About Financial Spectrum
No banks.
No commissions.
Just great advice.
Financial Spectrum is a privately owned, fee-for-service financial planning practice. We have no connections to banks or other financial institutions (and we never have). We’re not interested in selling financial “products”; we’re interested in putting our clients on their own path to the future they envision for themselves.
Our insights have been reported in:
Because our focus is solely on our clients, not a product catalogue, our advice ranges from shares and property to banking the most frequent-flyer miles. We’re able to advise on whatever it is — from the macro to the micro — that will get you to the future you want.
What’s different about our financial planners
You’ll find two things different about us:
- the questions we ask, and
- the energy we put into listening to your answers
Money is like food and wine. It’s not always about how much you need or how much you have: it’s about how you feel about it. We know how to uncover your relationship to money.
That’s how we can write a financial plan that you’ll do more than stick to — you’ll enjoy implementing it.
You don’t have to handle the detail
We’ll do the research to discover the best choices for you. Then we’ll guide you through the options. You’ll make the decisions but we do the work.
We’ll talk to your super fund, insurers, other advisers and to anyone necessary to make things happen. That’s what we’re here for.
We even have in-house accountants so you don’t need to go back and forth between multiple advisers.
And when it comes to keeping you on track, we can check in to hold you accountable, like a human Fitbit for your finances.
Our expertise
At Financial Spectrum we are a privately owned, fee for service financial planning and accounting practice. We work with you to develop tailored financial strategies to help you reach your goals and lifestyle aspirations. We have offices in Sydney’s CBD, Bondi and Balmain, are members of the Association of Independently Owned Financial Professionals and are Certified Financial Strategists.
Our areas of expertise
- Household budgeting
- Managing debt
- Building super
- Self-managed super funds
- Retirement planning
- Savings and investment
- Property investment
- Insurance and protection
- Estate planning
- Tax effective strategies
- Business advisory
- Accounting and compliance
- Audit and assurance
- Migrant advisory
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Members of the Association of Independently Owned Financial Professionals
Financial Spectrum is a member of the Association of Independently Owned Financial Professionals, giving you the assurance that we are free to make the best decisions for your situation without the conflicting influence of institutional ownership.
To be a member of the Association of Independently Owned Financial Professionals, financial planning practices must not have any ownership from a financial institution and operate their own Australian Financial Services License under strict regulation by the Australian Securities and Investment Commission (ASIC).
Most large financial planning firms and private banking services in Australia are fully or partially owned by banks or other financial institutions. Association of Independently Owned Financial Professionals members, like Financial Spectrum, are not affiliated with banks or other financial institutions, which means we work only for you.
What this means is that:
- Financial Spectrum is not owned or controlled by any financial institution, investment, superannuation or insurance product providers and is 100% owned by the staff and advisers.
- Our licensee, Climb Wealth, is not owned or controlled by any financial institution, investment, superannuation or insurance product providers and is 100% owned by the staff and advisers.
- Neither Financial Spectrum, or it’s licensee Climb Wealth, hold any financial interests in financial product providers.
- Your Financial Spectrum adviser, and the company, do not receive any conflicted remuneration from financial product providers.
- Financial Spectrum does not charge percentage-based fees as we believe this creates a conflict of interest.
- Financial Spectrum does not charge implementation fees as we believe this also creates a conflict of interest.
We can research, assess and present all the best options available to you and assist you in making the right decisions without the conflict of being affiliated with a financial institution. As a result, you have the comfort of knowing that your best interests are being put first.
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Certified Financial Strategists
Financial Spectrum is proud to hold Certified Financial Strategist accreditation, giving you the peace of mind that we are acting in your best interests with reliable information and advice in a cost-effective and conflict-free manner.
To receive Certified Financial Strategist accreditation, financial planning practices must not have any ownership from a financial institution and operate their own Australian Financial Services License under strict regulation by the Australian Securities and Investment Commission (ASIC).
Advisers need to charge on a fee for service basis, meaning they receive no commissions or other conflicting inducements from product manufacturers or institutions.
Advisers must also have access to filtered research facilities which is critical to the advice process as it ensures ongoing surveillance of the product and markets. They are also highly qualified, meeting strict qualification standards, as well as ASX and industry fund educated.
As a result, you can be assured that you’re getting the quality advice of the highest standard.
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Members of the Association of Financial Advisers
Financial Spectrum is a member of Australia’s leading financial advice association, the Association of Financial Advisers (AFA). It is the longest-standing association representing financial advisers and their clients in Australia.
The AFA passionately believe in the value of financial advice to transform people’s lives and operate on a shared belief in the need for quality advice for more Australians.
AFA members need to abide by a strict Code of Conduct, which is central to what it means to be a member of the AFA. Clients of AFA members can feel confident that their advisers have a operate with the highest level of professionalism in the industry.
Meet our team
Community support
Not everyone in our community has the same access to quality financial advice.
At Financial Spectrum we believe it’s important to support those who are less fortunate.
We donate money and employee time to two charities close to our hearts.
Financial Resilience Australia
Financial Resilience Australia is focused on improving the financial resilience, health and wellbeing of those who are vulnerable to financial stress.
COVID-19 has amplified complex social challenges such as the lack of financial inclusion, capability, resilience and wellbeing across the world. Financial Resilience Australia helps to improve the financial resilience of everyday Australians by building their capabilities and creating partnerships to enable business leaders, policy makers and cross-sectoral innovators to also take action within their own sphere of control.
We hope that our support and employee time helps to bring positive change in these areas. You can find out more about the work of Financial Resilience Australia and how you can support them here.
The Smith Family
The Smith Family supports disadvantaged Australian children to participate fully in their education, giving them the best chance at breaking the cycle of disadvantage.
One in six Australian children live in poverty, and need support and resources to make the most of their education. The Smith Family provides learning support and mentoring programs to help children in need to fit in at school, keep up with their peers and build aspirations.
We hope that our contribution helps these children to feel more empowered to create a better future for themselves. Find out more about the work of The Smith Family and how you can support them here.
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value
We’re so confident about creating value for you quickly, that we guarantee it with a 100% money-back guarantee.
