Expertise You Can Trust.
Straightforward and Ethical Advice.
After decades of helping successful professionals retire with confidence, we’ve learned that great wealth management comes down to three things: deep expertise, genuine integrity, and the ability to explain complex strategies in plain English. That’s what we deliver, every single day.
Our guiding principles
Honesty and transparency aren’t just buzzwords for us – they’re non-negotiable. Every piece of advice, every recommendation, every interaction is held to the highest ethical standard. Your trust is earned through our actions, not our promises.
We exist to serve your financial well-being. That means personalised advice built around what you want to achieve, not what’s easiest for us to deliver or most profitable for our business.
Financial markets change. Legislation evolves. Tax rules shift. We stay ahead of it all through continuous learning and innovation, ensuring you always receive strategies that reflect current best practices.
We’re in this for the long haul. The relationships we build are based on reliability, respect, and our willingness to stand behind every piece of advice we give. When we say something, we mean it.
Our Team
Experience That Counts. People Who Care.
Financial clarity isn’t just about numbers on a spreadsheet – it’s about understanding what those numbers mean for your life. Our team believes that a well-thought-out, effective financial plan is the foundation of a confident, happy retirement. We bring decades of combined experience, diverse backgrounds, and a genuine commitment to your success.
Richard Marsden
Director and Principal Adviser
With over 30 years of experience, Richard has guided clients through every market condition since 1995. His approach combines smart strategies with optimal tax structures and diversified investments aligned to personal goals. Living in New York from 2011 to 2019 gave him firsthand insight into expat tax and financial complexities, with experience that directly benefits his international clients today.
Beyond client work, Richard is passionate about financial education and regularly shares insights through articles, podcasts, and seminars. He’s served as an expert witness in financial advice proceedings and actively mentors emerging advisers. Richard enjoys spending time with his family, cycling, and reading.
Rick Garner
Director
Rick is an award-winning broker and adviser with over 20 years in the financial services space. Since 2002, he’s helped hundreds of clients navigate complex decisions across lending, wealth management, and investment strategy. His lending expertise spans residential and commercial loans, equipment finance, debtor finance, and cashflow lending, while his property experience covers feasibility analysis, financing, risk management, and project delivery.
Rick serves as a non-executive director on the board of Qantas Superannuation Limited, managing approximately $8.5 billion in assets, where he sits on the Audit and Risk Committee and Member Experience & Insurance Committee. Beyond finance, Rick is an international airline pilot flying the Airbus A330 and spent five years in the Australian Defence Force. He has three sons and enjoys sailing, rugby, and golf.
Matt Clarke
Director
Twenty years in property has taught Matt that obtaining finance is harder than it should be, especially for aviation professionals whose complex income structures confuse traditional lenders. As both a qualified mortgage broker and an airline pilot with 20+ years flying B747, B767, and A330 aircraft internationally, Matt bridges both worlds and knows how to present aviation income to lenders in ways that get approvals.
Matt is passionate about genuine client advocacy, so clients can focus on their lives. Whether navigating a purchase, refinance, or investment while juggling a flying career, Matt’s a specialist who actually gets it.
Rick Body
Provisional Financial Adviser
For 15 years, Rick led a global consulting group specialising in software solutions that help clients make well-informed retirement decisions. Recently, he transitioned into direct personal advice, channelling his expertise into one-on-one client work.
Rick is deeply committed to clarity through sophisticated financial modelling. With his strong belief in actuarial modelling and deep understanding of retirement probabilities, he delivers customised, data-driven advice that empowers clients to plan effectively for their future.
Richard Marsden
Principal Adviser
Richard Garner
Finance Specialist
Rick Body
Financial Planning Associate
Matt Clarke
Director