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In this episode, Stuart dives into the rising cost of financial advice and what it means for Australians. With ongoing advisor fees often starting at $5,000 per year, many advisors now focus on long-term client relationships, leaving fewer options for those seeking once-off advice. Stuart explains how this shift forces many to navigate financial decisions independently, a challenge that can be daunting but not impossible.

He shares four key steps to take before hiring a financial advisor: first, get a clear understanding of your cash flow; second, educate yourself on fundamental financial concepts like superannuation, property vs shares, and leveraging debt to invest; third, assess whether your next financial move is obvious or if you truly need strategic advice; and finally, make sure your financial house is in order by addressing any outstanding issues like consolidating super or building a savings buffer.

Stuart's advice empowers listeners to take proactive steps toward financial independence while highlighting when it might be necessary to seek professional help. Whether you're just starting your wealth-building journey or considering your next big move, this episode offers practical guidance to help you make smarter financial decisions.

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IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.