Frequently Asked Questions

NEWCASTLE & MAITLAND

Welcome to Bottrell Wealth

At Bottrell Wealth, we provide expert financial planning services designed to help individuals, families, and businesses secure their financial future. Our team, led by experienced financial advisers Gavin Bottrell and Josephine Smith, is committed to providing tailored advice to help you achieve your financial goals.

We believe financial planning is about more than just numbers—it’s about creating a strategy that aligns with your life, your aspirations, and your values. Whether you need assistance with superannuation, investments, wealth creation, or retirement planning, our goal is to empower you with expert advice and personalised solutions.

Below, we’ve compiled a list of frequently asked questions to help you better understand our services and how we can support you.

Locations:

How much contact do your financial planners have with clients?

Our financial advisers maintain regular contact with clients to ensure their financial plans remain aligned with their goals and any changes in their circumstances. The level of engagement depends on the service package selected—whether comprehensive, standard, or passive. We’ll discuss and tailor the right level of support for you during our initial consultation.

How do you charge for financial advice?

Bottrell Wealth operates on a transparent fee-for-service model. Our fees will be disclosed upfront, and no work will commence without your agreement. In some cases, fees may be deducted from your superannuation account if appropriate.

How do your financial advisers determine the best strategy for me?

Each client’s financial situation is unique. Our financial advisers will assess your current financial position, goals, and risk appetite before making any recommendations. This ensures our advice is tailored to your individual needs and objectives.

Are your financial planners members of professional associations?

Yes. Our advisers, including Gavin Bottrell and Josephine Smith, are highly qualified professionals and members of industry-recognised organisations such as the Financial Planning Association of Australia (FPA), Chartered Accountants, and CPA Australia. We adhere to strict ethical and professional standards to provide you with the highest level of financial advice.

Can I get a second opinion on financial advice I’ve already received?

Yes. If you have previously received financial advice and want a second opinion, our team can review your existing strategy and provide independent feedback to ensure it aligns with your goals and best interests.

Do you have any conflicts of interest?

No. Our advisers operate under a fiduciary duty, meaning we are legally required to prioritise our clients’ best interests at all times. Bottrell Wealth maintains high ethical standards, and we do not recommend products or services that would create a conflict of interest.

Where do you conduct meetings?

We offer flexible meeting options, including in-person consultations at our Newcastle, Maitland and Gosford offices. For convenience, we also provide online meetings via video conferencing.

How long does an initial consultation take, and what does it cost?

Our initial consultation typically lasts between 60-90 minutes. This meeting allows us to understand your financial situation and goals, and how we can help. The consultation fee is $330 (including GST), and if you proceed with our services.

What services do your financial planners provide?

We offer a comprehensive range of financial services, including:

Superannuation and SMSF Advice
Retirement Planning
Wealth Creation & Investment Advice
Personal Insurance Advice
Debt Reduction & Cash Flow Management
Estate Planning
Aged Care Financial Advice

Can you help with mortgage advice?

Yes, we can provide strategic mortgage advice and liaise with mortgage brokers to ensure your financing aligns with your financial goals. However, we do not provide specific mortgage product recommendations.

Can you help with tax planning?

While we offer general tax-effective financial strategies, we do not prepare tax returns. We work closely with Bottrell Accounting to provide seamless tax and financial planning services.

How do I know if financial planning is right for me?

If you have financial goals—whether it’s growing your wealth, planning for retirement, or protecting your assets—financial planning can help. We welcome clients from all walks of life, from young professionals to retirees, and tailor strategies to suit your needs.

How often should I review my financial plan?

We recommend reviewing your financial plan at least annually or whenever there is a significant change in your financial situation, such as a career move, marriage, or approaching retirement.

What makes Bottrell Wealth different?

Our approach is personal, transparent, and results-driven. We focus on building long-term relationships with our clients, offering independent, tailored advice that helps you achieve your financial aspirations. Our team’s expertise, combined with our strong ethical standards, ensures you receive the highest level of financial guidance.

How can I get started?

The first step is to book an initial consultation with one of our expert financial advisers. Contact us today to arrange a meeting and take control of your financial future.

Bottrell Wealth – Newcastle & Maitland

At Bottrell Wealth, we’re here to help you create a strong financial future with expert advice and a personalised approach. If you have any further questions, feel free to reach out to us today!

Explore our comprehensive range of professional services tailored to meet your specific needs:

Superannuation

SMSF – Self Managed Superannuation Funds

Investment Planning

Wealth Creation

Personal Insurance

Business Investment (Key Person Insurance)

Estate Planning

Aged Care Advice

Budgeting—Personal & Business

Cashflow Management

Debt Management