Find an Australian independent financial adviser

Note: You can learn more about the importance of independent financial advice in the SuperGuide article: Independent financial advice: Why it’s important, and how to find it.

SuperGuide has been tracking Australia’s independent financial advisers since 2010. We have always recognised that financial advice can add significant value to an individual or couple’s retirement plans, so long as it is truly independent, free from conflicts of interest, and in the best interests of the clients.

Important: SuperGuide does not have a commercial arrangement with any of the advisers listed below, and advisers do not pay SuperGuide to be featured on this list.

What makes a financial adviser “independent”?

According to ASIC, who regulate 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.

The majority of the financial advisers listed below belong to the Profession of Independent Financial Advisers (PIFA), which was formerly known as the Independent Financial Advisers Association of Australia (IFAAA), which require 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 precisely the same way a commission is calculated. Asset fees are incentives that prevent an adviser from being impartial and therefore create a conflict of interest between adviser and client.

Daniel Brammall, the President of the PIFA 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 Corporations Act 2001 (Cth) pt 7.7A div 4; and
• 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.

ACT independent financial advisers

Canberra

PIFA members

Adviser name	Business name	Suburb
Naomi Horobin	Clover Financial Group	Kingston
Phil Thompson	Rise Financial	Monash
Daniel Brammall	Brocktons Independent Advisory	Phillip
Susannah Kulincevic	Brocktons Independent Advisory	Phillip

NSW independent financial advisers

Sydney

PIFA members

Adviser name	Business name	Suburb
Vince Lam	Plutus Financial Guidance	Chatswood
Ben Liddicoat	BBK Financial Planning	Dulwich Hill
Jo-Anne Nelson	Arc Financial Solutions	Neutral Bay
Howard Pitts	Arc Financial Solutions	Neutral Bay
David Harper	Naked Wealth	Newport
Katie Whiffen	The Retirement Blueprint	Northbridge
Deborah Lin	Liquidity Independent Advisers	Oatley
Fergus Hardingham	FM Financial Solutions	Pyrmont
Philip Davies	Liquidity Independent Advisers	Sutherland
Michael Morrison	M Financial Planning	Sydney
Michael Radalj	Your Private Advisers	Sydney
Bill Raffle	Bennelong Private Wealth	Sydney
Peter Surtenich	Suetonius Wealth Management	Sydney

Not PIFA members

Adviser name	Business name	Suburb
Kevin Smith	The Professional Super Advisers	North Sydney
Harry Buckeridge	Providence Wealth Advisory Group	Sydney
Michael Ogg	Providence Wealth Advisory Group	Sydney
Carlo Queddeng	Providence Wealth Advisory Group	Sydney
Grant Patterson	Providence Wealth Advisory Group	Sydney
Willian Porter	Providence Wealth Advisory Group	Sydney
James Smith	Providence Wealth Advisory Group	Sydney

NSW regional

PIFA members

Adviser name	Business name	Suburb
Philip Harvey	Construct Wealth	Bungendore
Stephanie O’Connor	Custom Accounting	Cootamundra
Kyle Frost	Millennial Independent Advice	Newcastle
Daniel McGregor	Wealth Train	Orange
Richard Barber	Liquidity Independent Advisers	Shellharbour

Not PIFA members

Adviser name	Business name	Suburb
James Cruz	Evolution Financial Planning	Ballina

QLD independent financial advisers

Brisbane

PIFA members

Adviser name	Business name	Suburb
Todd Meynink	Asset Science	Ashgrove
Aaron Crosthwaite	Curve Financial QLD	Fortitude Valley
Justin Brand	Brand Financial	Newstead
Neil Salkow	Roskow Independent Advisory	Stones Corner
Samuel Turrisi	Roskow Independent Advisory	Stones Corner
Guy Rasmussen	Whole Wealth	West End

