Finding the 7 Best Financial Advisors Perth Has to Offer in 2024

Choosing a financial adviser in Perth is a pivotal decision that can shape your financial future. With so many options, how do you find a trusted professional who understands your unique circumstances, whether you're building wealth, protecting your family, or planning for retirement?

The right advice is the difference between simply saving money and strategically building lasting wealth. This guide simplifies your search for the best financial advisors Perth has to offer by providing a curated list of top-tier firms and essential platforms. Our goal is to give you a clear, actionable path to finding the right partner.

We focus on firms that deliver transparent, tailored advice aligned with your specific life stage. This isn't just a directory; it's a roadmap to finding the expertise you need. By understanding how to vet and select an adviser using a structured process like the one we use at Wealth Collective, you can move from uncertainty to confident action. This guide will equip you to begin that journey.

1. Wealth Collective

Wealth Collective stands out as a premier choice for those seeking the best financial advisors in Perth, combining deep local expertise with a refreshingly clear, client-focused process. With a team backed by over 50 years of combined experience, we demystify complex financial concepts and translate them into practical, actionable strategies. Our approach is meticulously organised to provide clarity and confidence at every stage of your financial journey.

What truly distinguishes Wealth Collective is our structured service model. Instead of a one-size-fits-all solution, our advice is categorised into three core pillars, allowing you to easily identify the support that aligns with your specific goals. This ensures every aspect of your financial well-being is addressed in a cohesive and integrated manner.

Key Service Pillars

Wealth Collective's services are organised into three distinct pillars, making it simple to understand the scope of our advice and how it applies to your unique situation.

• Protection Plus: This pillar focuses on your foundational security. We cover essential areas like personal insurance (life, TPD, trauma, and income protection) and superannuation optimisation to build a robust safety net that protects you and your family from unforeseen events.
• Guided Growth: Aimed at those in their wealth accumulation years, this pillar provides strategic advice on investment strategies, effective debt reduction, and building long-term wealth. It’s ideal for young professionals and families looking to make their money work smarter.
• Retirement Roadmap: For pre-retirees and those already in retirement, this service delivers a concrete plan for the future. Our advisers specialise in creating sustainable retirement income streams and managing a smooth transition from work to retirement. For more on this, explore how to effectively plan for retirement.

The Client Experience

Our process is designed to be straightforward and stress-free, starting with a complimentary 10-minute introductory call. This no-obligation chat allows you to discuss your circumstances and determine if our services are the right fit. From there, we develop a tailored plan aligned with your goals, followed by ongoing support to ensure your strategy remains on track.

This client-centric approach is reinforced by our satisfaction guarantee—a promise to deliver value. As a corporate authorised representative (AFSL 538833), we provide fully regulated advice from our local Perth and Dunsborough offices.

Ideal Client Profile

Wealth Collective is an excellent match for a diverse range of clients in Western Australia, including:

• Pre-retirees and retirees seeking a clear and secure retirement plan.
• Young professionals and families looking to accelerate wealth creation and manage debt.
• High-income earners and small business owners in need of sophisticated strategic advice.

Pros & Cons

Strengths	Considerations
Structured Service Pillars: Clear, easy-to-understand advice streams covering all major financial needs.	No Upfront Pricing: Fees are discussed during the introductory call rather than being listed online.
Experienced & Award-Recognised Team: Over 50 years of combined experience providing trusted, local advice.	WA-Focused: Primary offices in Perth and Dunsborough may be less convenient for clients outside the state.
Client-Friendly Process: A simple engagement model with a free intro call and a satisfaction guarantee.	Standard Business Hours: The firm operates on weekdays only, which may limit scheduling flexibility.
Regulated & Accountable: Operates under a clear Australian Financial Services Licence (AFSL).

Website: https://wealthcollective.co

2. FAAA – Find a Planner

The Financial Advice Association Australia’s (FAAA) “Find a Planner” directory is an exceptional starting point. As a professional association’s directory, every adviser listed adheres to the FAAA's professional codes and standards. This provides a baseline of trust, making it a reliable resource for finding the best financial advisors in Perth.

The platform was significantly upgraded in 2024, enhancing its user experience with powerful search filters and richer adviser profiles. This makes it a highly practical tool for narrowing down your options.

