5 Best Financial Advisors in Australia to Make Your Money Earn Its Keep
For the longest time, I thought investing was something only suited blokes on Collins St. had to worry about. I was earning good money, paying my bills, and chucking a good bit of my salary into savings on the regular. Just saving seemed fine.
Then one day, I was standing at Woolworths checkout. Just looking at the rates price increases made me realise that it might be time to ensure my savings actually do something. I wanted them to work, not just sit pretty in the bank!
That moment pushed me into finding someone who actually knows how to help with that. With inflation biting hard these days, I reckon a lot of people might be thinking the same.
So here’s a list of Australia’s best financial advisors worth knowing about. They’re the same ones I considered and found most people recommending for different needs.
How much do financial advisors charge in Australia?
Financial advisors in Australia charge depending on your needs and who you’re working with.
A one-off financial plan is at $3,500 AUD to $6,000 AUD, while ongoing advice runs around more or less $4,500 AUD per year.
Hourly rates generally fall between $275 and $550, and asset-based fees usually sit at 0.5% to 1% of what they manage for you.
1. Financial Foundations
Address: Level 4/250 Camberwell Rd, Camberwell VIC 3124
Contact details: +61397933722
Business hours:
- Monday to Friday: 8:30 AM – 5:00 PM
Financial Foundations has been helping Australians grow their wealth since before the internet existed.
Based in Camberwell, Victoria, they’ve been in the game for over 40 years. This experience allows them to think in generations, not just quarterly returns. They help you grow what you’ve got and make sure the people you love benefit from it later on.
Their services go well beyond just “investing your money.” They handle investment advice, portfolio management, asset allocation, tax planning, and personal insurance.
For those with self-managed super funds (SMSF) or thinking of setting one up, they can guide you through that, too. Business owners preparing for a sale or succession will also find them well-equipped to structure an exit that protects their wealth.
Worth noting, though, that their ideal clients are individuals and families who’ve built up meaningful wealth and want thoughtful ongoing guidance rather than basic money management.
As for their track record, it speaks for itself. Many of their clients have been with them for decades. One we spoke with had been with them for over 20 years and said the care and attention to detail hadn’t wavered once.
Their advice enabled us to live a very comfortable life as self-funded retirees
“We have used Financial Foundations now for almost 30 years. We have always found them to be very caring and understanding of our financial goals. The advice that they have provided has enabled us to live a very comfortable life as self funded retirees. We have recommended their invaluable services to many over the years.”
- John and Terry Moore, Google Review
We are still travelling, knowing our financial future is in safe hands
“We have been with Financial foundations Australia going on 14 yrs , met with Ty discuss and commence a 5 year financial plan to retire. Due to fantastic financial advice 5 years later we set off around Australia and are still travelling knowing our financial future is in safe hands highly recommend FFA. Thank you FFA”
- Peter Ryan, Google Review
2. My Wealth Solutions
Address: 1/18 Masters St, Newstead QLD 4006
Contact details: +61738524114
Business hours:
- Monday to Friday: 8:00 AM – 5:00 PM
Most assume financial advisors are only for those who already have a lot of money. My Wealth Solutions was built to challenge that idea.
Working with young professionals and tradies to business and high-net-worth investors, it is one of the country’s most versatile and awarded advisory firms.
Their services cover wealth creation, investment advice, retirement planning, tax strategies, superannuation, property investment, and insurance. They also offer mortgage broking and business advisory through their My Wealth Private arm.
They have a refreshingly transparent process that starts with a quick 15-minute call, followed by a free 90-minute discovery workshop where advisers take the time to understand your goals before building a financial roadmap.
From there, the team spends several weeks developing a peer-reviewed plan and presenting it in plain, jargon-free language, which clients especially appreciate.
A colleague of mine has worked with them for over 5 years. She mentioned they instantly got her trust when they sent her a full financial plan before payment.
The trade-off is that their approach focuses on long-term, holistic planning, so it’s not ideal for people who are only after quick one-off advice.
All of the advice and action taken has yielded great results
“We’ve been working with Josh and the My Wealth Solutions team for 3 years now. It’s given us great peace of mind to work with them on ensuring we’re well positioned to meet our financial objectives. All of the advice and action taken has yielded great results. Would recommend them happily.”
- Lara Kimberley Sittig, Google Review
He has helped my substantially in growing my wealth as well as my knowledge
“Hayden has been my financial advisor for 15 months now. He has helped my substantially in growing my wealth as well as my knowledge regarding income, tax, super and insurances. Hayden is incredibly knowledgeable and adapts easily when I have changed my goals and directions in my work and personal life.
Signing up was definitely not a regret and I have already recommended him to a few mates.”
- Darcy Darwin, Google Review
3. Better Financial Planning
Address: Building 1, Kings Row, Level 2/52 McDougall St, Milton QLD 4064
Contact details: +611300859991
Business hours:
- Monday to Friday: 9:00 AM – 5:30 PM
Next on our list is Better Financial Planning, a firm that takes a more grounded approach by looking at your whole financial life—how you earn, spend, borrow, and plan for the future.
