Earning well isn’t the same as building wealth. We help you move from income to assets with a plan that compounds over time, instead of a collection of ad-hoc decisions.
The Australians who build real wealth aren’t necessarily the highest earners. They’re the ones who got the right advice, put a strategy in place, stuck to it through market cycles, and adjusted it as their life evolved.
We build personalised investment strategies that account for your income, your risk tolerance, your existing assets, and your goals.
A strategy designed for the life you’re actually living.
01
Strategy
We start with your full picture: income, goals, tax position, and what 'enough' actually looks like for you. The strategy comes from that, not a template.
02
Execute
A plan in a drawer doesn't build wealth. We help you implement across your super, investments, and structures.
03
Achieve
Wealth's more than a number. It's the freedom to retire when you want, help the people you love, and decide on your own terms. That's what every review measures against.
Sound familiar?
These are the problems we solve every day
High income but your net worth doesn't reflect it?
Invested in a few things over the years but there's no actual strategy connecting them?
Know you should be doing more with your money but keep putting it off?
Worried you're paying more tax than you need to on investment returns?
Strategy
What your wealth strategy includes
01
Personalised plan
Your investment plan starts with your goals, your risk profile, and your timeline. Not a product catalogue. Every recommendation is specific to your situation.
02
Portfolio construction
ETFs, managed funds, direct shares, and property considerations: we build the right mix across asset classes and geographies. Diversified, tax-efficient, and aligned with your objectives.
03
Tax-aware investing
Investment returns mean nothing if you’re giving half of them to the tax office. We structure your portfolio for after-tax performance, including franking credits, CGT management, and contribution strategies.
04
Reviews that keep you on track
Markets change. Your life changes. We review your strategy annually (at a minimum) and adjust when the numbers or your circumstances call for it. You’re never set and forgotten.
Testimonials
We've helped Australians create wealth since 1986
"I have been a client of Profile Financial Services for 28 years. We have found their advice sound, and tailored to our goals and needs. They have handled our financial matters with care.
Along the way, they have also offered information sessions on a variety of topics, which have increased our financial understanding, topics including investment approaches, estate planning, aged care changes and impacts and Artificial Inteligence just to name a few.
We have always found our planners approachable and professional. We have recommended them to family and friends, a number of whom became clients."
Stephen and Karen Moore
"Kurt listened to our goals then implemented risk managed strategies to help achieve our goals. Kurt proactively monitors our managed funds, is well backed up with research and experience and always takes the time to explain things clearly."
Stephen Foley
"It's a leap of faith, softened by solid references reviews and history, when you choose financial advice. Happy to say our choice in Profile has not been a disappointment. They have been the complete package."
Daryl Mitchell
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Frequently Asked Questions
Get to know more about us and how we can help you before you start a conversation.
How much do I need to accumulate to retire comfortably?
A financial adviser helps you make informed decisions about your money, including superannuation, investments, insurance, retirement planning, cash flow, tax-aware structuring, estate planning considerations and long-term wealth strategy.
In Australia, personal financial advice must be provided by an authorised adviser who is listed on the Financial Advisers Register. Advisers also need to meet conduct and disclosure obligations, including acting in the client’s best interests when providing personal advice.
When should I seek financial advice?
You should consider financial advice when your financial decisions become complex, high-value or long term. Common triggers include buying a home, starting a family, receiving an inheritance, changing jobs, receiving equity or bonuses, preparing for retirement, selling a business, managing tax, or deciding how to invest surplus income.
Good advice is not just about investments. It is about creating a clear plan, understanding trade-offs and making sure decisions across tax, super, insurance, debt and estate planning work together.
How do I choose a good financial adviser?
Look for an adviser who is properly licensed, transparent on fees, experienced with clients like you, and able to explain advice clearly. ASIC’s MoneySmart recommends checking an adviser’s qualifications, experience, fees, services and whether they have any links to product providers.
A good adviser should take time to understand your goals, explain alternatives, disclose costs and risks, and give you space to make informed decisions.
What should I expect from a financial advice process?
A strong advice process usually includes discovery, goal setting, strategy development, written recommendations, implementation and ongoing review.
For personal advice in Australia, clients may receive a Statement of Advice explaining the advice, the basis for the recommendations, relevant costs, benefits, risks and any conflicts or remuneration. ASIC guidance emphasises that advice should be clear, concise and effective.
How much does financial advice cost?
The cost depends on complexity. A simple advice engagement may be relatively contained, while comprehensive advice covering superannuation, investments, insurance, retirement modelling, tax structures and estate planning coordination may cost more.
Best practice is for fees to be clear upfront, agreed in writing and linked to the scope of advice. Clients should understand whether fees are fixed, hourly, ongoing, asset-based or a combination.
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Let’s talk about what’s possible
Book a zero-cost conversation with one of our expert advisers. No jargon and no pressure. Just clarity on your wealth, your goals, and your next step.
