The real value of financial advice goes way beyond returns – Read more here

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The cost of financial advice is easy to see. The value it creates can be much harder to measure.

Good financial advice is not simply about selecting investments. It is about helping clients make better decisions, structure their finances effectively, remain disciplined through changing markets and ultimately feel more confident about their financial future.

Ready to understand the true value of your financial advice?

Talk to your BG Private advisor today.

According to Russell Investments (2026), 90% of advised clients rated their advisor as providing good or excellent value, despite average annual advice fees increasing to $5,235. The same research found that confidence in achieving financial goals increased from 41% before receiving advice to 83% afterwards.

Value goes beyond investment returns

Some of the benefits of financial advice can be measured. Russell Investments (2026) estimates that advisors can add at least 5.5% p.a. in value through areas including appropriate asset allocation, behavioural coaching and tax-effective planning. This should not be interpreted as a guaranteed additional investment return, but rather as an illustration of the value that can be created through better financial decisions and behaviours.

However, not all value appears on an investment statement.

One of the biggest barriers to engaging a financial advisor is that the value can be difficult to see upfront. When clients don’t yet understand what advice can deliver, it’s natural for them to focus on the cost. But once the broader value is considered – including less financial stress, time saved, better decisions and costly mistakes avoided – the conversation changes. The research supports what advisors consistently observe in practice. Once clients understand the value being created, the fee becomes far less important. Advisors consistently identify meaningful ways to add value for clients, regardless of their circumstances.

Research by Vanguard (2025) found that advised clients were around half as likely to report high levels of financial stress as self-directed investors. The study also found that 86% of advised clients reported greater peace of mind when thinking about their finances compared with managing their finances alone.

Vanguard’s research considers the value of advice across four areas: portfolio, financial, emotional and time value (Vanguard, 2025). This broader approach recognises that professional advice can provide benefits beyond investment performance alone.

There is also the value of time. Vanguard (2025) found that 76% of advised clients believed advice saved them time, with those clients reporting a median saving of approximately two hours per week – more than 100 hours each year.

The benefit of an integrated approach

At BG Private, we believe this broader view of advice is particularly important because financial decisions rarely sit in isolation.

Investments can have tax implications. Superannuation decisions can affect retirement planning. Business and personal finances often overlap, while estate planning may involve several areas of a client’s financial position.

Clients often come to advisors after receiving advice that dealt with one part of their financial position without considering the broader picture. Others choose not to pay for advice and try to manage things themselves, only to find later that decisions made in isolation had unintended consequences. This is particularly common where advice has been limited in scope or focused on a specific product. It may appear cheaper at the outset, but once tax, superannuation, business structures, investments and longer-term goals are considered together, the strategy can end up being far from optimal.  

Good advice needs to consider the whole position, because decisions in one area can have a significant impact on another. This is why it is so important that professional advisors know how to work together. An integrated firm is the strongest expression of that, with specialists working collaboratively around the client rather than each looking at one part of the picture. 

As an integrated firm, our financial advisors work collaboratively with specialists across BG Private. This allows us to consider these areas together and provide advice around a client’s broader financial position, rather than looking at individual decisions in isolation.

What this means for you

Most BG Private clients won’t need to make dramatic changes to their financial approach. But if you’ve been hesitant about the investment in advice, these findings show why it pays off – not just in returns, but in clarity, peace of mind, and time saved.

The question isn’t whether advice costs – it’s whether you can afford not to have it. When the research shows that advisors deliver 5.5% in value annually, help you avoid costly mistakes, and give you back 100+ hours per year, the equation becomes clear.

Want to understand your advisor’s value?

Contact your BG Private advisor today — they can walk you through what they’re delivering and why it matters.

References: 

Russell Investments. (2026). Value of an Advisor: Making Invisible Value Visible. 

Vanguard. (2025). The Emotional and Time Value of Advice.