Why It Stands Out

What makes the FAAA directory unique is its direct link to ASIC’s Financial Advisers Register. Profile data is verified weekly, ensuring the adviser’s qualifications and licensing information are current. While it doesn't list every adviser in Perth (only FAAA members), this exclusivity acts as a valuable quality filter.

How to Use It Effectively

To get the most out of the FAAA directory, use its powerful filtering system.

• Filter by Advice Area: Are you a professional family needing help with wealth creation and debt reduction (similar to our Guided Growth service)? Or are you nearing retirement and require complex superannuation and pension advice, like that covered in our Retirement Roadmap service? Select specific advice areas like "Superannuation" or "Retirement planning" to find specialists. To understand super in more detail, you can explore the fundamentals of superannuation here.
• Location and Meeting Type: Specify "Perth, WA" and choose between "In-person" or "Virtual" meetings.
• Review Profiles Carefully: Look for advisers who clearly articulate their ideal client and the problems they solve. This helps you find a match for your personal circumstances.

Platform Snapshot: FAAA – Find a Planner

Feature	Details
Primary Use	A directory to find and verify FAAA member financial advisers in specific locations, including Perth.
Cost	Free for consumers to use.
Key Advantage	All listed advisers are members of a peak professional body and their details are cross-verified with the official ASIC register.
Potential Drawback	As a member-only directory, it does not include every licensed adviser in Perth, only those who are part of the FAAA.
Website	https://faaa.au/find-a-planner/

This directory is an excellent tool for creating a trusted shortlist of advisers. Once you have a few names, engage directly to see if their approach is the right fit for your financial journey.

3. ASIC Financial Advisers Register (via Moneysmart)

Before engaging any financial adviser, your most crucial due diligence step is to check the official ASIC Financial Advisers Register. Presented through the government’s Moneysmart website, this register is the definitive source for verifying an adviser's legal authority to provide financial advice in Australia. It’s not a discovery tool, but an essential verification platform.

Using this register is a non-negotiable step in your research. It allows you to confirm that the professional you are considering is appropriately licensed, qualified, and has no disciplinary actions recorded against them.

Why It Stands Out

The ASIC register is the single, official government record. Unlike commercial platforms, its data is legally mandated and must be kept current. This provides an unbiased, factual snapshot of an adviser's professional standing. It is the ultimate tool for consumer protection, ensuring you avoid unlicensed operators.

The register shows exactly what products an adviser can provide advice on. For instance, if you need comprehensive personal insurance as part of our Protection Plus service, you can verify that your chosen adviser is authorised to provide advice on life insurance products. This transparency is vital for making an informed decision.

How to Use It Effectively

Using the ASIC register is a straightforward verification check. Once you have a shortlist of advisers, use their name to look them up.

• Verify Licensing and Authorisation: Check that the adviser is currently authorised by an Australian Financial Services (AFS) Licensee.
• Check Qualifications and Experience: Review the adviser's listed qualifications and work history to gauge their expertise in relevant areas.
• Confirm Advice Permissions: Ensure their permissions align with your needs, whether that’s complex superannuation strategies, managed investments, or personal insurance. A family seeking long-term wealth strategies similar to our Guided Growth service would want to see authorisations for managed investments and superannuation.

Platform Snapshot: ASIC Financial Advisers Register

Feature	Details
Primary Use	To verify an adviser’s legal status, qualifications, work history, and authorisations to provide specific types of financial advice.
Cost	Free for consumers to use.
Key Advantage	The most authoritative source in Australia for compliance information, providing a direct link to an adviser’s legally registered details.
Potential Drawback	It is a verification tool, not a discovery platform. It lacks consumer reviews, fee information, or subjective details for comparing advisers.
Website	https://moneysmart.gov.au/financial-advice/financial-advisers-register

Think of the ASIC register as the final background check. After using other tools to find potential advisers, use this official government resource to confirm their credentials before you proceed.

4. Adviser Ratings – Find an Adviser

Adviser Ratings is Australia’s largest independent ratings platform for financial advisers, combining ASIC-sourced regulatory data with verified consumer reviews. This blend of professional oversight and real-world client experiences makes it an invaluable resource for anyone seeking one of the best financial advisors in Perth, as it adds a layer of social proof to the selection process.

