Superannuation, retirement income, tax, investments, protection and estate planning are often treated as separate problems solved by separate people.
The cost of fragmentation
Fragmented advice produces decisions that are individually reasonable and collectively inefficient. A contribution strategy that ignores cash flow. An investment structure that complicates estate intentions. Insurance held in the wrong entity.
Integration in practice
Integrated advice means the decisions are considered together, and coordinated with your accountant, solicitor and other professional advisers where appropriate.
What it changes
Complexity becomes clear decisions. Fragmentation becomes structure. Second-guessing becomes greater confidence.