Advice documents
High-quality Statements of Advice tailored to your licensee, practice and clients.
Personalised contract paraplanning
Complex advice.
Clearly documented.
Personally prepared.
You work directly with an experienced senior paraplanner who prepares every advice document personally—translating your recommendations into technically rigorous, clearly structured advice that is polished and ready to present.
27+years in financial
services industry17+years contract
paraplanning1:1direct access to Rae Kutrolli,
your dedicated paraplanner
services industry17+years contract
paraplanning1:1direct access to Rae Kutrolli,
your dedicated paraplanner
Rae KutrolliFounder & Senior Paraplanner
Limited capacity available
Enquiries from new adviser practices are currently welcome.
Enquiries from new adviser practices are currently welcome.
YOUR TAILORED PARAPLANNING SOLUTION
Senior-level expertise.
One dedicated paraplanner.
You work directly with me from the outset. I support a deliberately small panel of advisers, learn how your practice operates and tailor each advice document to your preferred style and processes.
From straightforward implementation advice to complex, multi-phase retirement strategies, you receive technically rigorous work with the clarity, polish and attention to detail your clients expect.
What I do
Advice support that goes
beyond the document.
You gain an experienced second set of eyes across every file. I review the supporting material, consider how each element of the advice works together and raise material issues early—before they create rework or reach your client.
Financial modelling
Clear cash-flow, debt, investment, superannuation, retirement, Centrelink and aged-care projections prepared using Xplan XTools+ (CALM).
Research support
Superannuation, pension and investment platform comparisons, replacement analysis and supporting research reports prepared using Xplan WealthSolver.
Areas of advice
Cash flow & debtSuper & contributionsRetirement income, pensions & annuitiesInvestments, platforms & direct sharesSMSFs, including LRBAsPersonal & business insuranceCentrelink & aged careEstate planning strategies
“
I think like part of your practice—protecting your time, supporting your advice and maintaining the standard your clients expect.
— Rae Kutrolli
Meet your paraplanner
Experience you can rely on.
One person you can call.
I bring more than 27 years’ experience across financial services, including senior roles in compliance, strategy and advice documentation. Before establishing Paraplanner Solutions, I was AXA’s National Advice Documentation Manager, responsible for its DRAFT Online SOA generation tool.
That experience means I know what a high-quality advice document demands: technical accuracy, disciplined compliance and clear presentation that helps your clients understand the value of your advice. You get the judgement that comes with experience, together with the continuity and accountability of one person preparing your work from start to finish.
- Bachelor of Business
- Diploma of Financial Planning
- Completed CFP professional education program
- 27+ years in financial services industry
- 17+ years contract paraplanning
- Independent Xplan licence
- Professional Indemnity cover
- Based in Noosa, Queensland
Trusted by advisers
Relationships built to last.
Supporting both self-licensed and licensee-aligned advice practices with consistent, high-quality work and genuinely personal service.
Unprompted feedback following two completed SOAs
“You are an effing genius and an absolute godsend to my business. The day the gods shined on me and sent you in my direction would have to be one of the luckiest days I’ve ever had. Thanks for all the hard work you do for all of us. You’re a gem.”
Adviser feedback“I have been providing advice for over 26 years, and Rae has been my go-to paraplanner for the past 11½ years. I can honestly say I have not seen a better paraplanner in all my time. We consider her part of our team—and an important one at that. We could not be happier with the A-grade service and guidance she provides. The advice documents we receive from Rae require little or no work before presentation. I cannot recommend her work highly enough!”
After a late-night technical query“Rae, this is why I value having you in my corner so much. At this crazy time of night, I clearly wasn’t absorbing everything I should have! Thank you once again for your attention to detail, for researching the issue at the heart of the advice so thoroughly, and for providing the clarity I needed. You are a gem.”
Adviser feedback“I've worked with Rae for over 9 years and the quality of her advice documents and attention to detail are exceptional. I have no hesitation in endorsing her service.”
Adviser feedback“I have worked with Rae for over 6 years and highly recommend her. She is highly professional and provides personalised plans of the highest quality. I endorse her 100%.”
Adviser feedback“Highly recommend Rae. The quality of her advice documents is always of a high standard.”
Adviser feedback“I can certainly attest to the quality and efficiency of Rae’s paraplanning services. Highly recommended.”