Not PIFA members

Adviser name	Business name	Suburb
Crystal Bobir	Tupicoffs	Brisbane
Rocco Costa	Tupicoffs	Brisbane
Simon Hepson	Tupicoffs	Brisbane
Neil Kendall	Tupicoffs	Brisbane
Ross McConachie	Tupicoffs	Brisbane
Mark Milner	Tupicoffs	Brisbane
Mark O’Flynn	Tupicoffs	Brisbane
Cynthia Sercombe	Tupicoffs	Brisbane
Caleb Dozzi	Dozzi	Newstead
Ellie Fordham	Dozzi	Newstead

QLD regional

PIFA members

Adviser name	Business name	Suburb
David Harper	Naked Wealth	Noosaville
Keith Henderson	Malibu Wealth Advisory	Noosaville
Phil Layton	Independent Wealth Management	Robina
Michael McNee	Darling Downs Independent	Toowoomba

Not PIFA members

Adviser name	Business name	Suburb
Jayne Graving	Arch Financial Planners	Maroochydore

SA independent financial advisers

Adelaide

PIFA members

Adviser name	Business name	Suburb
Jacie Taylor	Periapt Advisory	Eastwood

Not PIFA members

Adviser name	Business name	Suburb
Scott Dawson	Wotherspoon Wealth	Glen Osmond
Samuel Garreffa	Wotherspoon Wealth	Glen Osmond
Samantha Harrison	Wotherspoon Wealth	Glen Osmond
John Wotherspoon	Wotherspoon Wealth	Glen Osmond
Simon Wotherspoon	Wotherspoon Wealth	Glen Osmond

SA regional

PIFA members

Adviser name	Business name	Suburb
Cameron Foster	Horizon Advisory	Port Lincoln

TAS independent financial advisers

Hobart

PIFA members

Adviser name	Business name	Suburb
Simon Duigan	Core Independent Financial Advice	Kingston

Not PIFA members

Adviser name	Business name	Suburb
Jane Clark	Jane Clark Financial Management	Howden

VIC independent financial advisers

Melbourne

PIFA members

Adviser name	Business name	Suburb
Trent Alexander	Financial Planning Expert	Caulfield North
Rick Horvat	Horvat Financial Advisors	Essendon
Mathew Horvat	Horvat Financial Advisers	Essendon North
Adriano Donato	Roskow Independent Advisory	Hawthorn
Matthew Ross	Roskow Independent Advisory	Hawthorn
Amir Salehi	Planning Wealth Independent Advisory	Kew
James Stephan	Stephan Independent Advisory	Kew
Joe Stephan	Stephan Independent Advisory	Kew
Dennis J. Maddern	Maddern Financial Advisers	Malvern
Dominic Alafaci	Collins House	Melbourne
Natasha Hall	Planning Hall	Melbourne
Brook Logan	Logan Financial Advisers	Melbourne
Jason Smith	Think Independent	Melbourne
Sean Dwyer	Curve Financial	Moorabbin
Berivan Dubier	Curve Financial	Moorabbin

Not PIFA members

Adviser name	Business name	Suburb
Tom Barlow	Roskow Independent Advisory	Hawthorn
Stephen Farrell	Guided Wealth	Hawthorn East
Cameron Howlett	Independent Wealth Partners	Parkville
Corin Jacka	Priority1 Wealth Management Group	Ringwood North

VIC regional

PIFA members

Adviser name	Business name	Suburb
Chris Thoms	Super-Focus	Geelong

WA independent financial advisers

Perth

PIFA members

Adviser name	Business name	Suburb
Christopher Young	CY Financial Advice	South Perth

Not PIFA members

Adviser name	Business name	Suburb
Dennis Barton	Andep Investment Consultancy	Perth
Elizabeth Gliddon	Andep Investment Consultancy	Perth

WA regional

PIFA members

Adviser name	Business name	Suburb
Mick Steffan	Independent Advisers WA	Bluff Point
Peter Humble	Rise Wealth	Eaton

If you’re an independent financial adviser that would like to be included on our list, please follow the instructions here.

Learn more about financial advice in the following SuperGuide articles: