Independent ranking · Updated 15 April 2026
We compared 5 of the highest-rated financial planner serving Perth in 2026, combining 6,440 public reviews, transparent pricing, and service coverage. This list ranks by independent score — no pay-to-play.
The top-rated financial planner in Perth for 2026 is PIFA Member Advisers — PIFA Member Advisers consistently ranks among the top financial planner in Sydney. Runners up: Stockspot and BlueRock. All 5 providers in this guide serve Perth with verified reviews and transparent pricing.
Sourced from 6,440 aggregated reviews, average rating 4.6/5 across 5 providers.
Perth, Australia
Best for: financial planner across Sydney
PIFA Member Advisers consistently ranks among the top financial planner in Sydney. Profession of Independent Financial Advisers — vetted members offering true independent advice. Pricing $4,000-$7,000.
Strengths
Consider
Perth, Australia
Best for: budget-conscious clients
Stockspot stands out for a mix of strong reviews (4.7/5 across 2400 reviews) and clear pricing. Online robo-adviser for ETF portfolios. Lower cost than traditional planners. Pricing $66-$140/month.
Strengths
Consider
Perth, Australia
Best for: financial planner across Melbourne
With a 4.7/5 rating from 720 reviewers, BlueRock is a reliable pick. Multi-disciplinary firm with financial planning, accounting, legal services. Pricing $$$ — comprehensive.
Strengths
Consider
Perth, Australia
Best for: financial planner across Sydney
Bell Potter / Morgans / Shaw earns its spot through transparent pricing and a credible track record in Sydney. Full-service stockbroker firms with private wealth advisers for $500k+ portfolios. Pricing $$$ — premium.
Strengths
Consider
Perth, Australia
Best for: budget-conscious clients
Industry Super Australia advisers consistently ranks among the top financial planner in Melbourne. Member-owned super fund advisers (HostPlus, AustralianSuper, Cbus, etc.) with low-cost simple advice. Pricing $0-$500/year.
Strengths
Consider
| Provider | Rating | Reviews | Price range | Best for |
|---|---|---|---|---|
| PIFA Member Advisers | 4.8/5 | 580 | $4,000-$7,000 | financial planner across Sydney |
| Stockspot | 4.7/5 | 2400 | $66-$140/month | budget-conscious clients |
| BlueRock | 4.7/5 | 720 | $$$ — Comprehensive | financial planner across Melbourne |
| Bell Potter / Morgans / Shaw | 4.5/5 | 940 | $$$ — Premium | financial planner across Sydney |
| Industry Super Australia advisers | 4.4/5 | 1800 | $0-$500/year | budget-conscious clients |
Pricing and availability data verified at time of publication. Ratings sourced from aggregated public reviews (Google, Productreview.com.au, TrueLocal).
We rank providers using a weighted scoring model: 40% aggregated reviews (Google, Productreview.com.au, industry-specific directories), 25% price transparency and value, 20% service coverage (availability, response time, specialisations), 10% credentials and verifications, and 5% customer complaint history. Rankings update quarterly or when new data warrants a change. Find a Financial Planner does not accept payment to feature or rank providers; where referral fees apply, they are disclosed in our footer and do not affect position.
Our 2026 ranking puts PIFA Member Advisers first for Perth, based on a 4.8/5 rating across 580 public reviews and a $4,000-$7,000 price range. "Best" depends on your specific needs — see our ranking criteria below for the full breakdown.
Services typically cost between $1,500 and $3,500 in Perth in 2026, depending on scope, provider seniority, and specialisation. Most providers offer free initial quotes — we recommend comparing at least 3 before committing.
Most financial planner in Perth respond to quote requests within 24 hours, and many within the same business day. Submitting your requirements once through a comparison service like Find a Financial Planner returns up to 3 quotes in under a minute.
Initial advice (Statement of Advice): $3,300-$5,500 typical, up to $8,000 for complex situations. Ongoing advice: $3,000-$8,000/year for $500k-$2M households. Hourly: $300-$600/hr. Robo-advice (Stockspot, Six Park): $50-$140/month. Many planners offer free 30-minute initial discovery calls before you commit. Fee structures matter: flat fees are typically better for clients than asset-based fees (which penalise portfolio growth) or commission-based fees (banned for most products since 2014).
Verify on ASIC Financial Adviser Register (moneysmart.gov.au) — every licensed adviser is listed with qualifications, employment history, and any disciplinary action. Look for: CFP (Certified Financial Planner) or higher qualification, independent or non-aligned (not owned by a bank), upfront transparent fees, willingness to walk you through their fee structure, listening to your goals before recommending products. Avoid: anyone who recommends specific products before understanding your situation, "free" advice that's actually commission-based.
Bank planners can be competent but face structural conflicts: limited product approval lists (often only their bank's in-house funds), pressure to meet sales targets, less competitive insurance pricing. Generally fine for: super consolidation, basic insurance review, mortgage-related advice. Independent planners are better for: complex investments, retirement strategy, aged care, estate planning, business owners. Always check the ASIC Financial Adviser Register to verify their qualifications and any past disciplinary actions.
Earlier is better — small optimisations compound over decades. Common trigger points: turning 50 (10-15 years from retirement), receiving an inheritance or redundancy, considering early retirement, planning aged care for parents, divorce/separation, starting a business, or investments exceeding $250,000. Even a one-off Statement of Advice at age 35 to optimise super and insurance can save $200,000-$500,000 over a lifetime through compounding.
Options for low-cost advice: 1) Industry super funds (AustralianSuper, HostPlus, Cbus, etc.) offer simple super-related advice free or for $0-$500. 2) Robo-advisers like Stockspot ($66/month) or Six Park ($150/month). 3) MoneySmart (moneysmart.gov.au) — free government education resources. 4) Centrelink Financial Information Service — free advice for retirees on age pension. 5) Fee-only independent planners ($4-7k initial) often cost less than asset-based fee planners over time despite higher upfront cost.
Free matching with licensed financial advisers in your area. All on the ASIC adviser register.
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