Rod Gardner

I really enjoy helping people create financial certainty and make confident decisions about their future, particularly when it comes to retirement, wealth creation and aged care.

Results

I have been providing financial advice since 1998 and have helped individuals, families and business owners navigate important financial decisions through every stage of life.

My experience spans retirement planning, wealth creation, superannuation and SMSFs, insurance, aged care advice and business succession planning. As a CERTIFIED FINANCIAL PLANNER® (CFP®), Accredited Aged Care Professional™ and qualified Tax (Financial) Adviser, I combine technical expertise with practical strategies designed to help clients achieve their goals.

Insight

Over the years, I have found that many people are not aware of the opportunities available to them or the risks they may be exposed to. Often, they are doing well financially but want reassurance that they are making the right decisions.

I am regularly asked, “Am I on the right track?” or “Is there anything else I should be doing?” My role is to identify opportunities, manage risks and provide confidence around important financial decisions.

The Challenge

The challenge for many people is that financial decisions are becoming increasingly complex. Investment markets change, legislation evolves and major life events such as retirement, aged care and succession planning can feel overwhelming.

Most people do not have the time, expertise or interest to keep across every financial issue while managing their work, family and personal commitments.

Our Solution

For your peace of mind, my advice focuses on providing clarity, practical strategies and ongoing support. As a client, you will:
• Gain confidence through personalised financial strategies,
• Have complex issues explained in simple terms,
• Better understand opportunities and potential risks,
• Enjoy the reassurance of having a trusted adviser by your side,
• Feel more confident about your financial future and retirement.

Why I Am a Financial Adviser

What initially attracted me to financial advice was the opportunity to combine strategy, problem-solving and technical expertise.

However, what I soon discovered was that the most rewarding part of the profession is helping people make important life decisions with confidence. I enjoy building long-term relationships and helping clients achieve financial certainty through clear advice and thoughtful planning.

Opportunity

I believe everyone deserves quality financial advice and the confidence that comes from having a clear plan for the future.

Whether you are preparing for retirement, considering aged care options, building wealth or planning for your family’s future, I would welcome the opportunity to assist. Relationships are important to me, and I take pride in being available to support my clients whenever they need guidance.

Personal

On the personal side, I enjoy spending time with family and helping people navigate some of life’s most important decisions with greater confidence and peace of mind.

Education & Qualifications

• Bachelor of Business (Finance & Economics), University of Technology Sydney (Graduated with Distinction)
• Graduate Diploma in Financial Planning
• CERTIFIED FINANCIAL PLANNER® (CFP®)
• Accredited Aged Care Professional™
• Tax (Financial) Adviser

Awards & Recognition

• Quality Advice Accreditation – NAB Financial Planning (2004)
• Rookie of the Year Financial Planning Sales – NAB Financial Planning (1999)

Next Steps

Please phone on 0422 944 942 or email on rod@freshwaterwealth.com.au

Freshwater Wealth Management Pty Ltd | ABN 296 731 232 45 | Corporate Authorised Representative No. 1307016

Licensee – Alliance Wealth Pty Ltd | AFSL No. 449221 | ABN 93 161 647 007 | www.centrepointalliance.com.au/fsg/aw