Tailored advice
We provide advice built specifically around your needs, by understanding who you are and what you want to achieve. We are committed to putting your needs before our own.
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About DEK Advisory Group
A two person practice servicing Sydney, Melbourne and Hobart, where the person who writes your advice is the person you speak to.
Who we are
Small on purpose
DEK Advisory Group is a leading Australian financial planning practice servicing Sydney, Melbourne and Hobart, run by Dion and Erica Kratz. Dion writes the advice, Erica runs the practice, and between them they hold the whole picture of every client we look after.
That structure is a deliberate choice rather than a stage we have not grown out of. It means your circumstances do not have to be re-explained, questions get answered by the person who knows the answer, and nothing important falls between two departments.
Our primary focus has been, and always will be, our clients and what is in their best interests. Helping people define what they need and then building a strategy to achieve it is the whole proposition.
How we work
What you can hold us to
Expert advice
We have extensive experience delivering financial planning solutions, we are qualified within the industry, and we keep developing through ongoing training and education.
Accessible and proactive
We are committed to a lasting relationship with our clients, by being reachable and giving priority access to advice and information so your strategy stays relevant.
Professionalism
We conduct ourselves with dignity and integrity, and show respect and courtesy in our dealings. We act in a compliant manner and adhere to all relevant regulatory and professional requirements.
Privacy and confidentiality
When you give us important personal and financial information, it is stored securely and kept strictly confidential. It is not released to any person or organisation without your prior consent.
Clear on cost
We agree fees with you in writing before any work begins, and every cost is set out in your advice document. Our Financial Services Guide explains how we are paid.
Financial Adviser
Dion Kratz
AFP · Advanced Diploma of Financial Planning · Diploma of Financial Planning
Dion has provided personalised financial planning advice to a broad range of retail and commercial clients for 25 years. He has extensive knowledge across the key strategy areas: tax effective investments, pre and post retirement planning, self managed superannuation funds, personal insurance and risk management, and Centrelink.
Dion is an authorised representative of Betterment Financial Planning. His authorised representative number, areas of authorisation and remuneration detail are set out in the Adviser Profile that accompanies our Financial Services Guide.
Practice Manager & Director
Erica Kratz
Advanced Diploma of Financial Planning
Erica is Practice Manager and Director of DEK Advisory Group. She has 20 years of financial planning experience and has completed an Advanced Diploma of Financial Planning.
Erica's industry knowledge places her well to oversee all business matters relating to the practice, and she is usually the first person you will speak to when you get in touch.
Licensing & disclosure
Who we answer to
DEK Advisory Group Pty Ltd and Dion Kratz are authorised representatives of Betterment Financial Planning Pty Ltd, holder of Australian Financial Services Licence No. 525640. When we provide financial services to you, we do so as representatives of Betterment.
Betterment and its advisers may receive commissions associated with the issue of life insurance products. For that reason we do not represent ourselves as independent, impartial or unbiased. The two documents below set out the detail, and we recommend reading both before engaging us.
Come and have a chat
The first conversation is free and there is no obligation attached to it. If we are not the right fit, we will say so.