Financial advice & a trusted relationship to

A GREAT RETIREMENT

Lifestyle

As seen In

Peace of Mind

1000

One of our Partners, Roger Perrett, is recognised as one of the Top 50 Most influential Advisers in Australia by Financial Standard.

Gain Confidence

$ 0 B

Supported by Centrepoint Alliance 797 approx. advisors and $64Bn under advice.

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Create Wealth to Enjoy

0 +

With over 153 Years’ of combined experience within the team, we offer tailored and proven financial solutions for you.

Recognised

Roger Perrett is recognised by Financial Standard as one of the Top 50 Most Influential Advisers in Australia out of 16,000

Significant support

From Centrepoint Alliance with 797 approx. Advisers & $64B under advice.

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Experienced

Over 25 years of expertise, offering diverse skills and proven solutions.

Financial Advisor Sydney

The Challenge

The challenge is, being confident that you have created enough wealth, for a long & enjoyable retirement. Here are four problems that you will be facing:

Investment Uncertainty

Investing is tricky, requiring expertise and understanding of various financial instruments and markets.

Time Constraints and Emotional Decision-Making

Many people lack the time and interest to manage their finances effectively and are often guided incorrectly by emotions, which can lead to suboptimal financial decisions.

Ever-changing Legislation

Government rules and tax minimisation strategies are continually evolving, making it difficult for individuals to keep up and make informed decisions.

High Cost of Mistakes

Making financial mistakes can be costly, a burden most individuals cannot afford, highlighting the need for professional financial guidance.

Please find further problems to solve.

“Having a financial advisor is like having a teacher that is great at explaining and advising what is important, but then they do everything for you.”

Roger Perrett – Partner

Create wealth for you to enjoy

Imagine waking up each day with the freedom to do what you truly love, whether it’s exploring hidden corners of the world, nurturing your passions, or simply cherishing moments with loved ones.

Path to create a great retirement Lifestyle

7 Step Wealth Creation Framework

Our 7 Step Wealth Creation Framework is designed to secure your financial future. Developed over 25 years and used with hundreds of clients, all who are now enjoying a financially secure and fulfilling retirement.

Plan for Life events & create exciting goals

Prepare for life’s significant moments, such as retirement, caring for elderly parents, assisting children with home deposits, downsizing, receiving inheritances, and renovating. Our service helps you manage these crucial events, ensuring a fulfilling retirement lifestyle.

Invest Wisely

Align your investments with your desired performance level and risk tolerance. We offer research-backed investment strategies and conduct regular portfolio reviews to ensure consistent performance and mitigate risks during market downturns.

Generate Income

Focus on creating a tax-free income stream (0%) for retirement, designed to last a lifetime. This approach is all about generating sustainable, tax-efficient income that not only supports you in retirement, but also helps in building wealth for your lifestyle or further financial growth during your earning years.

Protect Assets

Our asset protection strategies are designed to safeguard your wealth within the family lineage, protecting against potential family, legal, or business risks. This includes plans to secure your financial position in cases of income loss, injury, or illness.

Minimise Tax

Our aim is to reduce tax liabilities both currently and in the future. By implementing effective tax minimisation strategies, we ensure the longevity and sustainability of your wealth and income.

Gift funds and create an inheritance

Plan effectively for gifting to children or charities and creating a lasting inheritance. We ensure that your assets are distributed according to your wishes to your intended beneficiaries after your passing.

Optimise debt (if applicable)

We provide insights on distinguishing ‘good’ debt from ‘bad’ and advise on optimal debt management strategies. This includes evaluating interest costs and debt reduction versus making superannuation contributions.

Our Process to Success

Understand Your Situation

Create Recommendations

Implement Advice

On Going Advice & Support

Gain confidence in your financial future with tailored strategies that bring peace of mind. Look forward to embracing life and enjoying retirement, secure in the knowledge that your future is well-prepared and primed for enjoyment.

What We Believe

We are committed to the idea that everyone is entitled to a remarkable retirement, and we place a high value on being good listeners, easily accessible, and making complex financial concepts simple. While we provide expert financial guidance, the emotional benefit comes from the trusted relationships we build with our clients.

Integrity is at the core of our practice, crucial for fostering trust and achieving successful outcomes. We share proven strategies with the same level of care and honesty we’d use for our own families.

Our commitment to clarity and transparency is evident in our written advice, ensuring accountability and attention to detail. This approach leads to a reliable and straightforward financial partnership, setting the stage for a stress-free and rewarding retirement.

Merran, 46 - 55 years, Spencer, NSW

Dean is a really honest and knowledgeable person who always explains all of my options thoroughly and clearly. He is always very approachable, interested in understanding and meeting my needs. I’m very…

grateful and privileged to have Dean as my adviser.

Margaret, Alexandria, NSW, 55+

I have found Roger to be an outstanding financial adviser for my needs. He is extremely knowledgeable, efficient and possesses a calm and approachable personality. Always contactable, open , patient…

and proactive in providing excellent advice when required. He follows up with regular reviews and any query (small or other) is always welcomed by him. Roger has no agenda other than to ensure his clients are comfortable with the strategy and if not he has no issue in working to ensure my risk appetite aligns. He is trustworthy and oozes integrity which is rare in the industry and I would so highly recommend him to anyone.

