Independent Advice

Independent advice – the way it should be

It’s a harsh truth that the vast majority of financial providers in Australia who claim to be independent, in fact, aren’t. If they receive commissions or are aligned with a licensee that does, then they’re not technically independent.

When you’re looking to preserve and protect your wealth for you and your family, you want advice that’s free from any bias and isn’t designed to see anyone else profit off your situation.

We’re one of only a select group of Financial Planning practices that are truly independent. We’re privately owned and operated, and don’t receive commissions or incentives of any kind. Our complete independence means we remain objective and create financial plans that are right for you, with our only motive being to see you succeed.

Our credentials

We’re licensed through Stephan Independent Advisory Pty Ltd AFSL No: 476427, a boutique license founded by us to pioneer the provision of independent-only advice in Australia, and are a founding member of the Profession of Independent Financial Advisers.  Click here to review the Gold Standard of Independence criteria that we meet.

We’re serious about providing truly independent advice—nothing is going to change that.

Back To About Us


  • Enjoy the fruits of working life Joe & James were able to provide me with the impetus to take the next step into retirement which could have been delayed without quality financial advice. Dr. Kevin Adams Self Funded Retiree
  • Professional practice to be admired Joe & James' professional practice is to be admired. They are always there for his clients when needed. They freely pass on their expert knowledge without hard product selling techniques. Dr. Elspeth Mckay Associate Professor
  • Personal advice for complex lives Stephan Independent Advisory took the time to understand our situation & tailor their advice & solutions to our specific needs which, being a business owner, can be quite complex. Paul Marsh - Principal P2 Group - Business Owner
  • Family centered advice We have moved our investments from being a private client with a major bank to Stephan Independent Advisory in 2018. Since this move, we have been surprised at the depth of understanding encountered from Joe and James about our future plans and their ability to comprehend exactly what we wish to achieve. Mr Graham and Mrs Judith McKnight Self Funded Retirees
  • Values aligning with our own Clear, timely and direct responses in all areas of communications are outstanding. Meetings are planned and run efficiently to deliver on all our expectations. The firm’s values align to our own so that trust is readily established. Mr John and Dr Kim Watty Self Funded Retirees

It’s Never About Money

Whether you have significant financial resources and question the meaning of success or if you’re wondering whether being that little bit wealthier will make you happier this is the podcast for you.


Stephan Independent Advisory
Private Wealth Management
Suite 506, 1 Princess Street, Kew VIC 3101