Financial planners generally earn the most in Sydney and Melbourne, especially in private wealth, family office, and CBD advisory firms. High‑net‑worth client segments, leadership roles, and equity partnerships drive top earnings. Regional roles may offer lower base pay but strong lifestyle and client retention benefits.
3 possible methods of getting paid as a financial planner
Fee-only: earnings coming from clients’ fees only
Fee-based: client fees combined with commissions
Commission-based: commissions coming from financial firms who acquire their service
Compensation rises with revenue responsibility, compliance expertise, and client complexity. SMSF, retirement income, and portfolio construction skills attract higher fees. Bonuses and profit share are most common in practices with recurring fee books and strong referral networks.
International graduates can access higher pay faster by building local experience, client communication skills, and advice tech capabilities during the Professional Year.
Explore study routes via business programs in Australia and post‑study options with the 485 visa.