Based in Brisbane and led by Michael Khouri, they believe that financial freedom shouldn’t depend on income, knowledge, or background. A refreshing outlook in an industry that can feel built only for people who already have everything sorted.
Consultation starts with a free introductory call, after which the team builds strategies tailored to real-life goals. They cover goal-setting, investment advice, insurance, and retirement planning.
They even offer a free Estate Planning Health Check, which we think is a helpful starting point for anyone who’s putting that task off.
Their focus leans strongly on debt alongside wealth building. They recognise that clearing the wrong type of debt is often the first step toward real financial progress, and clients like this practical approach.
One person shared that working with the team helped them finally clear $55,000 in credit card debt while also organising their super and insurance.
As a smaller practice, the experience feels more personal, but that also means limited capacity compared to larger firms.
From the very first consultation, I felt confident and supported in every decision
“Absolutely outstanding service! From the very first consultation, I felt confident and supported in every decision. The advice I received has completely transformed the way I manage my finances, setting me on the right path for the future. Not only have I saved thousands, but I’ve also seen my investments grow far more than I expected. The process was clear, professional, and tailored perfectly to my goals. I can’t recommend Michael Khouri from Better Financial Planning enough to anyone looking to secure their financial future!”
- Wade Bagley, Google Review
The session was excellent clear, practical, and incredibly helpful
“I’m a 24-year-old guy and reached out to Michael for financial advice. The session was excellent clear, practical, and incredibly helpful. Michael explained everything in a way that was easy to understand and tailored it to my situation. I highly recommend him to any young person looking to get their finances on the right track.”
Thanks Micheal 🙏
- Eily Kamel, Google Review
4. Findex
Address: Multiple Locations Across Australia
Contact details: +611300856065
Business hours:
- Not Available
Findex is one of Australasia’s largest privately owned financial advisory and accounting firms, with over 2,500 staff and more than 90 offices spread across Australia and New Zealand. Wherever you are, there’s a good chance a Findex adviser isn’t too far away.
They operate across three distinct client tiers: individuals, businesses, and large organisations alike. Individuals can access services such as wealth management, SMSF advice, insurance, lending, and general financial planning.
Meanwhile, businesses can tap into accounting, tax advisory, corporate finance, consulting, and auditing services.
With a firm of their scale, they likely have a specialist on their team for every service aspect, but that also means experience can vary depending on the specific office or adviser you work with.
Still, accessibility and service range are a big reason why clients come back, but part of it is also their strong community presence.
They run a Young Money podcast focused on financial literacy for younger Australians, and their Findex Community Fund supports charities across health, wellbeing, and education.
More recently, they secured a new investment partnership with private equity player Mercury Capital, signalling their strong desire for growth.
The staff at Findex have educated, navigated, and supported me
“Having recently started managing my own finances (relying on my ex husband for 25 years) the staff at Findex have educated, navigated and supported me through my tax returns and organised financial advice. They have been quick to respond to any questions and have all been extremely personable. I highly recommend their services.”
- Louise Dawson, Google Review
Findex’s balanced international investment strategy gave satisfactory returns
“Our Advisor Kim Nguyen, is Perth based but easily accessible and promptly responsive. She is experienced, knowledgeable, and personable. Findex’s balanced international investment strategy has given us satisfactory returns even in the current turbulent world wide investment market with their pro-active approach to international investment challenges”
- Barry Jackson, Google Review
5. The Wealth Designers
Address: Level 4/40 Kings Park Rd, West Perth WA 6005
Contact details: +611300893000
Business hours:
- Monday to Friday: 8:30 AM – 5:00 PM
Troy Macmillan started his money journey collecting bottles as a kid. He went on to build one of Australia’s most awarded financial advisory firms, which is The Wealth Designers.
Just by the name, you can tell they’re not just managing money. They’re helping clients design what their wealth will look like, and the life it’s meant to fund.
Their services are structured around different life stages. For those starting out, they help build financial foundations. If things have gotten more complex, say running a business or dealing with a windfall, they step in with more hands-on support.
For families with significant assets, they even offer a concierge-style private wealth service that works almost like a family Chief Financial Officer.
One feature we liked is their in-house investment team—analysts who track the markets and identify investment opportunities behind the scenes.
They also operate on a flat-fee model, avoiding commissions and product pushing, which one client thinks is a breath of fresh air. On top of all this, the firm runs START WELL, a financial literacy program for high school students across Australia.
They’re an outstanding firm, though it’s a shame their offices are currently limited to Perth and Sydney.
I get regular updates and now know that my finances are well looked after
“Working with Dawn and the team at TWD has been extremely pleasant. Dawn guided me through all the initial questions and set up answering all of my queries. I get regular updates and now know that my finances are well looked after. I can be as involved as I want and there is high levels of transparency so I feel reassured about the whole process. After working with them for just over 12 months now I would highly recommend Dawn and the team to anyone looking for financial advice.”
- Melissa Galea, Google Review
This company is a very good fit for us, and we highly recommend them
“Working with Cara and The Wealth Designers has given us great peace of mind. We know exactly where we are at with our finances and we now have a plan for a retirement full of the things we love to do, that we know we can afford to do. This company is a very good fit for us and we highly recommend them.”
- Julia Reid, Google Review