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- What makes a financial adviser ‘independent’?
- Sydney independent financial advisers
- Melbourne independent financial advisers
- Brisbane independent financial advisers
- Perth independent financial advisers
- Adelaide independent financial advisers
- Canberra independent financial advisers
- Hobart independent financial advisers
SuperGuide has always recognised that financial advice can add significant value to your retirement plans, so long as it’s truly independent, free from conflicts of interest and in the best interests of the clients.
The challenge is finding it. With that in mind, we’ve been tracking Australia’s independent financial advisers since 2010 and compiled a national directory to save you some of the legwork.
But before we get to the list, it needs pointing out that not just any adviser can declare they are independent. There are rigorous standards that must be complied with.
What makes a financial adviser ‘independent’?
According to ASIC, which regulates all Australian financial advisers:
Under [Section 923A of] the Corporations Act, a person who carries on a financial services business or provides a financial service is prohibited from using the terms ‘independent’, ‘impartial’ or ‘unbiased’, or any other term ‘of like import’ in relation to the business or service except where the person meets certain conditions, such as not receiving any commissions, volume-based payments or other gifts or benefits.
Most of the financial advisers listed below belong to the Profession of Independent Financial Advisers (PIFA), formerly known as the Independent Financial Advisers Association of Australia (IFAAA), which requires all members to meet the following criteria:
- No ownership links or affiliations with product manufacturers. Impartiality is impossible where an adviser has links to a product manufacturer. Ownership links create an environment where the adviser resembles, at best, a well-intentioned salesperson.
- No commissions or incentive payments from product manufacturers. Commissions are payments made by product manufacturers to their distribution network. They create a conflict of interest between advisers and their clients.
- No asset-based fees. Asset fees, although authorised by the client, are calculated on the volume of business an adviser places with a product manufacturer. (On this basis, advisers who receive a percentage fee from an administration platform or wrap can’t describe themselves as independent.) Asset fees are incentives that prevent an adviser from being impartial and therefore create a conflict of interest between adviser and client.
President of PIFA Daniel Brammall has also described how to identify an independent financial adviser in the SuperGuide article What makes a financial adviser independent?
The list below includes financial advisers who are not members of the PIFA but who have signed a declaration that they only charge fees for service, and do not receive any remuneration from:
- Commissions
- Trailing commissions
- Asset-based fees for service, including trailing income or fees based on a percentage of assets under management
- Bonuses (of whatever description)
- Conflicted remuneration as defined in the Corporations Act 2001 (Cth) pt 7.7A div 4
- Any other form of monetary or non-monetary remuneration that could reasonably give rise to a conflict between my interests and the interests of my clients.
The financial advisers listed below that are not members of the PIFA have signed a similar declaration, which you can see here.
Sydney independent financial advisers
There are 24 independent financial advisers listed across Sydney, including 12 that are members of the Profession of Independent Financial Advisers (PIFA). Below this list you can also find six independent financial advisers that service regional NSW.
Suburb
Adviser
Company
PIFA member?
