VBP Insights

When Salary Gaps Hurt Culture & Profit: A Real Firm’s Turnaround Story

Written by Sue Viskovic | June 3, 2025

How one firm turned a $133,800 problem into a $305,175 gain. 

Here’s a real-life (and not uncommon) story: a financial advice firm went to market to hire a new Client Services Officer (CSO). They had budgeted $70k plus super ($78,050), only to quickly learn that market rates had shifted. CSOs in their area were now commanding $80k to $85k plus super. 

They revised their offer to $85k plus super ($94,775). But that’s when the real problem became clear. The issue wasn’t just about hiring one new team member. Their entire CSO team was being paid below market rates. 

When One Hire Exposes a Larger Issue

As they looked deeper, they realised the gap between current and market pay wasn’t just a budgeting issue. It was a cultural risk. With current IR laws allowing staff to discuss compensation, they feared long-standing team members would soon discover that a new hire was earning more than them on day one. 

This firm considered themselves strong in People and Culture. They ran annual surveys, delivered CPI-based salary increases, hosted team offsites, and encouraged feedback. But they had no formal structure to explain or justify salary differences within the same job title. No role progression framework. No clarity. 

They weren’t alone. This is common across the industry. It’s normal for people with the same title to earn differently, but without a transparent system, it can look arbitrary or unfair. That’s when culture starts to crack.  

This issue had been a niggle they didn’t know how to solve for some time. The realisation that their whole team was paid under market, and their uncertainty on how to resolve it without further impacting their already-thin bottom line, was enough to motivate them to seek outside help. That’s where our VBP Consulting team came in.   

Quantifying the Problem

Here’s how the firm’s compensation compared to market benchmarks: 

  • CSOs were earning between $72k and $89k versus the new market rate of almost $95k 
  • Their paraplanners were earning roughly $83k to $97k versus the local market rate of $100k plus super (about $111.5k) 

The cost to bring everyone up to market? 

  • $133,800 to uplift existing salaries 
  • Plus $94,775 for the new CSO 
  • Total of $228,575 — nearly triple their original plan 

All this while the firm was already under pressure. Their EBIT was sitting at 28% against their target of 35%, and whilst they had no shortage of new client opportunities, their team was all under the pump and working to their full capacity. Turnaround times were blowing out, tasks were backing up, which was what prompted the decision to employ another CSO to support the workload.  

 

What would you do in this situation?

  1. Get paralysed by the quantum of the problem and do nothing, hoping that your team wouldn’t find out what you had?
  2. Stick to your guns and find a new CSO that will take $78,050 and end up putting more pressure on your existing overworked team, to train up an inexperienced CSO (and still hope your team don’t find out they’re underpaid)? 
  3. Decide to hire a Philippine-based FPA for $36k plus GST, and split the remaining $42,000 between your current staff to bring their wages closer to market? 
  4. Get some professional help to solve this problem and the greater underlying one of waning EBIT? 

We acknowledge that salary is just one part of the Employee Value Proposition. This firm has a great culture and offers benefits like free leave between Christmas and New Year, monthly lunches, free onsite parking, and flexible work-from-home options. They revisited their overall EVP to articulate it better, but ultimately, they still wanted to pay their team well compared to the market to reduce the risk of them being headhunted or feeling undervalued. 

How They Solved It:           11 Key Steps

  • Engaged VBP Consulting for a thorough business analysis and strategic guidance. 
  • Hired a new CSO with a salary of $94,775. 
  • Customised role progression worksheets with VBP to clearly define tasks and proficiency levels. 
  • Conducted staff reviews and mutually agreed on each team member’s current competency. This revealed the actual wage uplift needed was $78,050 — far less than the $133,900 initially projected. 
  • Adjusted pay for CSOs and paraplanners in the next payroll to reflect appropriate wage levels. 
  • Implemented training plans for each team member to build expert-level skills. One paraplanner’s path was adapted when they expressed interest in becoming an Associate Adviser. 
  • Established clear career pathways to show how skill development leads to advancement. Two staff opted to stay at their current level, while others embraced the opportunity to grow. 
  • Hired a Cebu-based FPA through VBP (approx. $36k + GST) to take on lower-value tasks, enabling the onshore team to focus on higher-value work. 
  • Shared the challenge with the entire team and secured buy-in from advisers and staff to reshape workflows and adjust the pricing model for sustainability. 
  • Launched a firm-wide results-based bonus system, rewarding those who contributed to the change program and went above and beyond in their roles — bringing total pay well above market averages. 
  • Redesigned and implemented the pricing model, moving some clients to transactional advice and increasing ongoing fees — some by over 40%.  
  • Updated their workflow processes, which reduced bottlenecks and boosted adviser capacity. 

The Results

 

In just one year: 

  • 50 new clients were onboarded at the right fee 
  • All existing clients moved to a fee commensurate with the value received 
  • Annual revenue increased by around $585,000, an 18 percent uplift 
  • EBIT rose from $910,000 (28 percent) to $1,215,175 (32 percent) 

In addition to their extra profit, their team are galvanised and motivated in a way they haven’t experienced before.    

The Takeaway

What started as a $133,800 cost problem turned into a $305,175 EBIT gain. More importantly, the firm laid the foundation for long-term, sustainable growth. 

The true risk wasn’t just underpaying the team. It was leaving them in the dark, relying on goodwill and culture alone. When the firm tackled pay transparency, role clarity, and pricing strategy head-on, the entire business shifted. 

As the owners put it, “working with VBP is the gift that keeps on giving.” 

If you’ve got a problem in your business that you haven’t been able to solve, reach out and chat to one of our consultants.  

Note: This story combines elements from two client case studies, with both clients consenting to share their experiences anonymously. The cost and uplift figures are averages from both firms.