, Northern Beaches, Sutherland Shire, Blacktown, Liverpool, Campbelltown and all surrounding suburbs.
• Melbourne: our St Kilda Road office, servicing areas including the City of Melbourne, Port Phillip, Boroondara, Monash, Casey, Wyndham and all surrounding suburbs.
• Brisbane: our Eagle Street office, servicing areas including Brisbane City, Moreton Bay, Ipswich, Logan, the Gold Coast, the Sunshine Coast and all surrounding suburbs.

Yes. Whether you’ve just started on a low base, lead a team or run your own agency, you’re welcome to start with us.

There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first.

Useful things to bring are your commission plan, if you have one, and your latest payslips. We can go through fund statements, policies and loans from there.