Chatswood
Adviser: Christine Fenech
Company: Quantum Financial
PIFA member?:
Level 3
9 Help St
Chatswood
NSW 2067
AFSL: 239200
Chatswood
Adviser: Claire Mackay
Company: Quantum Financial
PIFA member?:
Level 3
9 Help St
Chatswood
NSW 2067
AFSL: 239200
Website: www.quantumfinancial.com.au
Phone: (02) 80840453
Chatswood
Adviser: Tim Mackay
Company: Quantum Financial
PIFA member?:
Level 3
9 Help St
Chatswood
NSW 2067
AFSL: 239200
Website: www.quantumfinancial.com.au
Phone: (02) 80840453
Chatswood
Adviser: Ricky Truong
Company: Quantum Financial
PIFA member?:
Level 3
9 Help St
Chatswood
NSW 2067
AFSL: 239200
Website: www.quantumfinancial.com.au
Phone: (02) 80840453
Narrabeen
Adviser: David Harper
Company: Naked Wealth
PIFA member?:
PO Box 129
Narrabeen
NSW 2101
AFSL: 520963
Neutral Bay
Adviser: Jo-Anne Nelson
Company: Arc Financial Solutions
PIFA member?:
Suite 102, Waters Road Executive Suites
12 Waters Road
Neutral Bay
NSW 2089
AFSL: 319288
Neutral Bay
Adviser: Howard Pitts
Company: Arc Financial Solutions
PIFA member?:
Suite 102, Waters Road Executive Suites
12 Waters Road
Neutral Bay
NSW 2089
AFSL: 319288
Newtown
Adviser: Ben Liddicoat
Company: BBK Financial Planning
PIFA member?:
Suite 204
1 Erskineville Road
Newtown
NSW 2042
AFSL: 511786
North Sydney
Adviser: Kevin Smith
Company: The Professional Super Advisers
PIFA member?:
Suite 904
83 Mount Street
North Sydney
NSW 2060
AFSL: 321895
Oatley
Adviser: Deborah Lin
Company: Liquidity Independent Advisers
PIFA member?:
Suite 4
89 Mulga Rd
Oatley
NSW 2223
AFSL: 293538
Pyrmont
Adviser: Fergus Hardingham
Company: FM Financial Solutions
PIFA member?:
Suite 2.12
55 Miller St
Pyrmont
NSW 2009
AFSL: 327277
Website: www.fmfinancialsolutions.com.au
Phone: (02) 95187822
Sutherland
Adviser: Philip Davies
Company: Liquidity Independent Advisers
PIFA member?:
Somerset Cottage
122 Flora St
Sutherland
NSW 2232
AFSL: 293538
Sydney
Adviser: Vince Lam
Company: Plutus Financial Guidance
PIFA member?:
Australia Square
264 George St
Sydney
NSW 2000
AFSL: 517944
Website: www.plutusfinancialguidance.com.au
Phone: (02) 91888873
Sydney
Adviser: Michael Morrison
Company: M Financial Planning
PIFA member?:
8, 65 York St
Sydney
NSW 2000
AFSL: 343671
Sydney
Adviser: Michael Radalj
Company: Your Private Advisers
PIFA member?:
Level 57, MLC Centre
19-29 Martin Place
Sydney
NSW 2000
AFSL: 466050
Website: yourprivateadvisers.com.au
Phone: (02) 99224699
Sydney
Adviser: Bill Raffle
Company: Bennelong Private Wealth
PIFA member?:
Level 8
65 York St
Sydney
NSW 2000
AFSL: 296152
Website: bennelongprivatewealth.com.au
Phone: (02) 82151514
Sydney
Adviser: Peter Surtenich
Company: Suetonius Wealth Management
PIFA member?:
127 Kent Street
Sydney
NSW 2000
AFSL: 452772
Sydney
Adviser: Harry Buckeridge
Company: Providence Wealth Advisory Group
PIFA member?:
Level 9
20 Martin Place
Sydney
NSW 2000
AFSL: 245635
Sydney
Adviser: Michael Ogg
Company: Providence Wealth Advisory Group
PIFA member?:
Level 9
20 Martin Place
Sydney
NSW 2000
AFSL: 245643
Website: providencewealth.com.au
Phone: (02) 92399333
Sydney
Adviser: Carlo Queddeng
Company: Providence Wealth Advisory Group
PIFA member?:
Level 9
20 Martin Place
Sydney
NSW 2000
AFSL: 245635
Website: providencewealth.com.au
Phone: (02) 92399333
Sydney
Adviser: Grant Patterson
Company: Providence Wealth Advisory Group
PIFA member?:
Level 9
20 Martin Place
Sydney
NSW 2000
AFSL: 245635
Website: providencewealth.com.au
Phone: (02) 92399333
Sydney
Adviser: William Porter
Company: Providence Wealth Advisory Group
PIFA member?:
Level 9
20 Martin Place
Sydney
NSW 2000
AFSL: 245635
Website: providencewealth.com.au
Phone: (02) 92399333
Sydney
Adviser: James Smith
Company: Providence Wealth Advisory Group
PIFA member?:
Level 9
20 Martin Place
Sydney
NSW 2000
AFSL: 245635
Website: providencewealth.com.au
Phone: (02) 92399333
Sydney
Adviser: Christopher Rae
Company: Allied Wealth
PIFA member?:
Suite 7, Level 57
19 Martin Place
Sydney
NSW 2000
AFSL: 528160
NSW regional independent financial advisers
Suburb
Adviser
Company
PIFA member?