Sample advice
See the advice
in action.
Explore selected pages from my advice documents to see how complex strategies are structured, explained and presented clearly for your clients.
Advice flowcharts
See how multiple recommendations are brought together in one clear visual.
Recommended strategies
How strategies, benefits, risks and alternatives are explained in detail.
Product recommendations
How product costs, features, investment allocations and replacement implications are presented.
Retirement projections
How retirement income and capital longevity are modelled and explained.
Scope, implementation & next steps
How advice boundaries, responsibilities, timing and implementation requirements are documented.
All samples are fictional or de-identified and provided for illustration only. They do not constitute personal financial advice.
Clear, job-based pricing
Know the cost
before I begin.
Your core SOA fee is based on the number of advice strategies. Projection modelling and specialist components are priced separately, so you know the cost before work begins.
No upfront fees, minimum work requirements or ongoing commitments. Prices include GST.
Statement of AdviceCore preparation fee
1 strategy$450
2 strategies$600
3 strategies$750
4 strategies$900
5 strategies$1,050
Projection modellingFrom $125Single $125 · Couple $175
Request the full fee schedule →A simple process
From request to
client-ready advice.
We establish our arrangement
Before work begins, we sign a Services Agreement and Confidentiality Deed. You also provide your licensee-approved template—or your logo and brand colours so I can create a tailored advice-document template for your practice.
You send your request
Provide your instructions, client information and supporting research.
I review the file
I check the information before drafting and raise material gaps or inconsistencies early.
I prepare the advice
Your document is written, modelled and formatted personally by me.
You receive a polished draft
You receive a client-ready draft prepared in your practice style and ready for your review.
The practical details
Frequently asked
questions.
What is your turnaround time?+
SOAs are generally completed within two weeks. Shorter turnaround times may be accommodated on request, subject to availability and the complexity of the advice.
Will someone else work on my file?+
No. You work directly with me, and I personally prepare your advice document from start to finish. Your work is never passed to a paraplanning team or offshore provider.
What software do you use?+
I am an experienced Xplan user and hold my own standalone licence, including Client Focus, WealthSolver and XTools+ (CALM). My licence does not include Risk Researcher, so you will need to provide any required insurance research.
I can work with your licensee-approved template or create a tailored advice-document template specifically for your practice.
Are there upfront fees or ongoing commitments?+
No. There are no upfront fees, minimum work requirements or ongoing commitments. Before work begins, we sign a Services Agreement and Confidentiality Deed that clearly set out our responsibilities and protect client information—without locking you into a minimum term or volume of work.
You are invoiced for each completed advice document, with any agreed modelling or specialist work itemised separately.
Are amendments included?+
If an amendment is required due to an error on my part, I will correct it promptly at no charge. Time charges apply where amendments arise from information that was incomplete or inaccurate when provided, or from changes to the original instructions or recommended strategy.
Do you have a paraplanning request form?+
No. I prefer not to give you another lengthy form to complete. Most of the information I need should already be contained in your Fact Find, including the client’s current personal and financial position, objectives, risk profile and the agreed scope of advice.
You only need to provide a brief outline of your recommendations, clearly identifying:
- Whether each account is being retained, partially transferred or fully transferred.
- Your recommended products and investments.
- All initial and ongoing fees, including how they are to be paid.
- Relevant quotes where insurance or annuities are recommended, including alternative comparison quotes.
You do not need to draft the reasons for your advice or the alternative strategies considered—I will prepare this wording from your recommendations and the supporting client information. I do not prepare insurance or annuity quotes.
You may provide Chant West research; however, I will recreate the relevant product and investment comparisons in Xplan WealthSolver so they integrate consistently throughout the SOA.
For personal or business insurance advice, you will need to provide the completed Xplan Risk Researcher reports, as my standalone Xplan licence does not include the Risk Researcher module.
Do you use modelling software other than Xplan?+
No. I work exclusively with Xplan XTools+ (CALM). I prefer to know one system inside out, so I don’t prepare projections using other modelling software.
Do you provide an advice-formulation service?+
No. You remain responsible for formulating and approving the advice; my role is to document it clearly and comprehensively.
As part of my initial review, I will raise any material gaps, inconsistencies or technical matters that may warrant further consideration before drafting begins. Any decision to amend the strategy remains yours to make and instruct.
Have an SOA in the pipeline?