Financial Planner Profile

Name: Phillip Richards

Qualifications: Bachelor of Commerce (Accounting and Financial Planning) (2009), Financial Planning Association (FPA)

Phone: 1300 181 299

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Ever since I started working in the world of financial planning, I have gained enormous satisfaction out of helping my clients to achieve their life goals. So many people reach their mid to late career having done very little financial planning, often having avoided doing so simply because they find the process too daunting. When I’m able to help lift the veil and provide professionals and soon-to-be retirees with financial clarity, their sense of direction (and often relief) is hugely rewarding.

I grew up a country boy and made my first personal investment at the age of 18. I continued to grow my portfolio and purchased my first property when I was 21. It was around that time that I moved to Perth to study a Bachelor of Commerce with majors in financial planning and accounting. I subsequently completed a Diploma of Financial Services and joined one of Australia’s major banks, working my way up to a position as a senior financial planner.

My seven years with the bank gave me invaluable experience across a wide range of areas including tax-effective investment and retirement planning strategies. However, while I learnt a lot about effective financial planning, I also became much clearer about how I thought planning should be done. I always felt that planning could be performed in a way that was more transparent and fairer to clients, particularly when it came to service and fees.

When I eventually decided to go out on my own  I was determined that I would provide financial advice in the way I thought it should be done. Importantly, we operate under a non-institutionally owned license, which allows us to provide non-aligned, unbiased advice driven purely and simply by what’s best for our clients.

These days, my personal portfolio comprises Australian and international shares as well as multiple properties in Melbourne and Perth. As I near completion of a Masters of Business Administration (MBA).

Documents:

  • Financial Services Guide

Financial Planning Services:

Products offered: