Prepared for Chris Cornish
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If you're already retired or getting close, the first question may not be which product to choose. It may be how the decisions around your retirement fit together.
Your super, investments and income plans can each look fine on their own. The next decision still deserves a view of the life you want those arrangements to support.
Cornish Wealth Management starts with your circumstances and the strategy behind the decision. Products are considered after the strategy, within an independent, flat-fee advice model.
The practice was established in 2010 and publishes a one-off path for people who want a second opinion or need to work through one significant situation.
If a retirement question has been sitting with you, click the link to see how the initial consultation works.
People approaching retirement often have important financial pieces sitting in different places.
Super, an investment account and the income question can sit in separate places. You can keep track of each piece and still want someone to look across the whole retirement picture.
Cornish Wealth Management provides independent retirement planning advice for self-funded retirees and people working toward retirement. Your first step is a conversation about your situation. From there, strategy comes before specific products, and the published fee model is fixed rather than based on a percentage of your account balance.
Start with the question that brought you here. You don't need to arrive with every answer.
Complete the short form through the link and find out whether an initial consultation is the right next step.
If you're a self-funded retiree and you want to know why a product belongs in your retirement plan, start with the strategy.
A product can only make sense in relation to what you want your money to do, the decisions in front of you and the rest of your financial position.
Cornish Wealth Management's published model starts with your circumstances and considers products after the strategy. The practice says its retirement advice is independent, uses fixed fees rather than percentage fees and has no commissions, kickbacks or referral fees.
That gives you a practical question to bring to the first conversation: what's this decision meant to help you do?
Click the link if you want to explore an independent initial consultation about your retirement question.
If one retirement decision keeps coming back to you, you can start with that question.
Perhaps you're approaching retirement, looking for a second opinion or working through a significant change. A clear view of one situation may come before you decide whether ongoing advice belongs in your plans.
Cornish Wealth Management publishes a one-off advice path. It begins with an initial general advice meeting, and the official site says an ongoing relationship isn't required for that path. Specific product recommendations sit in separate Statement of Advice work.
The first conversation gives you a place to explain what you're trying to work out and understand the next step.
Use the link to complete the short form and ask about the initial consultation.
If you're approaching retirement, you can ask what the advice covers and how it's charged before deciding whether to continue.
Cornish Wealth Management publishes a fixed-fee structure and separates the initial general advice meeting from further Statement of Advice, implementation and annual service work.
That helps when you want the first step explained without agreeing to a larger advice relationship before you understand the scope. Bring your retirement question, ask what information is useful and decide what the next conversation should cover.
The practice provides independent retirement planning advice for self-funded retirees and people approaching retirement. No investment outcome is promised, and the first meeting isn't a product recommendation.
Click the link to look at the initial consultation and the published fee context.
If you're already retired or getting close, you want your money to support the life you've worked for. Often, the difficult part is seeing how the decisions fit together before you make the next one.
Start with the short form below this video. Tell Cornish Wealth Management what you're trying to work out and why you're looking for advice. If an initial consultation is a sensible next step, the team can explain how that works.
You might be thinking about when to retire, how to draw an income, whether your super and investments still support the life you want, or whether a decision you've been putting off deserves a second opinion. Those questions can feel separate when each account is looked at on its own. Retirement is the point where they start affecting one another.
That's why the useful starting point is your situation and the strategy behind it. You can talk through the decision in front of you, the parts of your financial position that may be involved, and what you want your retirement to support. The advice process can then make the order of the questions easier to understand.
Cornish Wealth Management is an independent retirement-planning practice established in 2010. According to the official site, over twenty years of financial-services experience sits behind the advice, and the practice operates under its own AFSL 436740.
Cornish's published model is built around your interests. Retirement planning is the firm's stated focus, with fees set as fixed amounts rather than a percentage of your account balance. The site also says the model has no commissions, kickbacks or referral fees. Products are considered after the strategy, so the first conversation has room for the question that led you to seek advice.
You may already manage your own money. An accountant, investment platform or another professional may already be part of your financial life. That doesn't make a second view pointless. It can be useful when you want someone to look across the retirement decision and the arrangements that are meant to support it.
You may also be wary of starting an advice relationship before you know the scope. Cornish's official one-off advice path is designed for a situation such as approaching retirement, wanting a second opinion or working through a significant financial decision. That path doesn't require an ongoing relationship, according to the site.
The first meeting is a general advice meeting. It's a chance to discuss the situation and understand the direction of the advice. A specific product recommendation requires separate Statement of Advice work, keeping the first conversation focused on understanding the situation and its next step.
