Superannuation & retirement
Getting your super working properly, then turning it into a reliable income when you stop working.
- Transition to retirement
- Account based pensions
- Self managed super funds
Financial advice built around the life you want.
DEK Advisory Group is a leading Australian financial planning practice servicing Sydney, Melbourne and Hobart. We advise individuals, families and retirees on superannuation, retirement, investments and personal insurance. The advice starts with your situation, never with a product.
What we do
Four areas where good advice changes the outcome
Most people come to us with one question and leave with a plan that connects all of it. Here is where we spend our time.
Wealth creation & investing
An investment approach matched to your goals, your timeframe and how much risk you actually want to take.
- Investment strategy by life stage
- Managed funds and listed securities
- Borrowing to invest
Protecting your family
Personal insurance sized to what your household would actually need, not to a number off a chart.
- Life and TPD cover
- Trauma insurance
- Income protection
Centrelink & aged care
Working out what you are entitled to, and helping with the paperwork most people find impenetrable.
- Age Pension eligibility
- Aged care decisions
- Estate planning support
Why DEK
A small practice, which is rather the point
You deal with the person who wrote your advice. Dion and Erica have run this practice together for years, and that is deliberate. It means we know your circumstances without having to look them up, and you are never handed down a queue.
Advice made for you
We start by understanding who you are and what you want to achieve. Your needs come before ours, every time.
Experience you can lean on
Deep experience across superannuation, retirement, insurance and Centrelink, kept current through ongoing training.
Reachable when it matters
Markets move and circumstances change. You get priority access to your adviser so your strategy stays relevant.
Your information stays private
Personal and financial details are stored securely and never released to anyone without your consent.
How it works
Four steps, no surprises
Every engagement follows the same path, and you know the cost before anything is prepared.
Get to know each other
A first conversation about your goals, your income, assets, debts, insurance and super. No cost, no obligation.
Agree the scope and fee
We set out what the advice will cover and what it will cost in writing, before any work begins.
Receive your written advice
Your strategy is documented in a Statement of Advice explaining the reasoning, the recommendations and every cost.
Implement and review
We handle the paperwork with the product providers, then review the plan with you as your circumstances change.
Before you engage us, please read our Financial Services Guide. It explains the advice process, how we are paid, our relationship with our licensee and how to make a complaint. Download the Financial Services Guide (PDF).
Fees
You will know what this costs before we start
Advice fees depend on how complex your situation is, and we agree the actual figure with you in writing before any work begins. The rates below are our published starting points.
We do not receive commissions on new superannuation, managed funds or retirement products. We may receive commission on life insurance policies, and where we do, the amount is disclosed to you in your advice document. Full detail is in our Financial Services Guide.
Financial Services Guide| Service | From |
|---|---|
| Research and Statement of Advice Preparation of your written advice |
$1,100 |
| Consultation Hourly rate |
$330 / hr |
| Ongoing advice service Annual review meeting, adviser access, portfolio and fund manager review |
$1,980 / yr |
All amounts include GST. Figures current as at our Financial Services Guide dated 19 May 2026 and subject to change. Your actual fee is confirmed with you in writing before we proceed.
The people
Who you will be dealing with
Dion Kratz
Financial Adviser · AFP · Adv Dip FP
Dion has advised retail and commercial clients for 25 years, across tax effective investment, pre and post retirement planning, self managed super, personal insurance and Centrelink.
Read Dion's profile
Erica Kratz
Practice Manager & Director · Adv Dip FP
Erica oversees everything that happens behind the advice. She holds an Advanced Diploma of Financial Planning and has 20 years in the industry.
Read Erica's profileLet's start with a conversation
The first discussion costs nothing and commits you to nothing. Tell us what is on your mind and we will tell you honestly whether we can help.