What does a financial adviser do?

A financial adviser helps you build and implement a strategy for your money, covering investments, superannuation, tax planning, insurance, and estate planning. We go beyond point-in-time recommendations. We coordinate your financial life on an ongoing basis, working alongside your accountant and solicitor as part of an integrated team around you.

How much do financial advisers charge in Perth?

Financial adviser fees in Perth vary significantly depending on the scope of advice and the fee model. Advisers who charge a percentage of assets under management typically charge 0.5 to 1.5 per cent annually, a structure that can cost high-net-worth clients tens of thousands of dollars each year regardless of the work done. We charge a fixed fee for our advice, scoped to your situation. You pay for advice, not for the value of your portfolio.

What is the difference between a financial adviser and a financial planner in Australia?

In Australia, both titles describe AFSL-licensed professionals providing financial advice. The terms are often used interchangeably. The practical difference is in the model: financial planning typically centres on a formal advice document, while wealth management involves ongoing, coordinated stewardship of your financial position. At Capital Partners, we operate as wealth advisers. Our relationship with clients is continuous, not transactional.

How do I find the best financial adviser in Perth?

Look for three things: independence (no commercial ties to product manufacturers or platforms), transparency (all fees disclosed upfront with no commissions received), and credentials (AFSL authorisation and, where possible, independent accreditation). CEFEX certification, held by Capital Partners, is an internationally recognised standard for fiduciary practice that few Australian firms have earned.

What is CEFEX accreditation?

CEFEX (Centre for Fiduciary Excellence) is an independent body that assesses financial advisory firms against the Global Fiduciary Standard. Certification requires an independent audit of the firm’s processes, structure, and governance, not a self-declaration. Firms that hold CEFEX certification have been externally verified as operating in the best interests of their clients. We are, to our knowledge, the only CEFEX-accredited firm in Western Australia.

How much do I need to invest to work with Capital Partners?

Our advisory model is best suited to individuals and families with $1.5 million or more in investable assets. At that level, the coordination required across investments, superannuation, tax structure, and estate planning is where the depth of our approach delivers its full value. If you are unsure where to start, our Risk Assessment Quiz can help you assess your current position and identify your priorities.

Financial & Fiduciary Advisers Perth

A financial adviser helps you build, coordinate, and protect your wealth across investments, superannuation, tax planning, and estate planning. We are independent financial advisers in Perth, providing fee-for-service, fiduciary advice to individuals and families with $1.5 million or more in investable assets. We do not receive commissions. We are Perth’s only CEFEX-accredited firm.

Perth has no shortage of people who call themselves financial advisers. What it has very few of are independent advisers who are legally, structurally, and verifiably obligated to act in your interests, not theirs.

If you are looking for a long-term advisory relationship with financial advisers in Perth who take genuine accountability for your outcomes, this is where that conversation starts.

Take our Risk Assessment Quiz

Schedule a Meeting

Independent Financial Advisers in Perth: How We Work

Our advisory process is built around one principle: your financial strategy should serve your life, not the other way around.

Discovery: We begin with an in-depth consultation to understand your financial position, goals, life stage, and what you want wealth to actually deliver. This is the foundation of everything we recommend.
Strategy: We build a personalised wealth management plan that integrates investments, superannuation, tax structure, and estate planning into a single, coordinated strategy. Every recommendation is evidenced and explained.
Implementation: We execute the plan and coordinate with your accountant, solicitor, and any other professionals involved in your financial life. You have one point of accountability: us.
Ongoing Governance: We hold regular review meetings to assess your plan against your evolving circumstances, market conditions, and legislative changes. Wealth management is not a document. It is an ongoing discipline.

Who We Advise

Our client relationships work best when there is meaningful complexity to coordinate: significant assets, competing financial priorities, and a long time horizon. We advise:

Meet our team of Perth wealth advisers

Why Independent, Fee-For-Service Advice Matters

Most Australians do not know how their financial adviser is paid. That matters, because how an adviser is paid shapes what they recommend.

Many advisers still receive commissions, volume bonuses, or platform incentives that create a commercial relationship between the adviser and the products they recommend. The advice may be sound. But that structure creates a conflict of interest you cannot fully resolve.

