Using our experience to help create your future.

Gold Coast Financial Planning with Award-Winning Financial Advisers

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RFS Advice is a multi award winning Gold Coast financial planning company. Our degree qualified financial advisers will help you to improve your net asset position and ensure you’re adequately protected through great financial planning.

The RFS Advice office will be taking a short break from Wednesday 20th December 5pm, reopening Monday 8th January 2024. Please click here to view our industry contacts if required during this period.


Taking control of your financial life is extremely satisfying, improves self esteem and removes stress from relationships and families.

The earlier you learn and build these habits, the better your lifestyle will become as you watch your assets begin working for you.


Busy with work, mortgages, kids education and life? Suddenly retirement doesn’t seem far away. What does life in retirement look like? How much money will I need? How can I secure my income?

Understanding what you need to do is key to building wealth.

Making Work Optional

You have a busy life, you enjoy what you do, but you’re thinking about that next step…We don’t believe this choice should be rushed and it certainly requires some preparation. 

Planning what to do with the rest of your life should be a wonderful experience and when done properly, it will be!

Your Gold Coast Financial Advisers

“We believe that we are only successful if we are making a material difference in our clients lives through specialised financial advice.”

Working with our accountant colleagues, RFS helps our clients understand their current financial position, what they will need and how they are going to get there. All whilst protecting their families and businesses along the way.

About RFS Advice
rfs advice gold coast financial planners team

Our Financial Planning Services

Our team of Gold Coast financial advisers can help you achieve financial stability through our wide range of financial services.

Private Wealth Creation

‘Making Work Optional’ is an important goal for many of our clients. We work to accumulate your assets, build income streams and reduce your debts to allow that goal to become a reality.

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Self Managed Super Funds

SMSF’s can provide much greater flexibility in regards to investment strategies and estate planning when structured appropriately. RFS’s advisers specialise in this area, and working alongside your accountant we will work to maximise the value of your superannuation assets

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Insurance & Wealth Protection

The foundation of all financial advice should be protecting the family and/or business from the unexpected that occurs in everyone’s life at some stage.

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Direct Shares

We have several options for clients who want access to direct shares, from client directed to professionally managed share portfolio. Our portfolios are built in trading platforms that can take care of all your corporate actions and provide you with one consolidated tax report. All with online access 24/7 so you can see your portfolio when it is convenient for you.

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Finance & Lending Solutions

Through MES, a wholly owned subsidiary of RFS, we offer our clients access to the full range of finance and lending arrangements.

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Mortgage Reduction

Paying off that mortgage is arguably one of the best financial objectives you can have. A disciplined approach partnered with effectively utilising your existing cash flow can dramatically reduce the time it will take you to become ‘MORTGAGE FREE’. Talk to us about our ‘Passport to Prosperity’ program.

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Award Winning
Financial Planning

Our amazing team of Gold Coast financial advisers have consistently won prestigious financial planning industry awards for over a decade. FSPower 50 Most Influential Advisers, IFA Excellence Awards, Barron’s Top Financial Advisors, AFA Practice of the Year and the Most Trusted Adviser awards to name a few.

I feel 100% advised, guided and supported to achieve the very best outcomes towards my journey to retirement and beyond. My fabulous team of Belinda and Melissah could not have understood my desires and explained the options available more clearly. I felt totally heard and supported in a very professional yet wonderfully friendly atmosphere. I am totally confident that my team are very much advising and acting in my best interest, and with total transparency and explanation given in all decisions. I feel a sense of relief that my future is in good hands. Thank-you.

Bass, T - 2023

Niki has been excellent and along with the excellent reviews of the company, the main reason we chose RFS to invest our funds. Niki is extremely knowledgable and patient and has been very helpful regarding out NZ super funds and the process to get them across to Australia. The other adviser companies we met with prior to selecting RFS were vague on this issue and also were not as thorough as Niki regarding the entire investment process.

KERRY, R - 2022

Thank you again for all of your professional advice, thorough follow through, friendly and caring demeanour and brilliant service. We have felt this the whole way through the process from Belinda to yourself (Melissah) with reception’s friendly phone manner in the middle. What an amazing company you are. I have been spreading the word to all.

TANYA, M - 2022

After leaving a insurance prominent provider that lacked all things customer service, our expectations have been very much met. As expats, i found your firm on the net, and with that Darko and Talia. Brilliant support, advice and customer service. Very happy with our new support team.

JASON & EMMA - 2020

Thanks Troy for all the extra work you are doing to safeguard our assets and minimise the exposure to volatile funds.

DAVID & JULIE - 2020

Excellent service from the whole office, (I) can’t fault anything. Everytime (I) call I can speak to anyone and they are always very helpful. Very grateful for your service and special mention to Darko, Talia and Jenna.

JENNIE - 2020

There are many reasons this company has won so many awards and continues to rapidly grow. We find the level of intelligent highly skilled individuals, combined with transparency and honesty, the most attractive and noticeable qualities. We feel absolutely confident that no matter what comes our way in the future, good or otherwise, we can rely on RFS to guide us in the right direction. They are a complete fit.


We live overseas and it can be hard to obtain help with time differences and connectivity etc. Darko and team have been brilliant. Straight advice, great trouble shooting. All you want in a firm that helps manage your family finance and insurance needs.

JASON & EMMA - 2020

Thank you to Troy and Paul…we are well informed
because of your emails. For us at the moment, it is important to survive this
dreadful virus. We know our money is in safe hands.
Please stay well.


In all my years in the political, public and business arenas, rarely have I found a professional advice agency with such commitment to their clients; an extremely high work ethic; high professional standards; and, a noticeably high level of staff moral and comradery. I have no hesitation what-so-ever in recommending Troy Theobald and the team at RFS Advice.


Thank you for managing my investments so professionally. One of the best decisions I have made was contacting RFS Advice for financial planning advice.

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