Financial planners in Australia are paid through client fees for advice, implementation, and ongoing service. Some also use asset‑based fees with clear consent. Commissions are banned for new investment and super advice, but regulated life insurance commissions are permitted. Salaries plus bonuses are standard for employed advisers.
Financial planners have a percentage charge fee for their clients. On average, they can have an annual salary ranging from AUD115,000 to AUD145,000. Under Australian law, fees require annual consent and must align with services delivered. Clients receive Statements of Advice for personal advice and ongoing disclosure for renewals. This model increases transparency and aligns adviser incentives with client outcomes.
International graduates typically start on salary and progress to revenue‑linked bonuses after authorisation.
Gain compliance skills with accounting‑related courses and plan post‑study steps with the 485 visa guide.
