YOUR
TRUSTED
FINANCIAL
ADVISOR
Tailored financial planning services in Melbourne,
helping clients achieve their financial goals
YOUR
TRUSTED
FINANCIAL
ADVISOR
Tailored financial planning services in Melbourne,
helping clients achieve their financial goals
YOUR
TRUSTED
FINANCIAL
ADVISOR
Tailored financial planning services in Melbourne,
helping clients achieve their financial goals
Meet your life goals with quality advice, expertly tailored to meet your specific financial requirements.
Life, Disability, Trauma and Income Protection insurance. Personal insurance protects your family’s wealth and income.
We cover the key decisions you need to make when looking ahead to the lifestyle that you hope to have, when you retire.
Keeping a record of current and projected cash flow can ensure you always have enough money on hand.
Debt Management
Debt or borrowed money must be managed and structured effectively to minimise borrowing costs.
Borrowing to Invest
We cover the key decisions you need to make when looking ahead to the lifestyle that you hope to have, when you retire.
ZEAL FINANCIAL SERVICES
Your Trusted Financial Advisor, Serving Melbourne and Beyond.
Why Choose Zeal for your Financial Planning?
We do not follow a cookie cutter approach. As your financial planner, we personalise solutions to fit your needs and financial circumstances. At Zeal Financial Services, our goal is to provide quality advice, service and guidance to meet all your needs including budgeting and saving, taxes, investments, insurance, superannuation and retirement planning.
With you every step of the way to ensure that you’re protected and prepared today tomorrow and always.
Meet Your Financial Advisor
Here to Help You Achieve Your Financial Goals
Raphael Fernandez
Led by Raphael Fernandez, a certified financial advisor, and experienced business owner, Zeal takes a personalised approach to financial planning.
I believe financial planning should be as unique as you are and tailor-made for You.
That’s why I work one-on-one with each client, creating customised strategies that align with your values and goals. It’s all about providing easy-to-understand financial advice that gives you control over your financial future.
Throughout our partnership, I will be available to answer any questions and provide guidance as needed. My goal is to empower you to take control of your finances and work towards a secure financial future.
So what are you waiting for – contact us today for an obligation free chat and we will walk you through the next steps and provide you with a personalised financial plan that is tailor made to your unique needs.
Who Do We Help?
Personalised Financial Strategies for Individuals and Families at Every Stage of Life
Singles
I’m in my early 40s, single, and working in tech. I want to save for a down payment on my first home in the next five years. Additionally, I’d like to start a retirement fund to ensure I can retire comfortably in my 60s. Can you help me create a plan to achieve these goals?
Couples
I’m a 35-year-old couple with one child, and we both have stable jobs. We dream of travelling the world and taking our family on educational trips every year. We also want to set aside money for our child’s future college expenses. Can you assist us in developing a financial plan to make these dreams a reality?
Retirees
I am in my 50s, married, and have two children. I would like to retire by the time I am 65. My partner and I would love to buy a second home near the beach and have enough money to support our adult children through university. Can you help me create a plan to do this?
See how we've helped people just like you
First Time Investors
Single Professionals
Young Couples
Parents Pre-retirement
What does a financial planner do?
A financial planner helps individuals and families manage their finances to achieve specific goals. They assess clients' financial situations, create personalised plans for budgeting, saving, investing, and retirement, and offer guidance on insurance and tax strategies. By educating clients on financial literacy and risk management, planners empower them to make informed decisions. They regularly review and adjust financial plans to ensure clients stay on track, whether for buying a home, funding education, or preparing for retirement. Ultimately, a financial planner aims to provide clarity and confidence in financial decision-making.
At what stage of life should I see a financial planner?
Anyone can benefit from seeing a financial planner, especially those looking to secure their financial future. Homebuyers may seek mortgage protection advice to safeguard their investment. Individuals planning for retirement can benefit from a retirement financial advisor, who can help create a strategy to ensure a comfortable lifestyle. Those interested in maximising their superannuation can consult a superannuation financial advisor for tailored investment options and tax strategies. Families, professionals, and even young adults starting their careers can all gain valuable insights, making financial planners essential for anyone wanting to make informed decisions and achieve their financial goals.
What does a financial planner cost?
At Zeal Financial Services, we believe that quality financial advice should be accessible to everyone. The cost of working with a certified financial advisor can vary, often depending on the services you need. We offer transparent pricing structures, including percentage-based fees for assets under management, hourly rates, or flat fees for specific plans. As an independent financial advisor, we focus on your unique needs, providing tailored advice without any hidden costs.
Investing in your future with us means getting personalised financial advice that can lead to significant long-term benefits, ensuring you make informed decisions every step of the way.
Let's connect
Schedule your consultation today and take the first step toward financial clarity.
In-Person
Zeal Financial Services is based in Melbourne's eastern suburbs, offering personalised in-person consultations to help you navigate your financial journey.
Virtual consultations
For your convenience, Zeal Financial Services also offers virtual consultations via video platforms like Zoom, allowing you to receive expert advice from the comfort of your own home.
Our Process
A Collaborative and Transparent Approach to Your Financial Journey
At Zeal Financial Services, we know that ‘You work hard for your money and so we will work hard to protect it.’ We understand that managing your finances can be complicated, especially as your career or business progresses.
That’s why we are here to make financial planning simpler and worry-free.
We do this by offering a service where we are always accessible, making it our goal to work closely with you and provide financial advice tailored to your specific needs.
Say Goodbye to Budgeting Woes
Investing in Your Future, Today
Plan Today for a Richer Tomorrow
Dividends and Dedication
Why Zeal?
Personalised Approach
Zeal Financial Services tailors strategies to your unique financial situation, ensuring you receive the guidance that best fits your goals.
Holistic Financial Planning
We provide comprehensive services that cover all aspects of your financial life, from retirement to investment strategies.
Experienced Guidance
As a certified independent advisor, Zeal Financial Services brings expertise and integrity to help you make informed financial decisions tailored to your unique situation.
Discovery Centre
Retirement Calculator
This calculator helps you work out what income you are likely to have from super and the age pension when you retire.
Pension Calculator
This calculator is useful for people less than 2 years away from retirement or in retirement. It helps you work out how long your super pension will last.
Super Calculator
This calculator helps you work out how much super you will have when you retire and how fees affect your final payout.
Budget Planner
This budget planner enables you to work out where your money is going and to better manage your finances.
Customer testimonials
Hear what clients are saying about Zeal Financial Services
Drop us a message
We would love to hear from you! Whether you have questions about our services or want to discuss your financial goals, reach out today. We are here to help you every step of the way. Fill out the form below, and we will get back to you as soon as possible!
When you reach out to Zeal Financial Services, you can expect to:
- Gain personalised financial insights tailored to your goals.
- Receive expert guidance on wealth-building strategies.
- Establish a clear path towards a secure financial future.