Ballina
Adviser: James Cruz
Company: Evolution Financial Planning
PIFA member?:
4 / 122 Tamar St
Ballina
NSW 2478
AFSL: 412063
Bungendore
Adviser: Philip Harvey
Company: Construct Wealth
PIFA member?:
85 Ellendon St
Bungendore
NSW 2621
AFSL: 464629
Newcastle
Adviser: Kyle Frost
Company: Millenial Independent Advice
PIFA member?:
481 Hunter St
Newcastle
NSW 2300
AFSL: 511786
Orange
Adviser: Daniel McGregor
Company: Wealth Train
PIFA member?:
65 Sale St
Orange
NSW 2800
AFSL: 520963
Shellharbour
Adviser: Richard Barber
Company: Liquidity Independent Advisers
PIFA member?:
Unit 2
1 Wattle Rd
Shellharbour
NSW 2529
AFSL: 293538
Sydney
Adviser: Stephanie O'Connor
Company: Custom Accounting
PIFA member?:
Level 24, Three International Towers
300 Barangaroo Ave
Sydney
NSW 2000
AFSL: 286854
Melbourne independent financial advisers
There are 22 independent financial advisers listed across Melbourne, including 15 that are members of the Profession of Independent Financial Advisers (PIFA). Below this list you can also find two independent financial adviser that service regional Victoria.
Suburb
Adviser
Company
PIFA member?
Carlton
Adviser: Kirstie Oliver
Company: Eleventen Advisory
PIFA member?:
L1, 239 Rathdowne Street
Carlton
VIC 3053
AFSL: 498952
Carlton
Adviser: Jonathon Laird
Company: Eleventen Advisory
PIFA member?:
L1, 239 Rathdowne Street
Carlton
VIC 3053
AFSL: 498952
Caulfield
Adviser: Trent Alexander
Company: Financial Planning Expert
PIFA member?:
Suite 5, 242 Hawthorn Road
Caulfield
VIC 3161
AFSL: 402042
Website: www.financialplanningexpert.com.au
Phone: (03) 59744350
Essendon North
Adviser: Rick Horvat
Company: Horvat Financial Advisors
PIFA member?:
1/94-100 Keilor Rd
Essendon North
VIC 3040
AFSL: 378107
Essendon North
Adviser: Mathew Horvat
Company: Horvat Financial Advisors
PIFA member?:
G1, 94-100 Keilor Road
Essendon North
VIC 3041
AFSL: 378107
Hawthorn
Adviser: Tom Barlow
Company: Roskow Independent Advisory
PIFA member?:
Suite 1 Level 4
858 Glenferrie Road
Hawthorn
VIC 3122
AFSL: 429377
Hawthorn
Adviser: Adriano Donato
Company: Roskow Independent Advisory
PIFA member?:
Suite 1, Level 4, 858 Glenferrie Rd
Hawthorn
VIC 3122
AFSL: 429377
Hawthorn
Adviser: Matthew Ross
Company: Roskow Independent Advisory
PIFA member?:
Suite 1, Level 4, 858 Glenferrie Rd
Hawthorn
VIC 3122
AFSL: 429377
Hawthorn East
Adviser: Stephen Farrell
Company: Guided Wealth
PIFA member?:
Suite 309, 737 Burwood Road
Hawthorn East
VIC 3123
AFSL: 427218
Kew
Adviser: Amir Salehi
Company: Planning Wealth Independent Advisory
PIFA member?:
Ground Floor, 35 Cotham Road
Kew
VIC 3101
AFSL: 464629
Kew
Adviser: James Stephan
Company: Stephan Independent Advisory
PIFA member?:
Suite 506, 1 Princess Street
Kew
VIC 3101
AFSL: 476427
Kew
Adviser: Joe Stephan
Company: Stephan Independent Advisory
PIFA member?:
Suite 506, 1 Princess Street
Kew
VIC 3101
AFSL: 476427
Malvern
Adviser: Dennis J. Maddern
Company: Maddern Financial Advisers
PIFA member?:
Suite 237, 29 Milton Parade
Malvern
VIC 3144
AFSL: 332556
Malvern East
Adviser: Jordan Vaka
Company: PlanningSolo
PIFA member?:
Level 2, 1341 Dandenong Road
Malvern East
VIC 3146
AFSL: 526143
Melbourne
Adviser: Dominic Alafaci