It's also reasonable to ask what the advice costs. Cornish publishes the fee for the initial general advice meeting and separates that from the fees for a Statement of Advice, implementation or an annual service arrangement. That gives you a way to understand the scope before you decide whether more advice is useful.
This service is for self-funded retirees and people approaching retirement who want independent advice about a real decision. That path may suit you if your question involves super, investments, retirement income or a second opinion. It isn't a promise that every decision will produce the same result, and it can't remove investment risk or predict every future event.
The purpose is more practical. You'll leave the first conversation knowing which question needs attention, what further information would be useful and whether the proposed advice scope fits what you need. More work might be worthwhile. A one-off answer might be enough. The point is to make that decision with the scope in view.
Clients who have published testimonials on the official website describe the advice as well considered, tailored, thorough and professional. Some say they felt more confident about what to do next. Those comments are individual experiences. They show the kind of service the practice aims to provide, while your own circumstances will shape your result.
If you have a retirement decision sitting in the back of your mind, start with the form below this video. Tell the team the question in your own words. You don't need to turn it into a technical brief first.
The form is the first step. From there, Cornish Wealth Management can explain whether an initial consultation call fits your situation, what that first meeting covers and what information would be useful. If you want to understand the published fee and independent model before you complete it, those details are available on the page as well.
Click the link below to begin with the short form and put your retirement question on the table.
Thanks for arranging an initial consultation with Cornish Wealth Management.
You have probably booked because one retirement decision has been sitting in the back of your mind. It may concern when to retire, how your income could work, a second opinion or the way your current arrangements fit together.
This call gives you space to explain that decision in your own words. An adviser can ask enough questions to understand the wider situation and explain what information would be useful for any next step.
Cornish Wealth Management's published process starts with your circumstances and the strategy behind the decision. Specific products are considered after the strategy. Cornish describes its model as independent and flat-fee, with no commissions, kickbacks or referral fees.
The first meeting is a general advice conversation. If further advice makes sense, the team can explain the likely scope and the fee before you decide whether to proceed. The one-off path can suit people who want to work through one significant situation or seek a second opinion without agreeing to an ongoing relationship first.
More videos below cover the first meeting and fee scope, self-managed investments and strategy before a product decision. Watch the topics that match your situation, then bring the question you most want answered.
Bring the question you most want answered. The adviser can take it from there.
The first step after the call depends on what you're trying to decide and the scope of help you need.
The initial meeting is general advice. It can help you explain the situation, understand the questions involved and identify what further information may be useful. A specific product recommendation requires separate Statement of Advice work.
If further advice makes sense, the team can explain what that work covers and how the published fee structure applies. From there, you can decide whether the scope fits your circumstances. A one-off path may suit you, further planning may be useful or no additional work may be needed yet.
The point of the call is to make that next decision easier to understand. It isn't a promise of a particular investment outcome.
The first meeting gives you a place to talk through the retirement question that brought you to the page.
That could be a decision about when to retire, how your super and investments fit your plans, a second opinion or a significant change in your financial situation. An adviser needs enough context to understand the decision, not a perfect presentation from you.
The meeting is general advice. Ask what information would be useful, how the advice process works and what a later scope might include. If you're considering a specific product, the official process says that recommendation requires separate Statement of Advice work.
Bring your main question and a rough note of the financial pieces connected to it. Start there.
Cornish Wealth Management publishes fixed fees for its advice work rather than charging a percentage of your account balance.
On the official fees page, the initial general advice meeting is separated from Statement of Advice work, implementation and an annual service arrangement. Scope depends on the situation and the work you agree to discuss.
The published model also says there are no commissions, kickbacks or referral fees. That gives you specific questions to ask before deciding whether further advice is useful: what does the work cover, what information is needed and which fee applies to that scope?
The first meeting doesn't promise a return or a particular financial result. It gives you a clearer view of the advice conversation and the next decision.
Managing your own investments can give you a close view of each account and the decisions you have made.
You may still want another view of how those arrangements support your retirement. The question could involve income, the timing of retirement, super or a change you're considering. You can be comfortable with your current setup and still have one decision that needs more thought.
Bring a short explanation of how you currently make those decisions and what you want the money to support over time. An adviser can discuss whether an independent retirement-planning conversation would add anything useful.
The practice starts with your circumstances and strategy. It doesn't assume that a product change is the answer.
No single success rate can promise the same retirement result for every person.
Your circumstances, decisions, markets, timing and the way you act on advice all affect what happens next. An advice practice can't remove those variables or guarantee an investment outcome.
