what does a financial adviser do

A financial adviser provides guidance on managing finances, including investments, retirement planning, and insurance. They can help clients understand their financial goals and develop strategies to achieve them, depending on individual circumstances.

how do financial advisers charge for their services

Financial advisers may charge for their services through fees, commissions, or a combination of both. The specific structure can vary based on the adviser and the services provided, so it's important to discuss and understand the fee arrangement before engaging their services.

can financial advisers help with insurance

Yes, financial advisers can assist with understanding and selecting insurance policies that align with financial goals. They typically provide advice on the types of coverage that may be beneficial, depending on individual needs and circumstances.

what qualifications do financial advisers need in australia

In Australia, financial advisers are required to meet certain educational and professional standards, including a relevant degree and passing an exam. They must also be registered with the Australian Securities and Investments Commission (ASIC) and adhere to ongoing professional development requirements.

Gold Coast Financial Advisers

Gold Coast Financial Advisers — Our Trusted Referral Partner

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For life insurance, income protection, superannuation and investment advice, we refer clients to our trusted partners at Gold Coast Financial Advisers — licensed financial advisers authorised under Wealth Today.

Granite Belt Insurance Brokers arranges general insurance for farms, businesses, homes and vehicles. When our clients need advice on personal risk insurance or financial planning products, we refer them to Gold Coast Financial Advisers, a specialist financial advice firm that holds the appropriate licence authority through Wealth Today.

Need life insurance, income protection or financial planning advice?

These products require personal advice from a licensed financial adviser and are outside the scope of our general insurance licence. We refer clients to our trusted partners:

Gold Coast Financial Advisers — Licensed financial advisers · Authorised under Wealth Today
www.goldcoastfinancialadvisers.au · Ask us to make an introduction.

What Gold Coast Financial Advisers can help with

Life insurance — term life cover providing a lump sum for your family on death or terminal diagnosis
Income protection insurance — monthly benefit replacing income if you are unable to work
Trauma / critical illness insurance — lump sum on diagnosis of a serious condition
Total and permanent disability (TPD) — lump sum if permanently unable to return to work
Superannuation advice — fund selection, rollovers, contribution strategies and SMSF advice
Investment advice — managed funds, portfolio construction and investment planning
Retirement planning — building and managing a retirement income strategy

Why we refer rather than advise on these products

We are authorised under Community Broker Network Pty Ltd (AFSL 233750) for general insurance products only. Advising on life insurance, income protection and superannuation requires a separate AFSL authorisation that we do not hold. Rather than leaving clients without a pathway, we have a standing referral relationship with Gold Coast Financial Advisers, who hold the appropriate Wealth Today AFSL authority for these products. When you ask us about these areas, we make a warm introduction.

What we can help with

We arrange all forms of general insurance for our clients — farms, businesses, homes, vehicles, trades and specialist commercial risks. If you need general insurance alongside your financial planning, we work alongside your financial adviser to ensure the full picture of your risk management is covered.

Farm insurance for agricultural operations
Business insurance for commercial premises
Home and contents for residential properties
Contact Us to speak with our team

❓ Common questions about this cover

Here are some of the questions we are commonly asked when arranging gold coast financial advisers for clients across the Granite Belt, New England and Northern Rivers.

How much does gold coast financial advisers cost? Premium depends on your specific situation — cover type, sum insured, activities, claims history and insurer selection all affect the price. We compare options and explain the differences.
Do I need a broker or can I go direct? You can go direct to an insurer, but a broker compares multiple markets, structures cover to match your needs, and advocates for you at claim time. For complex or rural risks, broker access often finds options not available direct.
What happens if I need to claim? Contact us immediately. We manage the notification process, help you document the loss, liaise with the insurer and their assessors, and advocate for a fair outcome.
How do I know if I’m underinsured? Your sum insured should reflect the full cost of rebuilding or replacing at today’s prices. We can help you review your sums insured at renewal.

Talk to a local broker

Granite Belt Insurance Brokers has been arranging insurance across the Granite Belt, New England and Northern Rivers since 1999. We are based in Stanthorpe and understand the local conditions, local risks and local insurer appetite. To arrange or review your insurance, contact us without obligation.

Call: 07 4681 1289 — Monday to Friday 8:30am to 5pm
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Request a quote or review: Contact Us

How the referral works in practice

When a Granite Belt Insurance Brokers client needs life insurance, income protection, superannuation advice or financial planning guidance, we make a warm introduction to Gold Coast Financial Advisers. This is not an arm’s-length referral — it is a standing arrangement between two firms that work alongside each other to ensure clients receive appropriately licensed advice across the full spectrum of their insurance and financial planning needs.

You contact Granite Belt Insurance Brokers or ask us about life insurance or super
We introduce you to Gold Coast Financial Advisers and provide relevant background
Gold Coast Financial Advisers conducts their own needs analysis and advice process under their Wealth Today AFSL authority
We continue to manage your general insurance — there is no disruption to your existing broker relationship

Gold Coast Financial Advisers can be contacted directly at www.goldcoastfinancialadvisers.au or through us. They are based in Helensvale on the Gold Coast and provide advice to clients across Queensland and New South Wales.

General advice only: All information on this page is general in nature and does not take into account your personal circumstances, financial situation or needs. It does not constitute personal financial advice. Before making any insurance decision, please speak with a licensed insurance broker to discuss your specific situation. Cover availability, terms, exclusions and premiums vary by insurer and policy wording. Always read the Product Disclosure Statement (PDS).

Get Insurance Advice

Complete the form and one of our advisers will be in touch to discuss your requirements.

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Available Monday to Friday, 9am to 5pm AEST. We aim to respond within one business day.