Everglow Fee & Loyalty Benefits Policy
A clear framework for how fees are reviewed, how loyalty discounts are earned, and how they apply — so every client knows exactly where they stand.
Quick Rule
Apply CPI / any uplift first, then apply Loyalty Benefits. Total discount is capped at 25% per engagement, per client/Group, per year.
Fee Principles
All engagements are governed by a consistent set of fee rules to ensure transparency and fairness across every client relationship.
Quoting
Written engagement letter required before work commences.
Currency
All fees quoted in AUD, exclusive of GST.
Annual Review
Reviewed 1 July each year — at minimum, increased by CPI (ABS All Groups Sydney).
Additional Uplift
Applied where scope, complexity, or regulatory cost increases.
Order of Operations
CPI/uplift is applied first, then loyalty benefits are calculated on the adjusted fee.
Notification
Written notice provided with the annual engagement letter.
Everglow Loyalty Benefits
Clients can earn discounts across three benefit categories. Benefits stack — but the combined discount is capped at 25% per engagement, per client/Group, per year.
A. Financial Planning
Up to 15% — 5% per active advice scope (insurance, investment, super). "Active" means a current SOA/ROA or OSA in the last 12 months, fees paid, no dispute. Each scope counted once.
B. Lending
Up to 5% — while a loan is arranged, refinanced, or formally reviewed by Everglow Lending within the last 24 months, and commission is retained (no clawback).
C. Loyalty (Tenure)
Up to 15% — 5% per continuous 3 years as an Everglow client: 3 yrs = 5%, 6 yrs = 10%, 9+ yrs = 15%. A pause of ≤12 months is allowed; longer resets tenure.
Combined discount is capped at 25% per engagement, per client/Group, per year.
Discount at a Glance
The three benefit categories can combine up to the 25% cap. Here's how the maximum stacks:
Even if the raw sum of benefits exceeds 25%, the cap applies automatically. No exceptions.
Family & SME Groups
Who Qualifies?
Spouses, dependants, related entities, family trusts, and associated operating companies may form a Group.
How to Join
Written request plus consent from all members, approved at Everglow's discretion.
How Benefits Flow
- Financial Planning and Lending benefits earned by one member flow to the entire Group.
- Tenure is measured by the longest continuously engaged member.
Anti-Abuse Rule
Entity-splitting or re-engagement designed to reset or inflate benefits will void all benefits for the Group.
Eligible vs. Ineligible Fees
Loyalty benefits apply only to eligible fee types. Ineligible scopes are quoted separately at standard rates with no discount.
Administration & Anti-Abuse Rules
Eligibility Assessment
Assessed at time of quoting each engagement and recorded on file.
Transparency
Benefits shown as separate line items on every invoice.
Not Allowed
Cash/credit exchange, backdating, or stacking with other promotions unless explicitly stated.
Paused When
Invoice is >30 days overdue, a formal dispute/complaint is active, or misrepresentation occurs.
Reset to Zero
Chargebacks, fee reversals, clawed-back commissions, termination for cause, or breach.
Program Changes
Everglow may amend/suspend/withdraw with 30 days written notice. Signed current-year engagements are honoured.
Where any conflict arises, the engagement letter and applicable law prevail.
Worked Examples
These real-world scenarios show how benefits stack — and where the cap kicks in.
How to Qualify for More
Maximising your Everglow loyalty discount is straightforward — engage more broadly, stay longer, and keep your account in good standing.
Maintain Active Financial Planning Scopes
Keep insurance, investment, and/or super advice current with a valid SOA/ROA or OSA in the last 12 months to unlock up to 15%.
Use Everglow Lending
Arrange, refinance, or formally review a loan through Everglow Lending within the last 24 months to add 5%.
Build Continuous Tenure
Every 3 continuous years as a client adds 5% — up to 15% at 9+ years. Avoid gaps longer than 12 months to protect your tenure.
Register as a Family / SME Group
Pool benefits across spouses, dependants, and related entities. The longest-tenured member sets the tenure clock for the whole Group.
Ready to Maximise Your Benefits?
Speak with your Everglow adviser at your next annual review to confirm which benefits apply to your engagements and how to unlock the full 25% discount.
25% Max Discount
The highest combined loyalty benefit available per engagement, per year.
3 Benefit Categories
Financial Planning, Lending, and Tenure — stack all three to reach the cap.
Annual Review
Benefits assessed and confirmed each 1 July with your engagement letter.
All benefits are shown as separate line items on your invoice — full transparency, every time.