The platform provides a comprehensive marketplace where you can browse and compare a wide range of Perth-based professionals.

Why It Stands Out

The key differentiator for Adviser Ratings is its fusion of hard data and human experience. While ASIC’s register confirms an adviser’s credentials, Adviser Ratings tells you what it was like to work with them. You can see not just their qualifications but also genuine feedback from past and current clients.

How to Use It Effectively

To leverage Adviser Ratings properly, go beyond a simple name search and use its features to build a complete picture.

• Combine Ratings and Reviews: Don't just look at the star rating. Read the written reviews to understand the context. Look for comments that align with your specific situation, such as families praising an adviser's debt reduction strategies (similar to our Guided Growth service) or retirees highlighting a smooth transition into retirement.
• Check the ASIC Data: Use the integrated ASIC information to verify an adviser's licensing, qualifications, and professional history.
• Assess their Specialities: Pay attention to how advisers describe their services. If your primary need is securing your family's future with robust insurance, look for expertise in this area. You can even learn more about the different types of life insurance to better inform your search.

Platform Snapshot: Adviser Ratings – Find an Adviser

Feature	Details
Primary Use	A public directory and ratings platform to search, compare, and review financial advisers in Perth using consumer feedback and regulatory data.
Cost	Free for consumers to browse and search.
Key Advantage	Combines official ASIC compliance data with real-world client reviews, providing a more holistic and transparent view of an adviser's reputation.
Potential Drawback	Positive reviews are not an endorsement of quality or suitability. Consumers must still conduct their own due diligence on fees, services, and fit.
Website	https://www.advisorratings.com.au/find-an-adviser/

While Adviser Ratings provides excellent social proof, the most critical step is a direct conversation to ensure an adviser truly understands your goals and is the right partner for you.

5. Canstar – Adviser Locator

For consumers familiar with comparison websites, Canstar’s Adviser Locator is a straightforward tool for finding financial advice. Known for its product ratings, Canstar extends its methodology to help you connect with licensed financial advisers based on your location and specific needs. The platform's primary function is to serve as a matching service, simplifying the initial steps of your search.

The tool provides a user-friendly interface where you can input your requirements and receive a shortlist of potential advisers.

Why It Stands Out

Canstar’s strength lies in its brand recognition and simplicity. A key feature is its transparency; Canstar clearly discloses that advisers may pay fees for increased visibility. While this means some placements might be sponsored, it provides users with the context needed to evaluate their options. Canstar also performs its own due diligence to ensure every adviser listed is licensed.

How to Use It Effectively

To maximise the value of the Canstar Adviser Locator, approach it with a clear goal.

• Be Specific with Advice Needs: The tool allows you to filter by advice categories. If your goal is to grow your wealth, similar to the objectives of our Guided Growth service, select categories like "Investment advice." For those closer to retirement needing expert guidance, as covered in our Retirement Roadmap service, be sure to select "Retirement planning."
• Compare the Shortlist: Use the side-by-side comparison feature to review adviser specialisations. Look for professionals who explicitly mention working with clients in your situation.
• Understand the Model: Keep in mind that this is an opt-in directory. Use the shortlist as a starting point for your own research. Check the adviser’s website and the ASIC Financial Advisers Register to get a complete picture.

Platform Snapshot: Canstar – Adviser Locator

Feature	Details
Primary Use	A free matching service to connect consumers with licensed financial advisers in Perth based on specific financial needs.
Cost	Free for consumers to use.
Key Advantage	Easy-to-use interface from a trusted brand that simplifies building a shortlist. Transparent disclosure about its commercial arrangements.
Potential Drawback	It's an opt-in platform, so not all top Perth advisers are listed. Some adviser listings may be influenced by paid visibility or referral fees.
Website	https://adviserlocator.canstar.com.au/

Canstar’s tool is a solid starting point that helps generate initial names, but further due diligence is recommended to ensure you find the best fit for your financial future.

6. CIFAA – Certified Independent Financial Advisers Directory

For individuals who prioritise absolute independence, the Certified Independent Financial Advisers (CIFAA) directory is an essential resource. This platform is dedicated to listing advisers who meet a stringent, legally defined standard of independence. This means they receive no commissions, have no affiliations with product manufacturers, and operate entirely on a fee-for-service basis.

