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Financial Planning

  • Expert financial advice you can trust. 
  • All advice partners are approved by Owen Rask.
  • We partner you with one of two businesses.
  • Coaching for singles and couples.
  • Specialist advice for retirement.
Get matched now

What does a financial planner do and how can they help me?

Thanks to recent changes in the law, the financial planning profession is now highly credentialed. To call yourself a financial planner in Australia and appear on the official MoneySmart website, you must meet very high standards of education, experience, ethics and alignment. A qualified financial adviser can offer you holistic advice, covering everything you need from cashflow to investing and aged care; or once-off “scaled” advice, covering just specific parts (e.g. retirement planning). It is vital you know who is, and who isn’t, truly qualified  to offer personalised advice before engaging with someone you think might be an expert.

You want to find a financial planner, who you can trust? Someone to help you manage your nest egg and/or help your family? Well, that’s easier said than done. 

I — Owen Rask — know how hard it can be. You think… 

‘Are they qualified to give me the advice I need?’ 

‘Are they just trying to sell me something?’

‘I heard X, Y, Z horror story on the radio…’ 

Below, I’ve tried to offer you two simple options to find a financial planner: 

  1. An automated service. We match you with one of our trusted financial advisers and allow you to book directly into their calendar.
  2. Some steps, and my checklist, to find one yourself using Moneysmart.gov.au.

Let us connect you with trusted financial advisers.

How it works

Fill out the form below.

We connect you directly with your financial planner.

Your free 15 minute call with an expert advisor is booked straight into your calendar.

Get matched now

Our financial planning partners

Our chosen accumulator financial advice partner (18 – 50) is Everest Wealth, led by Alex Luck, Scott Taylor and Daisy Magor.

Everest Wealth

✅ Originally designed for working medical professionals but has expanded quickly
✅ Affordable, expert advice for singles, couples and young families
✅ Australian owned
✅ Once-off advice
✅ Advice on budgeting and cashflow, Super, passive income, ETFs, insurance and estate planning.

Everest Wealth team

Alex Luck. Alex has been in the financial services industry for over 10 years and draws on his knowledge, education and experience in both the accounting and financial planning fields to provide advice in a clear, concise and effective manner. At the heart of Alex’s practice lies a deep commitment to his clients’ best interests. By fostering open and transparent communication, Alex builds strong relationships founded on trust and mutual respect.

Over the course of his career, Alex has had the privilege of assisting a diverse array of clients with their financial aspirations. Whether it’s crafting a robust investment portfolio, devising a comprehensive property plan, or addressing intricate financial challenges, he approaches each client’s unique situation with unwavering dedication and a commitment to delivering personalised solutions.

Scott Taylor. Scott has been in the financial services industry for over 10 years previously working with financial advisers to help them build efficient and sustainable businesses whilst educating them on new areas of advice. His passion is now helping young people starting out in their careers to get ahead and reach their goals. Scott believes that financial planning extends beyond mere numbers; it’s about understanding individuals’ unique aspirations and tailoring strategies that align with their goals.

Scott firmly believes that financial planning is a deeply personal journey. It’s about discovering your individual aspirations and tailoring a financial roadmap that speaks to your goals. Whether you’re dreaming of homeownership, starting your own business, or traveling the world, Scott is here to help you navigate the financial landscape with confidence.

Daisy Magor. Daisy has been in the financial services industry since 2015 and has experience working with a large array of clients ranging from SMSF’s to small business clients to young Australians just starting out in their financial journey. Daisy is passionate about combining a deep understanding of traditional principles with a keen awareness of emerging technologies, Daisy leverages cutting-edge tools and platforms to provide tailored solutions for our clients.

  

Our chosen pre-retiree financial planning partner (51 – 60) is Northeast Wealth, led by entrepreneurial and experienced financial adviser, James O’Reilly.

Northeast Wealth

✅ Privately owned financial advisory practice
✅ Highly personalised advice for pre-retirees, ambitious professionals and business owners
✅ Holistic service inc. investments, super, SMSF’s, retirement planning, tax minimisation, personal and business insurance, cash flow management and debt reduction
✅ Passionate about ethical investments
✅ Heavy focus on strategy, financial leadership and coaching
✅ Your initial advisor call (45 minutes) is free

Northeast Wealth Team

Mariana Subasic, Bachelor of Business, CFP. Pilates obsessed. Loyal. Long time bachata enthusiast. Plant lover. Unhealthy obsession with crime docos / thrillers. Sun chaser. Likes to make people laugh.

