Our advisory is operating at capacity, reflecting the tailored approach we provide. We’ll begin onboarding select new clients again from 2 February 2026.
Our Approach: From Process to Fees
This page is designed to clarify what to expect when you work with us from start to finish. Our process, approach and fees. Also, answer any questions you might have about working with Me. Whether you're wondering how we can help you grow your wealth or simply want to understand our approach, you'll find the answers here. If you don’t see what you’re looking for, just give me a call—I’m always here to help.
Mo Shouman
Founder and Principal Adviser
Frequently asked questions (FAQ)
During our first meeting, we’ll have a relaxed and open conversation about you and your financial situation, goals, and any concerns you might have. I’ll explain how I work, what you can expect from the process, and if and how I could help. This meeting is all about understanding your needs and seeing if we’re a good fit to work together. It’s a no-pressure environment, focused on your financial well-being.
I take the time to understand your unique financial situation, goals, and values. Based on this understanding, I create a personalised financial plan that includes specific recommendations tailored to your needs. In this plan, I’ll explain what each recommendation is, why it’s in your best interest, and how it can help you get ahead financially. You will also get a detailed modelling for the proposed scenario to see how the plan works in real numbers. My goal is to ensure you have a clear path making informed decisions toward achieving your life goals with confidence not taking a leap of faith.
The cost of my financial planning services varies depending on the complexity of your needs, but I provide a clear breakdown of fees upfront. Typically, the service includes an initial consultation, a comprehensive financial plan tailored to your goals, and the implementation of the plan. I also offer ongoing support to ensure your plan stays on track as your life changes. The specific costs and services will be outlined in detail before we begin, so there are no surprises.
I analyse your financial situation to identify opportunities for tax savings and wealth growth. By optimising your investments, structuring your income efficiently, and leveraging tax-effective strategies and structures, I will help you reduce your tax burden and keep more of what you earn. My goal is to ensure that your money works harder for you, helping you grow your wealth over time while minimizing unnecessary bonus you are paying to the tax man.
I work with a diverse range of clients, with specific focus and expertise helping tech professionals earning $250,000 or more who are serious about saving on tax and making more money to retire early.
Whether you’re looking to grow your wealth, plan for retirement, or improve your financial future, I tailor my services to meet your unique needs.
I start by understanding your long-term goals through detailed conversations and fact-finding. Also, unpacking your short and long term goals. From there, I design a financial plan that’s specifically aligned with those goals, whether it’s saving on tax, buying your next property, superannuation planning, investment management, or early retirement planning. I also regularly review and adjust your plan to ensure it stays on track as your circumstances and goals evolve. My focus is on creating a plan that not only meets your current needs but also adapts to your future aspirations.
I take a balanced approach to managing investment risk by first understanding your risk tolerance through a detailed assessment. Based on additional factors, I recommend a diversified portfolio that aligns with your comfort level and financial goals. I provide examples of both high-growth and low-growth investments, explaining their potential risks and returns over the short and long term. My goal is to help you make informed decisions that balance risk with the potential for growth, ensuring your investments are aligned with your long-term objectives.
We will review your financial plan at least once a year to ensure it remains aligned with your goals and any changes in your circumstances. However, if there are significant life changes or market shifts, we will schedule additional reviews as needed. Regular reviews help us make necessary adjustments to keep your plan on track, so you can feel confident that your financial future is well-managed.
On the top of the strategic reviews, we have a monthly, quarterly and semi annually internal reviews on all our clients plans and portfolios.
At My Wealth Choice, I focus on providing personalised, unbiased advice that’s tailored to your unique needs and goals. We are not aligned with any bank or super fund. Unlike some advisers who may push products for commission, I’m completely free from bias on my investment recommendations and do not hold any ownership in any financial product we recommend. Ensuring that my recommendations are solely in your best interest. I work closely with you to develop a plan that truly reflects your financial aspirations, and I prioritise building a relationship based on trust and transparency, so you always feel confident in the decisions we make together.