Company: Collins House
PIFA member?:
Level 13, 90 Collins Street
Melbourne
VIC 3000
AFSL: 449146
Melbourne
Adviser: Natasha Hall
Company: Hall Advisory
PIFA member?:
Level 7, 101 Collins Street
Melbourne
VIC 3000
AFSL: N/A
Melbourne
Adviser: Jason Smith
Company: Think Independent
PIFA member?:
Level 17, 31 Queen Street
Melbourne
VIC 3000
AFSL: 480493
Melbourne
Adviser: Sean Dwyer
Company: Curve Financial
PIFA member?:
103/1 Cochranes Road
Melbourne
VIC 3000
AFSL: N/A
Melbourne
Adviser: Berivan Dubier
Company: Curve Financial
PIFA member?:
103/1 Cochranes Road
Melbourne
VIC 3000
AFSL: N/A
Website: www.curveaccountants.com.au
Phone: (03) 95889000
Parkville
Adviser: Cameron Howlett
Company: Independent Wealth Partners
PIFA member?:
Level 4/369 Royal Parade
Parkville
VIC 3052
AFSL: 512433
Website: independentwealthpartners.com.au
Phone: (03) 83939371
Parkville
Adviser: Christopher Haggart
Company: Independent Wealth Partners
PIFA member?:
Level 4, 369 Royal Parade
Parkville
VIC 3052
AFSL: 512433
Website: independentwealthpartners.com.au
Phone: 03 83939371
Ringwood North
Adviser: Corin Jacka
Company: Priority1 Wealth Management Group
PIFA member?:
Shop 1, 204-206 Warrandyte Road
Ringwood North
VIC 3134
AFSL: 324472
VIC regional independent financial advisers
Suburb
Adviser
Company
PIFA member?
Bendigo
Adviser: Damian Liddell
Company: Contrarian Group Financial Planning
PIFA member?:
Level 2
41 Mundy Street
Bendigo
VIC 3550
AFSL: 523228
Geelong
Adviser: Chris Thoms
Company: Super Focus
PIFA member?:
Level 2
235 Ryrie Street
Geelong
VIC 3220
AFSL: 434377
Brisbane independent financial advisers
There are 20 independent financial advisers listed across Brisbane, including four that are members of the Profession of Independent Financial Advisers (PIFA). Below this list you can also find two independent financial advisers that service regional Queensland.
Suburb
Adviser
Company
PIFA member?
Brisbane
Adviser: Rebecca Scarrabelotti
Company: Tupicoffs
PIFA member?:
Level 11
410 Ann Street
Brisbane
QLD 4000
AFSL: 302670
Brisbane
Adviser: Delma Newton
Company: Tupicoffs
PIFA member?:
Level 11
410 Ann Street
Brisbane
QLD 4000
AFSL: 302670
Brisbane
Adviser: Crystal Bobir
Company: Tupicoffs
PIFA member?:
Level 11
410 Ann Street
Brisbane
QLD 4000
AFSL: 302670
Brisbane
Adviser: Neil Kendall
Company: Tupicoffs
PIFA member?:
Level 11
410 Ann Street
Brisbane
QLD 4000
AFSL: 302670
Brisbane
Adviser: Mark O'Flynn
Company: Tupicoffs
PIFA member?:
Level 11
410 Ann Street
Brisbane
QLD 4000
AFSL: 302670
Brisbane
Adviser: Simon Hepson
Company: Tupicoffs
PIFA member?:
Level 11
410 Ann Street
Brisbane
QLD 4000
AFSL: 302670
Brisbane
Adviser: Mark Milner
Company: Tupicoffs
PIFA member?:
Level 11
410 Ann Street
Brisbane
QLD 4000
AFSL: 302670
Brisbane
Adviser: Rocco Costa
Company: Tupicoffs
PIFA member?:
Level 11
410 Ann Street
Brisbane
QLD 4000
AFSL: 302670
Brisbane
Adviser: Ross McConachie
Company: Tupicoffs
PIFA member?:
Level 11
410 Ann Street
Brisbane
QLD 4000
AFSL: 302670
Brisbane
Adviser: James Kenny
Company: HSP Private Wealth
PIFA member?:
Level 9
87 Wickham Terrace
Brisbane
QLD 4000
AFSL: 516358
Brisbane
Adviser: Julian Stephenson
Company: Tupicoffs
PIFA member?:
