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Financial Planning

Why  Us?


  • Modern Approach: We embrace 21st-century procedures to tailor financial strategies that align with your unique goals.
  • No Commissions, No Kickbacks: As a fee-for-service firm, our priority is your financial success. We work for you, not for commissions or third-party incentives. 
  • Business Owner Focus: Unlock the full potential of your hard-earned dollars with our clever wealth-maximizing strategies designed specifically for business owners.


Navigating Life's Uncertainties:

Life is unpredictable, and financial challenges can appear when least expected. Whether you're facing a divorce or navigating other unique financial complexities, we are here to help.

Divorce Financial Planning:

Before entering legal proceedings, take advantage of a complimentary consultation with our director, Nadia Hughes. As a Neutral Financial Professional, Nadia applies her extensive expertise to help couples assess their financial situation, uncover creative solutions, and work toward mutually agreeable settlements.

At Unfair Advantage Financial Advisory, we don't just create financial plans; we design a pathway to turn your aspirations into achievements. Together, let’s build a strategy that transforms your dreams into reality.

  Adviser Profile


Nadia Hughes

Experience
Nadia Hughes has over 20 years of experience in providing financial and accounting advice and 11 years of experience in financial planning. She graduated with a Bachelor of Business and Commerce from Monash University on 25 May 2006. Nadia is a Certified Practicing Accountant (CPA) and a proud member of CPA Australia.

Professional Memberships

  • Nadia Hughes is a member of CPA Australia and adheres to its code of professional conduct and ethics.

Qualifications

  • Holds a Diploma of Financial Planning.
  • Meets the competency requirements under ASIC’s Regulatory Guide RG 146.

Authorisations
As a Sub-Authorised Representative of Unfair Advantage Financial Advisory Pty Ltd (Corporate Authorised Representative No. 1007300), Nadia Hughes is authorised to provide advice and deal in the following financial products:

  • Life Products: Investment Life Insurance Products and Life Risk Insurance Products.
  • Managed Investment Schemes: Including Investor Directed Portfolio Services.
  • Deposit and Payment Products.
  • Retirement Savings Accounts (RSA) Products.
  • Debentures, Stocks, or Bonds: Issued or proposed to be issued by a government.
  • Superannuation: Including Self-Managed Superannuation Funds.
  • Securities.
  • Standard Margin Lending Facilities.


    Advice Fees and Charges

    Nadia Hughes will be paid through Financial Planning Advice Fees as outlined in the Financial Services Guide. The amount of the benefit and how it is calculated will be explained to you during your initial meeting.

    • Statement of Advice Fees:
      Nadia's fee for preparing a Statement of Advice and other advice documents will vary depending on the complexity involved and the time required. You will be notified of the costs involved prior to the commencement of any work.
    • Ongoing Services:
      Nadia offers optional ongoing reporting and advisory services. These fees vary depending on the scope and complexity of the services provided and typically range from       $1,100 to $4,500 (including GST). You will be notified of the costs involved prior to the commencement of any ongoing services.
    • Revenue and Licensing:
      Unfair Advantage Financial Advisory Pty Ltd pays a fixed licensing fee to Capstone Financial Planning Pty Ltd and retains all revenue earned from the financial services provided to you. Nadia is a Director of Unfair Advantage Financial Advisory Pty Ltd and receives a salary or other benefits from the company.

    Other Benefits the Adviser May Receive

    From time to time, Nadia may be invited to social or sporting events or receive occasional gifts, such as a bottle of wine or a hamper on special occasions. These non-cash benefits will have a value of less than $300.

    A register is maintained to record details of any non-cash benefits received between $100 and $300. These gifts and invitations do not influence the advice provided to you. If you would like more information, you can request a copy of the register.


    This Adviser Profile has been authorised for distribution by Capstone Financial Planning Pty Ltd, AFSL No. 223135. It forms part of the Financial Services Guide (FSG) and should be read in conjunction with the FSG.


    Firm's Details

    Unfair Advantage Financial Advisory Pty Ltd ABN 89 603 689 185 is
    a Corporate Authorised Representative of
    Capstone Financial Planning Pty Ltd ABN 24 093 733 969, AFSL No. 223135
    Level 1, 607 Bourke Street, Melbourne VIC 3000.

    Phone:

    03 8622 0700

    Fax:

    03 8622 0799 

    Address:

    info@capstonefp.com.au


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    Address:

    545 Mornington-Tyabb Rd, Moorooduc, VIC, Australia
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    Phone:

    (03) 8595 1111