Staying up-to-date is a team effort at My Wealth Choice. I’m supported by a large, multi-experienced team from various aspects of financial planning, who all contribute to ensuring we are on top of the latest market trends, regulatory changes, and best practices. We regularly attend industry seminars, complete ongoing minimum 40 hours of professional education, and collaborate to share insights. This collective expertise allows us to provide the most current and well-rounded advice, keeping your financial plan effective and aligned with your goals.
No, I do not receive any commissions from the products I recommend. My advice is completely unbiased, and my only focus is on what’s best for you and your financial goals. This approach ensures that the recommendations I make are solely in your best interest, without any influence from product providers. My commitment is to transparency and trust, so you can feel confident in the advice you receive.
The only exception is for personal insurance recommendations. We accept the legal industry rate which is legislated in Corporations Law and supervised by ASIC. The same way your mortgage broker receives commission for their loan services
At My Wealth Choice, your privacy is a top priority. We handle your personal information with the utmost care, using strict confidentiality protocols and advanced security measures to protect your data. We comply with all relevant privacy laws, and only share your information with third parties when necessary and with your consent. For full details on how we protect your privacy, please refer to our Privacy Policy available on our website.
If your financial situation changes, we can revisit and adjust your financial plan to ensure it still aligns with your goals and circumstances. Life is dynamic, and your financial plan needs to be flexible enough to adapt to any significant changes, whether it’s a new job, a major purchase, or changes in your financial priorities. I’m here to support you through these changes and ensure your plan continues to work for you.
Yes, I offer ongoing support to ensure your financial plan stays on track even after it’s implemented. We’ll regularly review your plan together, making adjustments as needed to keep up with any changes in your life or the financial landscape. My goal is to provide continuous guidance, so you can feel confident that your financial future is well-managed and aligned with your goals.
Getting started is simple!
Click the button below to book a quick chat to see if and how I could help.
During this meeting, we’ll discuss your financial goals, current situation, and how I can help you. This first step is all about getting to know each other and determining if we’re a good fit to work together. From there, we’ll move forward with creating a personalized financial plan tailored to your needs.
If you don’t have time for a financial plan, that’s exactly why you should hire me. You might be crushing it at work, making good money, and even managing a couple of investment properties, but I can help you take it to the next level. While you focus on your career and family, I’ll handle the complex financial details, ensuring that your wealth continues to grow and your financial goals are met. My goal is to free up your schedule by taking care of the research, planning, and implementation. This way, your finances are well-managed, and you can continue doing what you do best without worrying about the details.
In saying that, I need 4 hours of your time in the first year we work together then 2 hours year afterwards. If you think that is unreasonable and you can' t commit that time to work with me then we are not a good fit. You need to help me help you.
Financial planning provides you with a clear roadmap to achieve your financial goals, offering peace of mind and a sense of control over your future. It helps you make informed decisions about saving, investing, and managing your money more effectively. A common mistake I seeis that people implement first and hope what they did will work out.
By working together, I can help you optimise your finances, reduce unnecessary taxes, and position yourself for long-term success. Even if you’re unsure about the benefits, the clarity and confidence you gain from a well-crafted plan can be invaluable. Many clients find that the insights and strategies we develop together are worth far more than the initial investment.
Not at all. Many of my clients come to me because they want to build wealth, not just manage it. Whether you’re just starting out, growing your career, or already established, I’ll meet you where you are financially and create a plan that suits your goals and resources. My focus is on helping you move forward with confidence, no matter your starting point.
Yes. Superannuation and retirement planning are core parts of the advice I provide. I help you structure your super contributions, investment choices, and tax strategies to maximise your retirement savings. Together, we’ll create a clear plan so you can retire on your terms and enjoy the lifestyle you want.
Yes. Property can play an important role in wealth creation, but it needs to fit within a broader financial strategy. I provide guidance on how property investments, shares, and other asset classes can work together in a diversified plan tailored to your goals. My aim is to ensure your investments are balanced, tax-effective, and aligned with your risk tolerance.