Level 11
410 Ann Street
Brisbane
QLD 4000
AFSL: 302670
Fortitude Valley
Adviser: Aaron Crosthwaite
Company: Curve Financial QLD
PIFA member?:
Po Box 342
Fortitude Valley
QLD 4006
Website: curveaccountants.com.au
Phone: (07) 3613 9092
Greenslopes
Adviser: Neil Salkow
Company: Roskow Independent Advisory
PIFA member?:
138 Juliette Street
Greenslopes
QLD 4120
AFSL: 429377
Greenslopes
Adviser: Samuel Turrisi
Company: Roskow Independent Advisory
PIFA member?:
138 Juliette Street
Greenslopes
QLD 4120
AFSL: 429377
Greenslopes
Adviser: Jon Melloy
Company: Roskow Independent Advisory
PIFA member?:
138 Juliette Street
Greenslopes
QLD 4120
AFSL: 429377
Newstead
Adviser: Justin Brand
Company: Brand Financial
PIFA member?:
76 Skyring Tce
Newstead
QLD 4006
AFSL: 511382
Newstead
Adviser: Caleb Dozzi
Company: dozzi
PIFA member?:
Level 2, Lobby 1
76 Skyring Terrace
Newstead
QLD 4001
AFSL: 490210
Newstead
Adviser: Ellie Fordham
Company: dozzi
PIFA member?:
Level 2, Lobby 1
76 Skyring Terrace
Newstead
QLD 4006
AFSL: 490210
Spring Hill
Adviser: Mace O'Sullivan
Company: O'Sullivan Financial
PIFA member?:
Level 9/87 Wickham Terrace
Spring Hill
QLD 4000
AFSL: 516358
West End
Adviser: Guy Rasmussen
Company: Whole Wealth
PIFA member?:
11 Beesley St
West End
QLD 4101
AFSL: N/A
QLD regional independent financial advisers
Suburb
Adviser
Company
PIFA member?
Maroochydore
Adviser: Jayne Graving
Company: Arch Financial Planners
PIFA member?:
Level 2, 'Ocean Central'
2 Ocean Street
Maroochydore
QLD 4558
AFSL: 485276
Noosaville
Adviser: Keith Henderson
Company: Malibu Wealth Advisory
PIFA member?:
Noosa Boardroom, CA 6-10, 28 Eenie Creek Rd
Noosaville
QLD 4573
AFSL: 464629
Perth independent financial advisers
There are eight independent financial advisers listed across Perth, including three that are members of the Profession of Independent Financial Advisers (PIFA). Below this list you can also find two independent financial advisers that service regional WA.
Suburb
Adviser
Company
PIFA member?
East Perth
Adviser: Liz Gliddon
Company: Andep Investment Consultancy
PIFA member?:
PO Box 3584
East Perth
WA 6892
AFSL: 230176
Menora
Adviser: Cathy Rademeyer
Company: Future Wealth Planners
PIFA member?:
204 Walcott Street
Menora
WA 6050
AFSL: 340289
Mount Lawley
Adviser: Chris Cornish
Company: Cornish Wealth Management
PIFA member?:
6/39 Railway Parade
Mount Lawley
WA 6050
AFSL: 436740
Perth
Adviser: Dennis Barton
Company: Andep Investment Consultancy
PIFA member?:
Level 13, 251 Adelaide Terrace
Perth
WA 6892
AFSL: 230176
South Perth
Adviser: Christopher Young
Company: CY Financial Advice
PIFA member?:
68 South Terrace
South Perth
WA 6151
AFSL: 509648
West Leederville
Adviser: Nick Bruining
Company: Bruining Partners
PIFA member?:
Level 1, 115 Cambridge Street
West Leederville
WA 6007
AFSL: 245514
West Leederville
Adviser: David McGregor
Company: Bruining Partners
PIFA member?:
Level 1, 115 Cambridge Street
West Leederville
WA 6007
AFSL: 245514
West Perth
Adviser: David Sharpe
Company: Globe Financial Planning
PIFA member?:
Suite 2, Level 1, 682 Murray Street
West Perth
WA 6005
AFSL: 499923
WA regional independent financial advisers
Suburb
Adviser
Company
PIFA member?