We operate on a fee-for-service model. We charge for our advice. We do not receive commissions from fund managers, insurance companies, or platform providers. We have no commercial relationships that could influence what we recommend.

We are also CEFEX-accredited, a distinction held by fewer than 100 firms globally and, to our knowledge, by no other firm in Western Australia. CEFEX (Centre for Fiduciary Excellence) is an independent international body that audits advisory firms against the Global Fiduciary Standard. Firms that earn certification have been independently verified, not self-declared, as operating in the best interests of their clients.

When we say we act in your interests, we have the documentation to prove it.

Contact Our Perth team

Financial Adviser vs Financial Planner: What Is the Difference?

Many people searching for a financial adviser in Perth use the terms “financial adviser” and “financial planner” interchangeably. In Australian law, both descriptions refer to professionals who must hold an Australian Financial Services Licence (AFSL) or operate as an authorised representative under one. The licensing obligations are largely the same.

The distinction matters more at the service level. A financial planner typically produces a Statement of Advice, a formal document that captures recommendations at a point in time. A wealth adviser provides ongoing, coordinated management of your financial life: implementing strategies, monitoring outcomes, and adapting as your circumstances change.

We describe ourselves as a wealth advisory firm, not a financial planning practice. This is not a semantic preference. It reflects a different model of engagement, one built around long-term stewardship rather than periodic advice documents.

For a detailed breakdown of the differences, read our article: Wealth Management vs Financial Planning

Read Our Google Reviews

Frequently Asked Questions

: A financial adviser helps you build and implement a strategy for your money, covering investments, superannuation, tax planning, insurance, and estate planning. We go beyond point-in-time recommendations. We coordinate your financial life on an ongoing basis, working alongside your accountant and solicitor as part of an integrated team around you.

: Financial adviser fees in Perth vary significantly depending on the scope of advice and the fee model. Advisers who charge a percentage of assets under management typically charge 0.5 to 1.5 per cent annually, a structure that can cost high-net-worth clients tens of thousands of dollars each year regardless of the work done. We charge a fixed fee for our advice, scoped to your situation. You pay for advice, not for the value of your portfolio.

: In Australia, both titles describe AFSL-licensed professionals providing financial advice. The terms are often used interchangeably. The practical difference is in the model: financial planning typically centres on a formal advice document, while wealth management involves ongoing, coordinated stewardship of your financial position. At Capital Partners, we operate as wealth advisers. Our relationship with clients is continuous, not transactional.

: Look for three things: independence (no commercial ties to product manufacturers or platforms), transparency (all fees disclosed upfront with no commissions received), and credentials (AFSL authorisation and, where possible, independent accreditation). CEFEX certification, held by Capital Partners, is an internationally recognised standard for fiduciary practice that few Australian firms have earned.

: CEFEX (Centre for Fiduciary Excellence) is an independent body that assesses financial advisory firms against the Global Fiduciary Standard. Certification requires an independent audit of the firm’s processes, structure, and governance, not a self-declaration. Firms that hold CEFEX certification have been externally verified as operating in the best interests of their clients. We are, to our knowledge, the only CEFEX-accredited firm in Western Australia.

: Our advisory model is best suited to individuals and families with $1.5 million or more in investable assets. At that level, the coordination required across investments, superannuation, tax structure, and estate planning is where the depth of our approach delivers its full value. If you are unsure where to start, our Risk Assessment Quiz can help you assess your current position and identify your priorities.

Looking for more information on financial advisers Perth?

We welcome you to visit our Knowledge Hub which offers a wealth of free resources. You’ll find everything from blogs and reading guides, through to videos and The Purposeful Investor podcast series.

Visit The Knowledge Hub

Financial advisers discussing wealth planning at a private wealth management firm in Perth.

Contact our Perth team

Get in touch today!

For trusted independent advice, we invite you to reach out to our friendly Perth team today. We aim to respond to all enquiries within two business days.

Capital Partners Private Wealth Advisers ABN 27 086 670 788 AFSL 227148

Click here to view our Privacy Policy