Cost guide
How much does a financial adviser cost in Australia? (2026)
The short answer
$4,668 a year
is the median ongoing advice fee in Australia, up 18% in a year. A first plan is charged on top.1
The fees you will see
| What | Typical price |
|---|---|
| Ongoing advice feeReviews and support each year, median | $4,668a year, the median1 |
| Statement of AdviceA one-off fee to prepare your written plan | Quotedone-off2 |
| Implementation feeA one-off fee to put the advice in place | Quotedone-off2 |
| Asset-based feeA percentage of what you invest | A % of your balanceeach year2 |
| Hourly rateSome advisers charge by the hour for limited advice | Quotedan hour2 |
A worked example from ASIC2
ASIC’s Moneysmart shows a client with $400,000 invested:
$5,000 up front for the Statement of Advice and putting it in place.
$13,000 all up in the first year, including ongoing advice, investment management and platform fees.
About $8,100 in the second year.
A worked example to show how the numbers add up, not a quote.
Get three quotes and compare
Tell us once and hear from up to three financial advisers who cover your postcode, every one matched to the regulator’s register. Free, no obligation.
11,680 financial advisers listed·7,767 matched to the ASIC Financial Advisers Register
What pushes the price up
- How complex you are. Super, investments, insurance, a business and an estate all at once take more work than one question.
- Ongoing or one-off. A single piece of advice can cost far less than a yearly service.
- Percentage fees. A fee based on your balance grows as your balance grows.
- Product and platform fees. These sit on top of what the adviser charges, and come out of your returns.
Good to know: Before you agree to anything, ask for the total cost in dollars. That is the only way to compare one adviser with another.2
Four questions to ask for a quote
- What is the total cost in dollars, for the first year and each year after?
- Is that a fixed fee or a percentage of my balance?
- Can I get advice on one question, without an ongoing service?
- Are you on the ASIC Financial Advisers Register? (FIZO shows this on every verified listing.)
Quick answers
How much does a financial adviser cost in Australia?
$4,668 a year is the median ongoing advice fee in Australia, up 18% in a year. A first plan is charged on top.
What makes it cost more?
How complex you are: Super, investments, insurance, a business and an estate all at once take more work than one question. Ongoing or one-off: A single piece of advice can cost far less than a yearly service. Percentage fees: A fee based on your balance grows as your balance grows. Product and platform fees: These sit on top of what the adviser charges, and come out of your returns.
How do I compare what financial advisers charge?
Before you agree to anything, ask for the total cost in dollars. That is the only way to compare one adviser with another.
Ready for a quote?
Tell us once and hear from up to three financial advisers who cover your postcode, every one matched to the regulator’s register. Free, no obligation.
11,680 financial advisers listed·7,767 matched to the ASIC Financial Advisers Register
Where these prices come from
- Adviser Ratings, 18 pc jump in ongoing advice fees (2025 Australian Financial Advice Landscape, 12 August 2025)
- ASIC Moneysmart, Financial advice costs (updated 18 June 2026)
FIZO does not set or collect fees. Prices are what the sources report, rounded as they publish them. Your quote will depend on your situation.