PLNT is a Sunshine Coast financial advice firm. Personal insurance, superannuation and retirement strategy, built around your story, reviewed properly, and explained without the jargon.
Most working Australians are underinsured and underserved, so protection comes first. From there, we build the rest of your plan and keep it current as life changes.
Life, TPD, trauma and income protection. Most people are underinsured, overcharged, or both. We find the gap and close it.
Learn moreContribution strategy, fund selection and structure, so every dollar heading into super is working in the right direction.
Learn moreModel your retirement, settle on your number, and build a plan we review as life changes. Clarity before the countdown.
Learn moreEvidence-based portfolios matched to your goals, your timeframe and your honest comfort with risk. No speculation, no hot tips.
Learn moreClear, calm guidance through one of the most complex financial decisions a family will face. We make the numbers make sense.
Learn moreA structure to pay down debt with intention, without stopping the wealth you're already building.
Learn moreThree ways to work with us, each scoped and priced before anything begins.
A single, scoped engagement. We measure your current cover against what your income, debts and dependants would actually need, recommend the right structure across life, TPD, trauma and income protection, then manage the application and underwriting end to end. You finish with cover you understand. No ongoing commitment.
For clients who want the full picture kept current: insurance, super, investments and retirement, reviewed every year and adjusted as life and legislation change. A standing relationship, with support at claim time, rather than a once-a-year check-in.
One decision, properly advised. A redundancy payout, a business insurance structure, consolidating your super. We scope it and price it up front, so you get a clear answer without committing to anything ongoing.
Before any product recommendation, we ask what you're building toward, what worries you and who you're doing this for. Strategy without that context is just paperwork.
You'll know exactly what you're paying, and what it's for, before any work begins. Clear, agreed up front, and nothing hidden.
The modelling, the fine print, the edge cases. We handle all of it, then give you the answer in language that lets you decide.
Insurance is only as good as the claim it pays. If you ever need to claim, we're in it with you, from lodgement to outcome.
James Flannery · Sunshine Coast
Financial Adviser & Director · BCom (Financial Planning)
James started PLNT with a straightforward belief: advice works better when your adviser understands your life before they open a spreadsheet.
He has worked in financial services since 2022. Insurance is where most people are most exposed, and most underserved, so it's where PLNT puts the most work.
Clients consistently say two things: we listen, and we're thorough on the technical detail. Both are accurate. For everything outside financial advice, mortgages, tax, legal, we draw on a trusted local network rather than claiming to do it all.
He works with clients in person and online, wherever suits.
Four steps. You always know where you stand and what's next.
Tell us where you're at and what's on your mind. We'll tell you honestly if we can help.
A full meeting to understand your situation, your goals and your story. We ask the questions that matter before we recommend anything.
We prepare your advice with fees agreed up front, walk you through it in detail, then handle the implementation, paperwork and all.
Annual reviews plus direct access to your adviser whenever something changes. The plan evolves with you, not just at renewal time.
Call, email or send a message, whatever suits. We meet across the Coast and corridor, or online, and we'll come back to you within one business day.