Joe, 56 - 65 years, Castle Hill, NSW

We have been a client of Deans for some years now. During this time, Dean has always provided honest and reliable advice in relation to our superannuation and future investments. Dean is both knowledgeable…

and understanding with his advise and always tailors his advice to the client. He is always available to clarify any queries we have in relation to his advise. We highly recommend Dean as an adviser.

Phil, 56 - 65 years, Narraweena, NSW

Roger has been advising me on my superannuation and retirement income strategies for over 7 years. He takes the time to get to know his clients and their specific needs and provides excellent service and advice

Lisa, 56 - 65 years, Rose Bay, NSW

My husband and I have been clients of Deans for over 20 years and trust his expert opinion explicitly. He is always upfront and honest with us and puts himself in our position to best advise the most suitable..

investments and financial choices. I can’t recommend Dean highly enough, not only is his knowledge extensive and up to date, he’s also a really nice person!

Vanessa, 56 - 65 years, Balgowlah Heights, NSW

Roger has helped us enormously. He restructured our insurances and helped navigate our investments for retirement. I am not financially savvy and he explains things in a way that I understand…

he has incredible communication skills – especially for me as a visual thinker. He is also very proactive and responsive. Highly recommend

Patricia, 65+ years, Hornsby, NSW

Dean has been my financial adviser for 18 years or more. I cannot speak more highly about his courtesy, integrity, his kindness and honesty and clear communication to me. He assisted me when I left work in…

applying for the age pension and now looks after my pension from my superannuation fund. I can call him at any time, and he immediately returns my calls with the explanation of whatever I am enquiring about. I am very happy with the way he has distributed my superannuation into the current portfolio I have. I would wholeheartedly recommend him to any person who was looking for advice on how to manage their financial portfolio.

Vivienne, 65+ years, Leura, NSW

Roger has been my trusted financial adviser since 2018. Roger is very approachable, patient, and really explains in plain English issues I need fuller understanding of. When it comes…

to my interests, whether that be in the area of taxation, or retirement concerns, Roger gives me piece of mind. I would highly recommend him to anyone seeking a financial adviser.

Mark, 56 - 65 years, Balmain, NSW

My wife and I have been clients of Dean’s for many years now. During this time we have found Dean to be very knowledgeable, professional and a good communicator. He provides clear sound advice in all matters…

relating to our financial security all with first class service. Highly recommended.

Jo, 46 - 55 years, Freshwater, NSW

Roger has been our adviser for approximately 5 years and he has been invaluable in providing advice around our investments to ensure we have retained the right mix of cash flow and capital growth…

He has also guided us through upgrading our home and restructuring our debt and investments, as well as providing clear and easy to understand information about our super and how we will need to plan for retirement. I would thoroughly recommend Roger to anyone seeking financial advice.

Kathleen, 56 - 65 years, Bundanoon, NSW

I would highly recommend Dean Fuchs. I have found him to be very personable and knowledgeable. His experience is broad and extensive having worked in the industry for many years. His ability to communicate…

complex information in a way that makes it easier to understand is a strength. He acts with honesty and integrity at all times. And I always feel with Dean that he truly has my best interests at the forefront of his mind.

Paul, 56 - 65 years, Balgowlah Heights, NSW

Roger has helped us with our financial planning for many years. He always communicates the issues very clearly; he is very patient and goes out of his way to ensure that everything is well understood.

Graydon, 65+ years, Narrabeen, NSW

My involvement with Roger in the Finance Industry goes back over 20 years where I have always found him to operate with integrity and a willingness to fully understand…

a client’s requirements and strategy. He listens and does not force an unwanted strategy or unsuitable investment but is willing to offer alternative opportunities to support a client’s goals.”

Terry, 56 - 65 years, Balmain, NSW

Roger was recommended to us by a friend with 15+ years experience of dealing with him. We have used him to help simplify our retirement needs for the past few years…

In this time, we have found him to be personable, honest and knowledgeable – all the requirements needed in a financial adviser. We can highly recommend.

Carmen, Beverly Hills, NSW, 45+

Roger is professional, patient and genuinely listens and cares for my financial planning needs. He is approachable and delivers clear and easy to understand strategies and recommendations…

I am very grateful of Roger’s expertise and advice, and have full confidence that my investments are in very capable hands.

Bruce, Crows Nest NSW, 65+

Roger has been my adviser for over 5 years. His style is to understand my situation and my aims/desires; then he creates strategies accordingly. Along the way he clearly explains complex issues in a simple way…

In addition he frequently makes very worthwhile suggestions. He responds very quickly and has a wealth of knowledge making him ideal to contact for any financial issues. It’s a pleasure to recommend him.

Let's Get Started

Claim the opportunity to meet our expert Financial Advisors, at no cost to you. Gain clarity on goals, get an action plan, and see how we can support your financial dreams.

Ready to get started? Fill out this form to contact our friendly team.

0404 876 446

virginia@freshwaterwealth.com.au

Level 11, 10 Carrington Street
Sydney NSW 2000