First Financial delivers personalised financial advice tailored to each client’s unique goals, circumstances and ambitions.
5 February, 2026
Your financial journey begins with us
First Financial Team
Financial decisions shape personal freedom and long-term success. Young high achievers increasingly seek more than generic guidance; they want a trusted partner who understands their ambitions, adapts as their life unfolds, and builds strategies that grow with them. At First Financial, we do just that by delivering tailored, comprehensive financial advice and services that evolve with every stage of our clients’ lives.
We know that no two financial journeys are the same. Your income, aspirations, family situation, risk tolerance, and personal goals are uniquely yours.
Rather than offering off-the-shelf solutions, First Financial advisors take time to understand where you are now, what you want to achieve, and plan the most suitable and effective financial roadmap for your individual requirements.
“Your financial journey deserves more than generic advice — it deserves a strategy that evolves with your life.”
A suite of financial services that work in harmony
First Financial offers a full suite of services designed to work together, not in isolation. This integrated approach ensures that every aspect of your financial life supports your broader goals, whether that’s buying your first home, building wealth through investment, growing your superannuation, or planning for retirement.
Strategic financial planning:
Every purposeful financial journey begins with clarity. We start by crafting a financial roadmap that reflects your current reality and future aspirations. This roadmap provides structure and discipline around budgeting, saving, investing, and prioritising long-term objectives, helping you make decisions with purpose.
Instead of one-off recommendations, this planning is ongoing. Life changes, like career progression, relationship milestones, or unexpected events, are built into your financial strategy, with regular reviews and refinements ensuring the plan stays aligned with your evolving goals.
Superannuation & SMSF guidance:
Superannuation is one of the most powerful wealth-building tools available to Australians, yet navigating its rules and maximising its potential can be complex. The First Financial Advisors provides expert advice on superannuation strategy, contribution optimisation, and SMSF administration, ensuring your retirement savings are structured effectively and tax-efficiently.
For younger professionals just starting their careers, this can mean establishing solid early habits and investment choices that leverage compounding over the long term.
Investment and wealth management:
Investing with intention demands a sure strategy tailored to your risk profile and long-term objectives. Our team build personalised investment plans that balance growth and protection, helping you accumulate wealth while managing volatility and risk.
Whether you’re building your first diversified portfolio or expanding into more sophisticated opportunities, this personalised investment guidance keeps your long-term priorities front of mind.
Insurance and protection planning:
We ensure your strategy includes thoughtful personal insurance solutions that protect you and your loved ones without unnecessary complexity or cost. This means having a safety net that lets you pursue opportunities with confidence, knowing you’re protected against unforeseen setbacks.
Tax-effective strategies:
Tax planning is not just about compliance. It’s about efficiency. First Financial helps clients structure their finances to make the most of available tax-effective opportunities. From super contributions to investment structuring, proactive tax strategies improve overall outcomes and create breathing room for growth.
Retirement planning:
Planning early can make all the difference. First Financial helps you define what retirement means to you, then sets realistic milestones and strategies to get you there.
We are not a transactional financial services company. From the first conversation to strategy implementation and ongoing reviews, the advisers work with clients as their lives and goals develop. They see themselves not just as planners, but as lifelong mentors and collaborators, providing clarity in complexity and confidence in decision-making.
Our approach combines technical expertise with an experienced understanding of human goals. At every life stage, we ensure your financial strategy reflects who you are, where you’re headed, and what matters to you.
“We’re not just planners, we’re long-term partners helping you make confident financial decisions at every stage.”
The team at First Financial comprises financial experts who help hundreds of Australians retire well and make informed, intelligent financial decisions. We cover everything from retirement and financial advice, investment and wealth management, superannuation and SMSF, insurance, tax, aged care, legal and lending services.
Contact us for holistic, well-rounded financial management strategies.
Key Takeaways
All financial services are integrated to work together, creating a clear and cohesive strategy rather than isolated solutions.
Ongoing advice and regular reviews ensure financial plans stay aligned as life, careers and priorities change.
The focus is on long-term relationships, combining technical expertise with a genuine understanding of what matters most to clients.
YOUR FINANCIAL JOURNEY
Building your financial future
Every client journey begins with a conversation. We look closely at where you are now, what matters to you, and what’s possible. Then we structure our advice to match.
Financial
Roadmap
A clear, personalised path to your financial goals.
Tax
Efficiency
Proactive strategies to maximise your tax savings.
Personalised
Investing
Tailored plans aligned with your goals and risk profile.
Ongoing
Support
Regular guidance to keep your plan on track.
CLIENT STORY
John
Life Stage:
Retired business owner
Background:
After decades of running a successful pharmacy, John sought financial guidance to simplify decision-making and support long-term planning.
- Navigated the sale of a long-held business
- Wanted simple, honest advice after burnout
- Needed a hands-on adviser he could talk to
- Desired financial guidance aligned with lifestyle goals
- Crafted a strategy that supports relaxed, post-work life
- Offered approachable, plain-English advice
- Maintained an ongoing, trustworthy relationship
- Provided flexibility with investments and cash flow
“I feel genuinely supported by First Financial. I can ask anything, and there’s no pressure, just clear advice and real care. The money’s growing, I’m not stressed about it, and I feel completely at ease for the first time. I don’t miss work, but I’d miss the support I get from First Financial.”
CLIENT STORY
Jan
Life Stage:
Retired
Background:
Jan's husband managed the finances until entering aged care. Jan gradually stepped into the financial picture with First Financial’s support.
