Financial planning helps you connect the dots between your money and your life. It’s about understanding what you want now and for the years ahead, then building a clear plan that makes it possible.

At Centaur, we help you figure out what matters most, what’s actually possible with what you have, and exactly what needs to happen to bridge the gap.

Your Money Your Life

What financial advice and wealth planning actually solves

Scattered finances

Money spread across accounts, super funds, properties or business interests. We bring it together into one strategy that works toward your goals.

The “Do I have enough?” question

You’ve built wealth but don’t know if it’s enough to retire. We model your income, spending and assets to show exactly when work can become optional.

Decision paralysis

Every choice feels high stakes because you’re unsure how it affects everything else. We bring clarity so you can make confident, informed decisions.

Not enjoying your money

You feel guilty every time you spend, put off booking the holidays, or miss out on experiences because you’re worried about running out. We help you understand what you can safely spend so you can enjoy life now without sacrificing your future.

Who financial planning and wealth advice is for

This service is for you if you’re:

  • 5-10 years from retirement and want to know if you’re on track
  • A business owner planning your exit and wondering what life looks like afterwards
  • Managing multiple income streams, properties, or assets and feeling disorganised
  • Receiving a lump sum (inheritance, redundancy, sale) and need a clear plan for it
financial planning and wealth advice

Financial Advice & Wealth Planning FAQs

They’re often used interchangeably, but here’s the distinction: financial advice is specific recommendations on investments, super, or insurance. Financial planning is the bigger picture — your whole financial roadmap from where you are now to your long-term goals. At Centaur, we do both — and they work together.

It depends on the complexity of your situation. For most clients, initial planning involves an upfront advice fee, then an ongoing service fee if you want us to manage and review your plan annually. We’re completely transparent about costs before you commit — no surprises.

Accountants handle your tax returns and business compliance — which is critical. But they’re looking backwards at what happened last year. Financial planners look forward at what’s coming next — retirement, super strategies, investments, estate planning. You need both, and ideally they work together for you.

At minimum, annually. But major life changes — selling a business, receiving an inheritance, buying property, retiring — should trigger a review. We stay in touch throughout the year to make sure nothing important slips through.

Good. That’s exactly who we work with. Business structures, multiple properties, trusts, SMSFs, divorce settlements, blended families — complexity is where specialist advice matters most. The more moving parts you have, the more important it is to get the plan right.

Possibly. Most people underestimate what they can afford because they’ve never modelled it properly. We show you what’s actually possible — and if retiring earlier is realistic, we’ll map out exactly how to make it happen.

This is where planning matters most. We structure your finances so you have enough cash and defensive assets to ride out downturns without selling growth investments at the worst time. That way, market crashes are uncomfortable, not catastrophic.

Super funds give generic advice about their products. We look at your entire financial life — super, investments outside super, property, business assets, tax, estate planning — and build a strategy that’s specific to you, not their product shelf.

A Certified Financial Planner® (CFP®) is a financial adviser who has met the highest professional and ethical standards in the financial planning profession. To earn this designation, advisers must complete advanced study, meet strict experience requirements, and commit to ongoing professional development. You can find Certified Financial Planners via the Financial Adviser Association of Australia website.

At Centaur Financial Services, Hugh Robertson our CEO is a Certified Financial Planner®. His leadership ensures every strategy designed by our team meets the same high professional and ethical standards set by the CFP® designation.