The useful standard for the first conversation is more specific. You should know which question is being addressed and what information is still needed. The team can explain the proposed scope and its fee. You should also be able to decide whether one-off or ongoing advice makes sense for you.
Cornish's official website publishes client testimonials describing clear, tailored and professional advice. Those are individual experiences. Bring your own retirement decision to the call so the conversation can stay connected to your circumstances.
A useful way to prepare for your call
Preview: Start with the retirement decision you want help thinking through.
Thanks for arranging an initial consultation with Cornish Wealth Management.
Before the call, write down the retirement decision you most want to discuss. It could be about when to retire, how your income may work, a second opinion or a change you're weighing up.
You don't need to turn it into a polished brief. A few notes in your own words will give the adviser a useful place to start.
The first meeting is a general advice conversation. It can help you understand the question in front of you and what information would be useful for any next step.
Kind regards,
Cornish Wealth Management
Put your retirement question on one page
Preview: A small exercise can show where the unanswered question sits.
Take a blank sheet of paper and write the retirement decision you're considering at the top.
Under it, note the parts of your financial position that may be connected to that decision. Add your super, investments or income question where relevant. Then circle the part that feels least clear.
The page doesn't need to look tidy. Its job is to give you a simple way to explain what has been sitting in the back of your mind.
Bring it to the call if it helps. The adviser can start with your question and explain what further information would be useful.
Kind regards,
Cornish Wealth Management
Bring the question you still want answered
Preview: Your own notes are enough for an initial discussion.
Your call is coming up.
Have the question you most want answered in front of you. If another professional already helps with part of your financial position, make a rough note of what they're handling. That can help the adviser understand where this retirement decision sits.
You don't need to gather every statement before the call. Start with the decision, the timing you're considering and the part that feels hardest to connect.
Use the time and joining details in your booking email when the call begins.
Kind regards,
Cornish Wealth Management
What's your retirement money meant to support?
Preview: A retirement plan starts with the life you want your money to support.
An account balance can tell you what's there. It doesn't answer every retirement question.
Common questions include when to stop work, how your income could work and whether a decision you're considering fits the rest of your financial position.
The useful starting point is the life you want your money to support and the decisions that sit between today and that life. Looking at each account separately can leave the connecting question untouched.
Cornish Wealth Management provides independent retirement planning advice for self-funded retirees and people approaching retirement. The practice starts with your circumstances and the strategy behind the decision.
If there's a retirement question you haven't been able to settle, the initial consultation page gives you a place to start.
Kind regards,
Cornish Wealth Management
You can start with one retirement question
Preview: A second opinion doesn't have to begin with a complete life plan.
Some advice questions are broad. Others are specific.
You may want another view on a retirement decision, a significant financial change or the way your current arrangements fit the next stage. Ongoing advice may not yet be part of your decision.
Cornish Wealth Management publishes a one-off advice path for situations like these. The initial meeting is general advice, and the official site says an ongoing relationship isn't required for that path. Specific product recommendations require separate Statement of Advice work.
That gives you room to begin with the question that brought you here and understand the scope of any next step.
Kind regards,
Cornish Wealth Management
What should the product help you do?
Preview: A product decision makes more sense when its role in your retirement is clear.
Before choosing a product, it helps to know what the decision is meant to support.
The question may involve retirement income, your super, investments or a change in the way you want to use your money. A product is one part of that decision. Its role only becomes clear when the wider strategy is understood.
Cornish Wealth Management's published model considers strategy before products. The practice describes its advice as independent and says its fees are fixed rather than based on a percentage of your account balance.
Bring the question behind the product to the initial consultation.
Kind regards,
Cornish Wealth Management
Know what the advice covers first
Preview: Cornish publishes the first meeting and the work that can follow it.
It's reasonable to ask what advice covers and how the fee is structured before deciding whether to continue.
Cornish Wealth Management publishes a fee for the initial general advice meeting. Its fees page also separates that meeting from Statement of Advice work, implementation and an annual service arrangement.
That distinction gives you a clearer conversation about scope. You can ask what information is useful, what the proposed work would cover and whether one-off or ongoing advice fits the decision in front of you.
The published model also says there are no commissions, kickbacks or referral fees.
Kind regards,
Cornish Wealth Management
Every asset above plugs into one place in this flow. Once it's running, the only thing you see is qualified bookings on your calendar.
We handle every piece of the build, deployment, and the first 30 days of campaign management. You film, we run.
If yours isn't here, it's the first thing we'll cover on the call.