This narrow focus makes the CIFAA directory a powerful tool for finding the best financial advisors in Perth if your primary concern is unbiased, product-agnostic guidance.

Why It Stands Out

What sets CIFAA apart is its uncompromising definition of "independent." While many advisers operate ethically, CIFAA provides a certified list of those who have structured their businesses to be completely free from conflicted remuneration. This is ideal for consumers who prefer transparent, fixed-fee arrangements.

The platform also serves an educational role, offering resources that explain the different models of financial advice.

How to Use It Effectively

The CIFAA directory is straightforward, but you can maximise its value by being strategic.

• Understand the Fee Model: Advisers on this directory are fee-for-service. This aligns with our own transparent approach, where services like our Guided Growth or Retirement Roadmap programs are based on a clear, agreed-upon fee. Be prepared to discuss fixed fees rather than commissions.
• Filter by Location: Use the state filter to select "Western Australia," which will provide you with a shortlist of certified independent advisers in and around Perth.
• Review Adviser Profiles: Each profile typically outlines the adviser’s fee structure and ideal client type. Look for advisers who specialise in your area of need, whether it's retirement planning, investment management, or wealth accumulation.

Platform Snapshot: CIFAA – Certified Independent Financial Advisers Directory

Feature	Details
Primary Use	A directory to find certified independent financial advisers in Australia who operate on a strict fee-for-service basis.
Cost	Free for consumers to search.
Key Advantage	Guarantees a high standard of independence, ensuring advice is free from commissions and product manufacturer affiliations.
Potential Drawback	The number of advisers listed in Perth is significantly smaller than on broader directories, limiting your choice.
Website	https://cifaa.asn.au/find-an-adviser/

This directory is an excellent choice for those who have decided that a purely independent, fee-only model is non-negotiable for their financial future.

7. Yellow Pages Australia – Financial Planning (WA)

While it might seem traditional, the Yellow Pages remains a useful resource for a broad, location-based search. Its dedicated Financial Planning section for Western Australia provides a comprehensive listing of firms, making it a solid starting point for anyone wanting to get a feel for the advisory landscape across Perth.

Unlike specialised directories, Yellow Pages provides a simple, unfiltered view of businesses operating in the area. This can be beneficial for discovering smaller or newer firms that might not be listed on professional association websites.

Why It Stands Out

Yellow Pages’ primary strength is its breadth and geographical focus. Its map view and suburb-level filtering are highly effective for finding advisers in your immediate vicinity, which is ideal if you prefer face-to-face meetings. While listings are less detailed, they almost always provide the essential information needed for the next step: a website link and a phone number.

This makes it a practical tool for initial discovery. You can quickly scan dozens of firms, click through to their websites, and see if their services align with your needs.

How to Use It Effectively

The key to using Yellow Pages is to treat it as a discovery tool, not a vetting service.

• Filter by Location: Start by searching for “Financial Planning” in your specific Perth suburb (e.g., Subiaco, Joondalup, Fremantle).
• Create a Shortlist: As you browse, open the websites of promising firms. Look for clear language about who they help. Do they specialise in wealth creation for families, similar to our Guided Growth service, or complex retirement strategies, like our Retirement Roadmap?
• Verify Credentials: If an Australian Financial Services Licence (AFSL) number is provided, use it to look up the firm on the ASIC Financial Advisers Register. This is a crucial step to confirm they are licensed.

Platform Snapshot: Yellow Pages Australia – Financial Planning (WA)

Feature	Details
Primary Use	Broad, location-based discovery of financial planning firms across Perth and regional Western Australia.
Cost	Free for consumers to use.
Key Advantage	Extensive coverage of both metro and regional WA, making it easy to find advisers in a specific suburb or town. Direct links to firm websites.
Potential Drawback	Listings often lack detailed adviser profiles, specialisations, and consumer reviews. It requires more manual research to vet the listed businesses.
Website	https://www.yellowpages.com.au/find/financial-planning/wa

Yellow Pages is a valuable first step for casting a wide net. Once you have identified a few firms, the real work of selecting the best financial advisor for your Perth-based needs begins.

