Justin Barnes

22/09/2026

Should service providers charge for quotes?

I had a fascinating discussion with a local architect at a networking event in Manly recently. One of his biggest operational friction points was the sheer amount of time spent going back and forth with potential clients—scoping jobs, conducting site visits, and preparing custom quotes—often without compensation. Interestingly, a videographer I spoke with shortly after echoed the exact same frustration.

In high-touch, creative, or technical professions (like architecture, media, construction, and specialised consulting), a "quote" is rarely just a price tag. It often involves hours of unpaid strategy, site analysis, and creative problem-solving—essentially giving away expert advice upfront.

On the flip side, clients often feel hesitant to pay just to find out if a provider fits their budget or scope before a contract is signed.

I’m curious to get the community’s perspective on this:

For Service Providers: Have you moved to charging for quotes, paid discovery phases, or feasibility studies? How has it impacted your lead conversion and client quality?

For Clients/Buyers: Would paying an upfront fee for a detailed scope or diagnostic consultation put you off, or do you view it as a mark of a higher-value professional?

Where do you draw the line between a standard cost of sales and unpaid consulting?

Would love to hear how others are navigating this balance!

23/02/2026

The great capital gains tax debate began today. How will affect you and your wealth.
https://www.facebook.com/61555798806718/posts/122281853576193293/

Is your retirement plan about to be rewritten without your consent? 🔍

This Monday, the Senate begins hearings on Capital Gains Tax reform. The government's goal is to make housing more affordable — a worthy aim. But the mechanism under discussion could hit mum and dad investors the hardest: people who used property as their DIY super because the system of the 80s and 90s gave them no other choice.

We believe any reform must:
✅ Apply only to new purchases — not existing investment properties.
✅ Target large professional portfolios (over $10M), not family nest eggs.
✅ Be backed by genuine consultation with financial advisers and planners.

Don't wait for the May Budget to find out where you stand. Read our full analysis and speak to your adviser now. Full article

www.barcoconsulting.com.au/articlesandknowlegehub/the-cgt-debate-protecting-the-retirement-of-mum-and-dad-investors

26/12/2025

Hoping everyone had a great Christmas and is enjoying the holiday season. I am looking foward to helping all my existing and new clients in 2026.

08/05/2025

A Shining Star at Bill Buckle Northern Beaches Subaru - Thank You, Ruby!
I recently had the pleasure of experiencing exceptional service at Bill Buckle Northern Beaches Subaru, and it was all thanks to the incredible Ruby. We came in for a routine service and unfortunately discovered we needed new tires due to two punctures. What could have been a stressful and transactional experience was transformed into a positive one because of Ruby's outstanding dedication and genuine care.
From the moment we spoke, Ruby didn't treat us like just another appointment. She greeted us with warmth and took the time to truly understand our situation, even listening attentively to some past concerns we had experienced with Bill Buckle service. This personal touch immediately put us at ease and made us feel valued.
What truly impressed us was Ruby's proactive approach to saving us money. She provided invaluable guidance and explored various options to ensure we got the best value for our new tires. Furthermore, she took the initiative to investigate our previous complaint, demonstrating a commitment to resolving past issues and ensuring customer satisfaction.
Ruby's professionalism was impeccable. She followed up exactly when she said she would, keeping us informed throughout the entire process. This level of communication and reliability is rare and deeply appreciated.
Ruby's dedication has left a lasting and overwhelmingly positive impression. She went above and beyond to ensure our needs were met, demonstrating not just excellent service skills, but genuine care and empathy. Because of Ruby, any apprehension we had about future services at Bill Buckle has completely vanished.
Without a doubt, if I ever need anything for my Subaru in the future, Ruby will be the only person I seek out. She is a true asset to Bill Buckle Northern Beaches Subaru and sets a new standard for customer service. Thank you, Ruby, for your outstanding support and for making us feel like valued friends, not just clients.

