All you need to know about Marc
Marc Bineham

My day job for over 30 years has been as a financial adviser. I was 30 when I first advised a couple ahead of their retirement. At the time, as I was about to go over my report with them, John said to me, ‘Marc, you do realise we only get one shot at this don’t you?’ It was a light bulb moment, a reminder to me that retirement is not just about the numbers but is the start of a whole new life and challenge. This philosophy has stuck with me during my journey as an adviser ever since. I have recently completed my new book “The Money Sandwich” for people in their 50’s and 60’s who are sandwiched between support of their young adult children on one side and their ageing parents on the other, while they are also trying to plan for their own retirements. I am no longer advising but am now investing my time coaching and educating more people in this area as I believe every Australian deserves to retire comfortably and on their own terms. Outside of my work, my wife and I love travelling, especially around Italy, even though I remain tragically poor at learning the language. I still enjoy kicking a soccer ball around the field while in a past life I was a Latin and ballroom dance teacher.


•    Accredited Listed Product Adviser (ASX Direct Shares) Accreditation
•    Advanced Diploma of Financial Planning
•    Fellow Chartered Financial Practitioner (FChFP)
•    Self Managed Superannuation Funds (SMSF) Accreditation


“Why should I pay for financial advice?”

The fees we charge for financial advice is only a fraction of the value we derive for our clients, meaning our clients are always better off after seeing us. Rarely do we encounter a new client invested appropriately for their needs, with adequate risk protection, structuring and estate planning provisions in place. Even small tweaks to a financial plan over a long period of time can result in drastically better outcomes for our clients which eclipses the fees of the financial advice. Additionally, you can opt-out of an ongoing fee arrangement at any time.

“What is the process for getting our own personal financial plan?”

After our initial phone call to discuss why you are seeking a financial adviser, we arrange a discovery meeting that outlines what is important to you, your current position, our areas of advice, our approach. We then present a Statement of Advice (SoA) to discuss your goals and our recommendations and go through the steps of how to proceed to the implementation stage. After signing the SoA, we discuss your questions, get you to sign the authority to proceed and complete any application forms before implementing the recommendations detailed in the SoA.

“How do you charge for your services?”

In our discovery meeting with you our advisers discuss the initial advice fee and the ongoing fees associated with our services.

“Should I pay more off my mortgage or put more money into super?”

One thing to consider is the interest rate on your home loan in comparison to the rate of return on your super fund. Before making a decision, it’s also important to weigh up your stage in life, particularly your age and your appetite for risk. Whatever strategy you choose you’ll need to regularly review your options if you’re making regular voluntary super contributions or extra mortgage repayments. As bank interest rates move and markets fluctuate, the strategy you choose today may be different from the one that is right for you in the future

“How do I know how much money I will need to retire?”

The amount of super you’ll need when you retire depends on your big costs in retirement and the lifestyle you want. The Associate of Superannuation Funds of Australia (ASFA) estimates for a single $44,224 a year and for couples $62,562 a year is how much you may need. This is only an indicator and our advisers assess everyone’s individual circumstances.

“How do I know Evalesco is the right fit for me?”

We know the impact of good holistic financial advice can make and we have the life experience, technical capability and quality support team that can make that difference for you. We’ve empowered over 1000 families through the delivery of great financial advice, to be healthy, wealthy and happy.

“How will I measure the value or success of receiving financial advice?”

We believe the true value of financial advice isn’t found in dollars and cents (although this is important too!) but in the peace of mind a financial plan can provide. It’s knowing where you want to go and how to get there, with a dedicated team behind you every step of the way.

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Evalesco Financial Services Level 17, 20 Bond Street Sydney NSW 2000
Phone: (02) 9232 6800

Evalesco Financial Services Pty Ltd is a Corporate Authorised Representative (325313) of Australian Advice Network Pty Ltd.

ABN: 13 602 917 297 AFSL: 472901