Top 7 Perth Financial Advisor Sources — Comparison

Service	🔄 Implementation complexity	⚡ Resource requirements	📊 Expected outcomes	💡 Ideal use cases	⭐ Key advantages
Wealth Collective	Low — simple client journey (intro call → plan → support)	Moderate — adviser time and paid engagement (fees on enquiry)	Clear, actionable wealth, protection and retirement plans	Pre‑retirees, retirees, young professionals, high earners in WA	Local, experienced advisers; satisfaction guarantee
FAAA – Find a Planner	Low — searchable directory with filters	Low — free to use; outreach required to advisers	Quality‑screened shortlist of member advisers	Starting point to find vetted FAAA members in Perth/WA	Professional body membership; richer profiles after 2024 upgrade
ASIC Financial Advisers Register (via Moneysmart)	Low — targeted searches for verification	Very low — free government resource	Definitive licence/authorisation and product permissions	Mandatory due diligence before engaging an adviser	Most authoritative compliance source in Australia
Adviser Ratings – Find an Adviser	Low — browse profiles, reviews and ASIC data	Low — free; relies on consumer reviews	Combined regulatory context and social proof	Comparing advisers by reviews and local presence in Perth	Large user base; integrates ASIC data with reviews
Canstar – Adviser Locator	Low — match by location and advice need	Low — free; may include paid visibility	Shortlist with side‑by‑side advisor info	Quick shortlist by advice category in Perth/WA	Simple comparison flow; disclosures on listings
CIFAA – Certified Independent Financial Advisers Directory	Low — filter for independent advisers	Low — smaller pool; targeted search	Access to fee‑for‑service, conflict‑free advisers	Consumers who prioritise independence and no commissions	High‑integrity independence standard; clear fee models
Yellow Pages Australia – Financial Planning (WA)	Low — broad category and map search	Low — free; broad coverage across suburbs	Wide discovery and direct links to firm websites	Building an extensive local shortlist across WA	Extensive, local listings with contact and sometimes AFSL info

Your Next Step: From Searching for Advice to Taking Action

Navigating the landscape of financial advice in Perth can feel complex, but you now have the best resources to begin your search. We've explored powerful tools, from the official ASIC register for verifying credentials to independent platforms like Adviser Ratings that provide valuable client insights. Each directory serves a distinct purpose in your due diligence.

The journey, however, doesn’t end with a list of names. The goal isn't just to find an adviser; it's to find your adviser. The most successful financial partnerships are built on shared values, clear communication, and a strategic process that aligns with your ambitions. This is where the search for the best financial advisors Perth has to offer truly begins.

From Information to Implementation: Your Action Plan

Now that you understand the tools, the next phase involves targeted action. It’s time to transform a long list of potential advisers into a shortlist of genuine partners.

Your Practical Next Steps:

1. Define Your ‘Why’: Before making any calls, clarify what you need. Are you a young professional focused on wealth creation (Guided Growth)? A pre-retiree needing a concrete plan for the future (Retirement Roadmap)? Or a family wanting to secure your assets (Protection Plus)? Knowing your primary objective is the most important step.
2. Cross-Reference and Verify: Use the ASIC register to confirm any adviser you find on other platforms is licensed and has a clean record. This non-negotiable step protects you from unqualified operators.
3. Prepare for the Initial Conversation: The initial consultation is your opportunity to interview the adviser. Prepare questions about their process, communication style, fee structure, and experience with clients in a similar situation to yours. Ask them to explain a complex strategy in simple terms—their ability to do this is a great indicator of a client-first approach.

At Wealth Collective, we believe complexity is the enemy of action. Our entire process is designed to cut through the jargon and provide you with a clear, straightforward path forward. We don't just create financial plans; we create clarity and confidence. We translate sophisticated strategies into simple, actionable steps that are easy to understand and implement. Your financial future is too important to be complicated.

The journey towards financial security starts with a single, decisive step. You've done the research, and now it's time to take control.

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Ready to see how a clear, client-focused process can transform your financial future? As one of the dedicated teams helping clients find the best financial advisors Perth has to offer, Wealth Collective simplifies your path to success. Book a complimentary 10-minute call with our Perth-based team to discuss your goals and discover if our straightforward approach is the right fit for you.