James O’Reilly, Master of Applied Finance (Investment management / Financial Planning). Proud father. Daily learner. Climbing cyclist. Chin Chin enthusiast. Lover of amusing animal videos. Spirited snooze alarm advocate. Pragmatic Saints supporter.

Rask Advice

✅ Expert financial planning, investment, retirement and business owner advice
✅ Specifically tailored to your goals, needs & objectives
✅ Full service financial planning, led by Australian experts
✅ Suitable for business owners & entrepreneurs
✅ Exclusive services designed for couples, families or individuals with assets $1-50+ million
✅ Trusted advice so you can do the more important stuff in life.
✅ Advice on everything from superannuation and SMSFs, passive income, ETFs, managed funds, investments, tax optimisation, early retirement and estate planning.

The Team

Rask’s team is led by Owen Rask, the Founder of Rask. The team has over 50 years of industry experience spanning investments, superannuation, tax optimisation and planning, business owners, and risk. Learn more about the Rask Advice team.

 

Life insurance, simplified.

About Skye

Life insurance isn’t always high on the to-do list. You might already be a convert, or you (or your partner) might need a nudge. Skye switches things up.

Personalised advice from qualified and experienced insurance advisers – Skye isn’t a cookie cutter comparison service.

They don’t want you to sign on the dotted line without being informed and comfortable with your decision.

Bringing the conversation to you – Say no to driving to an office for meetings and piles of paperwork, Skye will meet you online.

Upfront and transparent – They’re always straightforward and never recommend insurance you don’t need.

There’s a four-step process to getting insurance, which you can see below.

Click here to book a free call.

How to find a financial planner

You don’t have to go through us to find a good financial planner. If you choose to go it alone, here’s what we think you should look out for when choosing a financial adviser:

  1.  Check their AFSL 

    (Australian Financial Services Licence) is active in Moneysmart.gov.au and ASIC’s professional registers. NEVER trust a financial ‘professional’ with anything unless you can find them in either (or both) of these portals. Note: the Moneysmart register will only show you personalised financial advisers (AKA “financial planners”). The second link (ASIC website) also includes the AFSL holders, general financial advice businesses (like me and Rask) and other providers (like brokers, Super funds, etc.). 

  2. Read their Financial Services Guide (FSG).

    This is the official list of services the adviser could provide to you. It also includes plain English information on how they’ll be paid, what they are qualified to advise on, and how to complain about poor service. We think  an FSG should be publicly available as a page or PDF on their website. You can read Rask’s FSG by clicking here. Note: the FSG is a ‘general gist’ of how the business works. Your Statement of Advice (SoA) is the formal advice document that (legally) has to lay out every fee you’ll be paying. 

  3. What’s their speciality? 

    There are now less than 15,000 financial advisers in Australia… for 26,000,000+ Australians. That’s 1,733 people for every qualified financial adviser, if we’re being conservative! But they’re not all doing the same stuff. Many financial advisers focus only on retirement. Others on families. Some just do insurance. A lot only do investments. Visit their website, check their FSG or give them a call to see if they can help with your situation. 

  4. Take them for a test drive.

    Using our fully automated, quick and easy form, below, we’ll match you with a financial advice platform. As part of the process you can book a free 15-minute call with a financial adviser. Most good financial advisers have a free consultation, client services team leader or helpful videos on their website to explain who they are. Remember, getting financial advice can be a very intimate and intimidating experience, so go with your gut.

  5. Know the fees before you get the advice. 

    We encourage all of our trusted financial advice partners to disclose their fees to you, upfront. Even if it’s just an email with an estimate, it’s a reasonable thing to ask. Remember, fee models vary. They all have their pros and cons. Some financial advisers charge fees purely upfront, some take small commissions (e.g. on insurance), some offer once-off advice fees, others do ongoing fees as a percentage of your assets. Depending on the complexity of the advice, you can expect to pay anything from $3,000 (for younger clients, simpler needs) to $15,000+ (for retirees with bigger balances, complex needs, white glove treatment).

    Just ask. 

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5 Questions to Ask Your Financial Advisor – Part 2

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