Fees · Caloundra & the southern Sunshine Coast
What retirement advice costs on the Sunshine Coast
You should know what you'll pay before you decide anything. Here's how Sunlit Path charges for retirement planning in Caloundra and across the Sunshine Coast, explained in plain English.
Fees start from $3,300 and are confirmed in writing before any work starts.
No sales pressure. We quote a fixed dollar fee for your advice before any work starts, based on its complexity and scope. Ongoing fees and any other payments, such as life insurance commissions, are set out in our FSG.
Simon Pederson, M.Fin, B.Bus (FP)Founder and Lead Retirement Planner
Our fees at a glance
Your plan in writing
From $3,300
A one-off fee for your Statement of Advice, based on how complex your situation is. We confirm the fee in writing before any work starts.
Putting the plan in place
No separate implementation fee
Setting up your accounts, consolidating super and arranging your income payments are covered by your Statement of Advice fee. Brokerage may apply to share trades, as set out in our FSG.
Ongoing advice
From $3,300 a year
Can include an amount based on the funds we advise on. See our FSG.
Regular reviews and support as your life, markets and the rules change. Ongoing advice fees are confirmed in writing before any work starts.
Your plan in writing (one-off)
Your Statement of Advice is your written plan. It looks at where you are now, what you'd like retirement to look like, and Simon's recommendations for your super, retirement income, the Age Pension and tax.
You pay a one-off fee for the research, strategy and time it takes to build it. At Sunlit Path, the Statement of Advice fee starts from $3,300, depending on complexity. We'll always confirm the fee before any work starts, and you take the advice home to sleep on before you decide anything.
“We are very grateful for his experience and straight forward approach…”
Kellie, Sep 2026Selected reviews. Individual experiences vary.
Putting your plan in place
Advice only helps once it's in place. Your Statement of Advice fee covers putting your plan into action, including opening accounts, consolidating super and setting up regular income payments, so there's no separate implementation fee.
Ongoing advice, with the same person every time
Retirement isn't set and forget. Rules, markets and your own plans change, so ongoing advice keeps your plan up to date. Reviews usually cover:
- reviewing your strategy
- adjusting for tax or government rule changes
- your cashflow and emergency fund
- keeping up to date with the Age Pension and other Centrelink rules
- answering your questions as they come up.
Ongoing advice fees start from $3,300 a year and can include an amount based on the funds we advise on. Your fee is confirmed in writing before any work starts, and the FSG sets out how it's worked out. You deal with Simon directly at every review.
“When we have concerns, Simon answers them in a timely and professional manner.”
Grant, Jan 2026Selected reviews. Individual experiences vary.
Product fees and insurance commissions
Product fees
Your super fund or investment platform charges its own fees for things like administration, transactions and reporting. These are paid to the product provider, not to Simon. Simon takes these costs into account when he recommends a product. The Product Disclosure Statement (PDS) for each product sets out its fees.
Life insurance commissions
If your plan includes life or personal insurance (life, TPD, income protection or trauma cover), the insurer may pay us a commission. These payments are set out in our FSG. As people get closer to retirement, their insurance needs often change, so Simon reviews whether your cover still fits.
Every cost explained before you commit
You stay in control. Before any work starts, you'll know what your advice will cost and what's included. Ask as many questions as you like.
“We highly recommend Simon and are very grateful for the excellent customer service.”
Grant, Jan 2026Selected reviews. Individual experiences vary.
Common questions about fees
How much does a retirement financial planner cost?
It depends on how complex your situation is and how much ongoing help you want. At Sunlit Path, a Statement of Advice starts from $3,300, there's no separate implementation fee, and ongoing advice fees start from $3,300 a year and can include an amount based on the funds we advise on. We quote your Statement of Advice fee as a fixed dollar amount before any work starts.
What happens in the 30-minute Fit Check?
It's a relaxed conversation by phone or video call, working through a simple retirement checklist. It's general information, not personal advice. If we're a good match, Simon explains the next steps and the cost before anything goes ahead.
Can advice fees be paid from my super?
Sometimes. If your fund allows it, fees for advice about your super account can be paid from that account. Paying from super reduces your super balance, and it needs your written consent. Simon will explain whether that's an option for you when he quotes your fee.
Are advice fees tax deductible?
It depends on what the advice covers and your circumstances. Generally, advice fees are only deductible in limited cases, such as ongoing advice about income-producing investments, or the part of a fee that relates to managing your tax affairs when the advice comes from a registered tax agent or a qualified tax relevant provider. Simon is a qualified tax relevant provider, so his advice can include tax (financial) advice. You must pay the fee yourself: fees paid from your super balance can't be claimed. This is general information only. Your registered tax agent can confirm how it applies to you. We provide itemised invoices to make that easier.
How do I check Simon's registration?
Simon is listed on the Financial Advisers Register on Moneysmart. https://moneysmart.gov.au/financial-advice/financial-advisers-register#!id=000341008
Want to know what your advice would cost?
Start with a 30-minute Fit Check by phone or video call. If we're a good match, Simon will quote a fixed dollar fee before any work starts.
Or call Simon on (07) 5327 3495
Sunlit Path Retirement Partners is a trading name of The Trustee for Mino Family Trust, ABN 16 788 964 101