20/03/2025

So, I've been chatting with a few folks this week who are thinking about taking the leap into entrepreneurship. One question keeps popping up: 'But what about the money?' And honestly, I get it. We all need to pay the bills. But here's the thing: building a business is like planting a tree. You don't expect fruit the next day! You nurture it, you invest in it, and you trust that one day, it will yield a bountiful harvest. That's what a real business is – an asset you're building for the future. And trust me, navigating that journey is way easier with the right people in your corner. Don't go it alone. If you need help reach out for a chat Barco Consulting Barco Finance Mortgage Broking and Advisory

16/03/2025

Skip the "Life Coach" Gamble: Choose a Proven Professional

Feeling lost, stuck, or needing a push? It's tempting to turn to a "life coach," but the unregulated nature of this field can leave you vulnerable. Before investing your time and money, consider this: real, measurable progress often comes from working with qualified professionals.

Why choose a professional over a life coach?

* Expertise and Accountability: Licensed professionals like therapists, financial advisors, career counselors, certified trainers, and mortgage brokers have undergone rigorous training and are held accountable to ethical and professional standards.
* Targeted Solutions: Instead of broad, often vague advice, professionals offer specialized knowledge and tools tailored to your specific needs.
* Evidence-Based Approaches: Professionals rely on proven methodologies and scientific research, ensuring you receive effective and reliable guidance.
* Clear Qualifications: You can verify their credentials, licensing, and experience, giving you peace of mind.
* Protected Information: Professionals are bound by confidentiality agreements and ethical codes, safeguarding your privacy.
Instead of a life coach, consider:
* Mental Health: A licensed therapist or psychologist.
* Financial Planning: A certified financial advisor.
* Career Development: A career counselor or executive coach with relevant industry experience.
* Physical Fitness: A certified personal trainer.
* Business Advice: A business consultant with a proven track record.
* Property Purchase: A qualified mortgage broker.
Why a Mortgage Broker?
* Mortgage brokers have expert knowledge of the loan market, can provide access to a wide range of lenders, and help you secure the best possible loan terms for your property purchase.
* They provide expertise that helps you navigate the complex world of property finance.

Ask these critical questions:
* Are you licensed or certified?
* What are your formal qualifications?
* What is your area of expertise?
* What experience do you have with clients like me?
* What methods do you use?
Don't settle for vague promises. Invest in yourself by choosing a professional with the expertise and qualifications to help you achieve your goals. Your well-being deserves nothing less.
Look beyond the horizon and take charge

Need help navigating this? DM me to learn how I can help.

13/03/2025

Attended a business and tax conference in Sydney today, and a key takeaway resonated with me: 'If your business's survival is entirely dependent on you, it lacks true value.' This serves as a reminder to focus on building a sustainable business that can thrive beyond individual effort. It's time to adopt a strategic mindset and plan for the future. If you're looking to establish or expand your business, or require financing for a purchase, I encourage you to consult with our team at Barco Consulting / Barco Finance Mortgage Broking and Advisory. Barnes

09/12/2024

"Those who call you a failure are often the ones who will never succeed, driven by jealousy and lacking the traits needed for true success. Remember, failure is not an end, but a test—a trial to prove your worth and rise above those who belittle you. Let go of negativity, forgive those who hold you back, and move on. True greatness is earned through perseverance and resilience." Justin Barnes Business & Finance Life Coach

20/05/2024

Hey everyone,

I know these are tough financial times for many of us, and it’s even more frustrating when the banks aren’t stepping up to support us, especially when we need relief on home loans.

I Talk here about ways to navigate this by speaking with a mortgage broker here

https://www.facebook.com/share/p/Rb8aFe7ryoYoaL4H/?mibextid=oFDknk

They can open up more options for you, offering access to a range of loan products and lenders you might not find on your own. Mortgage brokers negotiate on your behalf and can find solutions that fit your unique financial situation.

As we near the end of the financial year, it’s a perfect time to review your finances. This review can help you spot potential savings and improve your overall financial health. A mortgage broker can assist by evaluating your current home loan and advising if there are better options that could lower your repayments or offer more flexibility.

Take the step to explore your options and see how a mortgage broker can help. Your financial well-being is important, and getting the right advice and support can make a world of difference.

I share more insights like this regularly, so make sure to follow along!

Stay strong and take care!

]

21/04/2024

Make a wish for a better life and let turn it into reality! ✨ Reach out today and start manifesting your dreams into existence. 💫