Our Approach and Services
Your RFS Advice Experience
We’ve been helping south-east Queenslanders since 1996, and we’ve got our process down to a fine art.
Our process is clear, practical and focused on helping you make progress.
- Step 1
Chat with a Financial
Adviser
Answer a few quick questions, and we’ll match you with the right adviser for your situation. Then hop on a relaxed 20-minute chat to see if we’re the right match to partner together to move your financial life forward.
- Step 2
Get To Know You
No overwhelming paperwork here. Just an open conversation about where you’re at and where you want to be.
We listen more than we talk, because understanding what matters to you is what matters to us.
- Step 3
Now, Next Year, Future Years
Paint a picture of life across three timeframes – now, 3 years ahead and 10 years ahead.
Through interactive scenarios, see how different choices shape your path and how our advice can turn possibilities into reality.
- Step 4
Your Financial Plan
Your personalised financial plan transforms complex decisions into clear actions. We’ll walk you through practical steps to optimise your wealth, with strategies and structures that make sense for your situation.
- Step 5
Make It Happen
Time to put your plan into motion. We handle the heavy lifting while keeping you updated along the way.
- Step 6
Support and Progress
Markets shift and circumstances change, but that’s what life’s all about. We’re here to celebrate the wins and roll with every twist and turn. From regular check-ins to review meetings, your plan keeps evolving – just like you do.
And we’re a call or email away in between meetings too. We want you to contact our team anytime you’re facing a money decision that impacts your plan and priorities.
Our Services
Goal Setting
Turn your vision of an ideal life into actionable financial milestones across different time horizons. We balance living well today with building tomorrow's wealth, mapping out practical steps that consider your whole financial picture.
Make Your Superannuation Count
There's more to super than most people realise – with benefits you can tap into now and a bigger pool of money to enjoy later. We'll show you exactly how to use its tax advantages and contribution sweet spots so both the you of today and the you of tomorrow win.
Investing that Works For You
Your investment portfolio needs to do its job while letting you sleep at night, regardless of what's happening in markets. We'll look at your whole financial picture to build a properly diversified mix across different investments – considering your time frames, what you need (growth vs income) and how much risk feels right for you.
Protect Your World
Nobody likes thinking about what could go wrong, but having the right insurance lets you get on with life. We'll help you choose the protection that makes sense – for your income, health and family – so you're covered for what really matters.
Protect Your Business
Your business depends on key people – often that's you. Make sure it can keep running (and your family is looked after) if something unexpected happens to them. We'll help you put the right protection in place so your business can handle bumps in the road.
Get Ready For Retirement
Retirement is a big change – you want to know your money's ready when you are. We'll help you make strategic moves in the years leading up to retirement, from boosting your super, investing where it makes sense and making sure you'll have enough money coming in to maintain (or even boost) your lifestyle when you step away or slow down from work.
Make Your Money Last In Retirement
Your retirement should be about enjoying life, not worrying about money. We'll help you structure your super, investments and age pension (if eligible) to create reliable income that lets you live well while keeping your nest egg healthy.
Get Retirement Community Living Right
Considering a retirement community brings up lots of questions about costs, assets and lifestyle. We'll help you understand exactly what you're getting into – from entry fees to asset protection – so you can make a confident choice about your next chapter.
Moving a Loved One Into Aged Care
When it's time to move someone you love into aged care, you want to get the financial decisions right. We'll help you understand exactly what you're dealing with – from accommodation costs to asset protection – so you can find good care while safeguarding your family's financial future.
Get Inheritance Right
Inheritance involves head and heart – whether you're receiving or giving. We'll help you handle it thoughtfully and tax-efficiently, so the money creates positive change rather than being a burden.
Honour Your Legacy
Get peace of mind knowing your assets will go where you want them to, when the time comes. We'll work alongside your estate planning lawyer to make sure everything's structured properly – from asset ownership to tax implications – so your wishes are followed and your legacy is protected.
SMSF Investment Guidance
Having choice over your investments is great, but you want to know your SMSF money is in the right places. We'll help trustees choose a mix of investments that matches your fund's goals while keeping risk at a level everyone's comfortable with.
Financial planning is a VERB that is constantly moving, shifting and adapting with your life.
Frequently asked questions
RFS Advice stands out as one of the best financial adviser firms on the Gold Coast due to our client-first approach, extensive experience and award-winning service. We provide tailored financial planning solutions, helping our clients achieve their financial goals. Our financial advisers stay up to date with industry trends and regulations, offering comprehensive support in wealth management, tax strategies and investment planning.
A private financial adviser offers highly personalised, one-on-one financial services, typically catering to high-net-worth individuals. In contrast, a general financial planner provides broader financial advice to a diverse range of clients. Our Gold Coast financial advisers offer both options, tailoring solutions to suit each client’s unique financial needs and goals.
At RFS Advice, we take a customised approach to financial planning by assessing each client’s financial goals, risk tolerance and current financial situation. Our financial planners on the Gold Coast develop bespoke strategies covering investment planning, retirement strategies, tax optimisation and wealth management, with the aim of helping our clients achieve long-term financial success.
Our financial advisers offer comprehensive services, including retirement planning, investment strategies, wealth management, estate planning, aged care financial advice and tax strategies.
We operate on a transparent fee-based financial planning model. We charge for all our wealth, superannuation and investment recommendations (and receive insurance commissions). Costs vary based on the complexity of your financial situation and the level of service required from our Gold Coast financial advisers.
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