Eaton
Adviser: Peter Humble
Company: Rise Wealth
PIFA member?:
Unit 4, 8 Cassowary Bend
Eaton
WA 6232
AFSL: 464629
Geraldton
Adviser: Mick Steffan
Company: Independent Advisers WA
PIFA member?:
3, 30-33 Hosken Street
Bluff Point
Geraldton
WA 6530
AFSL: 464629
Adelaide independent financial advisers
There are two independent financial advisers listed in Adelaide, both of whom are member of the Profession of Independent Financial Advisers (PIFA). Below this list you can also find one independent financial advisers that services Port Lincoln.
Suburb
Adviser
Company
PIFA member?
Eastwood
Adviser: Craig Meathrel
Company: Strategiq Wealth
PIFA member?:
Suite 12B, 198 Greenhill Road
Eastwood
SA 5063
AFSL: 464629
Kent Town
Adviser: Jacie Taylor
Company: Periapt Advisory
PIFA member?:
3/68 North Terrace
Kent Town
SA 5067
AFSL: 464629
SA regional independent financial advisers
Suburb
Adviser
Company
PIFA member?
Port Lincoln
Adviser: Cameron Foster
Company: Horizon Advisory
PIFA member?:
19 Adelaide Pl
Port Lincoln
SA 5606
AFSL: 337867
Canberra independent financial advisers
There are four independent financial advisers listed across Canberra, three of which are members of the Profession of Independent Financial Advisers (PIFA).
Suburb
Adviser
Company
PIFA member?
Dickson
Adviser: William Waller
Company: The Financial Advice Shop
PIFA member?:
5/30-36 Woolley Street
Dickson
ACT 2602
AFSL: 501742
Kingston
Adviser: Naomi Horobin
Company: Clover Financial Group
PIFA member?:
PO Box 4122
Kingston
ACT 2604
AFSL: 464629
Monash
Adviser: Phil Thompson
Company: Rise Financial
PIFA member?:
25 Michell Street
Monash
ACT 2904
AFSL: 311718
Woden
Adviser: Susannah Kulincevic
Company: Brocktons Independent Advisory
PIFA member?:
PO Box 2088
Woden
ACT 2606
AFSL: 464629
Hobart independent financial advisers
There are four independent financial advisers listed across Hobart, including one that is a member of the Profession of Independent Financial Advisers (PIFA).
Suburb
Adviser
Company
PIFA member?
Howden
Adviser: Jane Clark
Company: Jane Clark Financial Management
PIFA member?:
428a Howden Road
Howden
TAS 7054
AFSL: 513532
Website: www.janeclarkfinancialmanagement.com.au
Phone: 0419 905114
Kingston
Adviser: Simon Duigan
Company: Core Independent Financial Advice
PIFA member?:
44 Channel Hwy
Kingston
TAS 7050
AFSL: 464629
North Hobart
Adviser: Jared Schrank
Company: WellAdvised Financial Advisers
PIFA member?:
336 Elizabeth St
North Hobart
TAS 7000
AFSL: 512670
North Hobart
Adviser: Anton Diedericks
Company: WellAdvised Financial Advisers
PIFA member?:
336 Elizabeth St
North Hobart
TAS 7000
AFSL: 512670
This is a great service that SuperGuide provides.
The difficulty is that only very few advisers qualify.
I have been told that the very tight definition of ‘independent’ was engineered by the banks in order to minimise competition.
If anyone who *could* offer truly independent advice because they are not connected with a insurance or investment provider (including no in-house products) was allowed to call themselves ‘independent’, as they allow in many other countries, then the banks and AMP would have competition from more than just the few advisers on this list.
Declaration: I am a financial adviser. I accept insurance commissions and so-called asset-based fees, where my income goes up and down with the client’s investments. Otherwise I could call myself ‘independent’.