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△ Pinnacle Financial Advice 📞 (02) 6882 5500
Independent · Fee-for-service · Dubbo NSW ⏳

Wealth strategy built around your life, not a product commission

Marcus Webb CFP® provides independent, fee-for-service financial planning for business owners, professionals and pre-retirees across Dubbo, Orange, Bathurst and regional NSW. No product bias. No commissions. Just straightforward advice that puts your interests first.

Book a Discovery Call Explore Services
✓ AFSL 412 890 ✓ FPA Member ✓ Fee-for-service ✓ No commissions

Why independent advice matters

Not all financial advice is created equal. Many advisers are employed by, or have commercial relationships with, banks and insurers — creating incentives to recommend products that may not be right for you.

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    No bank or insurer alignment We have no ownership or commercial arrangements with product providers.
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    Fiduciary duty to you We are legally and ethically obliged to act in your best interests at all times.
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    FoFA compliant, always Full compliance with the Future of Financial Advice reforms — banned commissions, opt-in obligations met.
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    Transparent fee schedule Fixed fee or ongoing retainer — quoted upfront, agreed in your Statement of Advice before work begins.

Our advice areas

Comprehensive financial planning across all life stages and business scenarios.

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Wealth Accumulation

Investment strategy, portfolio construction and asset allocation tailored to your goals and risk profile. We build structures that grow wealth tax-effectively.

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Retirement Planning

Transition to retirement, account-based pension streams, and sequencing-of-returns strategies. We model exactly how your money will last in retirement.

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SMSF Strategy

Setup, ongoing strategy, and compliance for self-managed super funds. Investment policy statements, contribution planning, and full trustee support.

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Business Exit Planning

Structuring the sale or succession of your business to maximise after-tax proceeds. CGT concessions, small business 15-year exemption, and reinvestment strategy.

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Risk & Insurance

Life, TPD, income protection and business expenses insurance — assessed on need, not commission. We compare the market and recommend what you actually need.

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Estate Planning

Wills, powers of attorney, binding death benefit nominations, and intergenerational wealth transfer. We co-ordinate with your solicitor to get the structure right.

CFP® Certified 15+ years experience SMSF Specialist Estate Planning FPA Member

Retirement Savings Estimator

Get a quick projection of your super balance at retirement. Takes 30 seconds.

What our clients say

★★★★★

"Switched from bank-aligned advice to Marcus — it was a completely different world. The strategy he built genuinely put us first. We saved $47k in tax on our farm sale alone."

— David & Carol B., Dubbo NSW
★★★★★

"Finally understand my SMSF after years of confusion. Marcus explains everything clearly, the annual reviews are thorough, and he's always available when I have questions."

— James W., Parkes NSW
★★★★★

"Debt-free four years ahead of schedule. The plan Marcus put together was straightforward and it worked exactly as he said it would. Best investment we ever made."

— Rachel T., Orange NSW
$180M+ Assets under advice
5.0★ (94 reviews) Google rating
15+ years In practice since 2008
Fee-for-service only No trailing commissions

Book a free discovery call

30 minutes, no obligation, no pressure. Tell us a little about your situation and we'll come prepared.

Get in touch

Service area: Dubbo, Bathurst, Orange, Mudgee and across regional NSW. Video and phone consultations available anywhere.
30-minute discovery call
No obligation, no hard sell — just a conversation about your situation and whether we're the right fit.

Frequently asked questions

We charge a fixed fee for preparing your Statement of Advice (SOA), agreed upfront before any work begins. Ongoing advice is charged as a flat annual retainer — never as a percentage of assets under management, which creates misaligned incentives. All fees are disclosed in your SOA and Ongoing Fee Arrangement document.
Commission-based advisers receive payments from product providers (insurers, fund managers) when they place a client into a product. This creates an obvious conflict of interest. Fee-for-service advisers charge the client directly — their income is unaffected by which products they recommend. Under Australia's FoFA legislation, conflicted remuneration on investment products is banned, but insurance commissions still exist. Pinnacle does not accept insurance commissions.
Not necessarily — and we'll always tell you honestly if an SMSF isn't the right tool for your situation. SMSFs generally make sense when you have a balance above $250,000–$300,000, want investment flexibility (e.g. direct property, shares, or alternative assets), or are running a business and want to own your commercial premises inside super. We'll model the costs and benefits against your existing fund before making any recommendation.
Earlier than you think. The compounding effect means that money invested in your 30s and 40s is worth far more than the same money invested in your 50s. That said, it's never too late — even someone five years from retirement can make significant improvements to their projected outcome through contribution strategy, tax structuring and investment decisions. Book a free discovery call and we'll show you exactly where you stand.

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