Adam O'Neill

Legacy Financial Planning Pty Ltd

Gold

17 Yrs Experience

Richmond, VIC 3121

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I'm Adam O'Neill, and I run Legacy Financial Planning from Richmond, Melbourne. After more than 20 years in financial services, I've learned that good advice rarely starts with a product — it starts with a proper conversation about where you are and where you want to end up.

Every recommendation is shaped around your circumstances. Most of my clients are families, professionals and business owners working through the questions that matter over a lifetime: building wealth, getting super working properly, protecting their income and family, and planning for a retirement that actually looks like the one they imagined.

Because I'm also a mortgage broker, I can factor property and debt into the plan where it's relevant — one adviser across the whole picture, rather than strategy in one office and the loan in another.

My approach is simple. No jargon, no pressure, and no recommendation I wouldn't be comfortable explaining to you line by line. If something isn't in your interests, I'll say so plainly. Many of my clients have been with me for years — through first homes, growing families, career changes and into retirement — and that's the measure of success I care about most.

Superannuation
Insurance Protection
Managing Debt
Property Investment
Cashflow & Income
Socially Responsible
Borrowing
Tax Strategies
Growing Assets

Transparent, fixed-fee advice.

At Legacy Financial Planning we charge fixed dollar fees agreed with you upfront, so you always know exactly what you're paying and what you're getting.

Fees are based on the complexity and scale of your situation — not a set percentage automatically deducted from your investments each year.

Initial meeting: Complimentary, no obligation. We use this to understand your situation and confirm whether we can add value before you commit to anything.

Initial advice (Statement of Advice): Typically $3,300–$5,500 depending on complexity, quoted as a fixed fee before any work begins.

Ongoing advice: We offer annual advice service packages tailored to the complexity and scale of your situation — scope and fees are agreed together at engagement and renewed with you each year.

One-off or limited-scope advice: Available where a full engagement isn't needed — quoted to scope.

Insurance: Where we arrange personal insurance (life, TPD, trauma, income protection), we may receive commission from the insurer, which is fully disclosed and can offset our advice fee.

All fees are disclosed in writing before you engage us. Legacy Financial Planning holds its own AFSL (519446) — advice decisions are made in our clients' interests, not a licensee's.

5.00 September 2019

As long standing client of Adam, I would like to express my satisfaction and support for MyLegacy Financial Planning. I have been associated with Adam as a client for over a decade. I have always found Adam and his staff to be professional and efficient in the services provided and do not hesitate in recommending them to my friends. In recent years I have recommended Adam to numerous acquaintances and work colleagues. All said and done I feel my financial future is in competent, proactive and above all an honest set of hands with Adam.