- Needed financial guidance after business sale
- Lacked experience managing complex finances
- Sought consistent income and long-term structure
- Wanted a familiar, reliable relationship
- Provided long-term support through several transitions
- Helped structure income reliably for retirement
- Empowered Jan through education and reassurance
- Delivered calm advice through both grief and growth
“The money just comes in. I don’t have to think about it. And I know they’re always there. They’ve always been there in the background, just quietly making things work.”
CLIENT STORY
Tim and Adam
Life Stage:
Early retirement and working professional
Background:
When Tim received an overseas medical settlement, he and Adam had just 14 days left in a 90-day window. They needed clear guidance, fast. A referral led them to First Financial.
- Only two weeks left to meet urgent legal and financial deadlines
- Wanted to preserve capital while setting up income for the future
- Needed a plan that supported both retirement and ongoing work
- Hoped to find advice that felt personal, not transactional
- Managed every moving piece, from legal documents to super rollovers
- Designed a strategy that supported both Tim’s retirement and Adam’s career
- Offered clear guidance with steady follow-through, with no stress or pressure
- Built in ethical investing and flexibility, without sacrificing performance
“We’re in totally different life stages, but First Financial built a strategy that supports us both. From urgent legal steps to ethical investing, they handled every detail with calm, care, and real expertise. It’s financial freedom without compromise, and we couldn’t have done it without them.”
CLIENT STORY
Larry and Virginia
Life Stage:
Newly retired
Background:
As retirement neared, Larry and Virginia were ready to enjoy travel, family, and freedom, without uncertainty. A friend recommended First Financial, and from the first meeting, they had a clear plan, a safety net, and people they trusted.
- Wanted to travel and enjoy retirement without second-guessing finances
- Needed a structured income plan with buffers for the unexpected
- Valued guidance that felt honest and human, not overcomplicated
- Needed people they could call and count on
- Created a reliable income stream with a set-aside safety net for the unexpected
- Gave them the freedom to travel and spend meaningfully with family
- Kept advice simple, thoughtful, and tailored to what mattered to them
- Built a lasting partnership based on trust
“We’ve travelled the world, Europe, Sri Lanka, Vietnam, without once stressing about the money. They made everything feel simple and gave us the confidence to live well. We feel secure because we know exactly where we stand, and that peace of mind means everything.”
CLIENT STORY
Graeme and Craig
Life Stage:
Retired and semi-retired
Background:
Referred by friends who were helped through aged care, Craig sought secure financial guidance after inheriting funds.
- Invest inheritance securely without high risk
- Maintain a modest lifestyle with confidence
- Building trust for someone new to advice
- Accessible, personalised advice
- Provided a low-risk strategy with regular income
- Reassured with steady, market-aware updates
- Established trust through responsiveness and warmth
- Delivered calm, expert support through all transitions
“We feel very secure with First Financial, the income just comes in, and we know everything is being looked after. It’s not just safe, it’s smart. We’ve recommended them to others because we genuinely believe in the team.”
CLIENT STORY
Lyn
Life Stage:
Retired widow
Background:
Lyn stepped into financial management for the first time after her husband's passing. With patience and care, First Financial supported her through grief, learning, and empowerment.
- Had never managed finances before
- Was overwhelmed after her husband’s passing
- Needed plain-English explanations and patience
- Sought emotional support and practical clarity
- Offered caring, respectful advice at her pace
- Rebuilt confidence with diagrams, stories, and reassurance
- Supported gradual decision-making around retirement
- Remained a trusted constant through major transitions
“After my husband passed, I was completely unsure where to start. First Financial gave me the space to learn, to ask questions, to grow confident. They drew a diagram that I still have. And now, I sleep well at night knowing I’ve got someone in my corner.”
Meet our advisers
FAQs
What makes First Financial different from other financial advisers?
First Financial provides tailored advice that evolves with you, rather than one-size-fits-all solutions. We take the time to understand your goals, circumstances and ambitions. Our role is to be a long-term partner, not a transactional service.
Who is First Financial best suited for?
We work closely with people at all life stages. Our clients value personalised advice that grows alongside their careers, families and lifestyles. Whether you’re starting out or building momentum, our approach adapts to you.
What services does First Financial offer?
We offer a full suite of integrated financial services, including financial planning, investment management, superannuation and SMSFs, insurance, tax strategies and retirement planning. Each service works together to support your broader financial goals. This holistic approach ensures nothing is considered in isolation.
How does the financial planning process work?
We begin by creating a clear financial roadmap based on your current position and future aspirations. This plan provides structure around saving, investing and long-term decision-making. It’s reviewed regularly to stay aligned as your life changes.
Can First Financial help with superannuation and SMSFs?
Yes, superannuation is a core part of our expertise. We help optimise contributions, structure investments effectively and provide guidance on SMSF administration. Our focus is on building retirement savings in a tax-efficient and sustainable way.
How does First Financial approach investing?
Our investment strategies are personalised to your risk tolerance, goals and time horizon. We focus on balancing growth and protection while managing risk and volatility. This ensures your investments remain aligned with your long-term priorities.
Do you offer insurance and protection advice?
Yes, we provide tailored personal insurance solutions to protect you and your loved ones. The goal is to give you confidence and security without unnecessary complexity or cost. Protection planning is a key part of a resilient financial strategy.
Is First Financial focused on long-term relationships?
Absolutely. We see ourselves as lifelong mentors and collaborators, supporting you through every stage of life. Our advice evolves as your goals and circumstances change, ensuring your financial strategy always reflects what matters most to you.