Smart Financial Choices
For Every Stage of Life
Trusted guidance,
genuine care
About Us - RFS Advice – Gold Coast
RFS Advice is a leading financial planning firm based on the Gold Coast. For more than 25 years, RFS Advice has been helping individuals, families and business owners build, protect and enjoy their wealth through every stage of life.
As a team-owned and self-licensed firm, RFS Advice operates independently, free from the influence of banks or corporate product providers. This allows the team to focus entirely on your goals, providing financial strategies that genuinely serve your best interests.
This site exists to connect locals with RFS Advice’s award-winning advisers who combine technical expertise with real-world understanding. Whether you’re planning for retirement, growing your wealth, or navigating life transitions, we offer the clarity, structure and confidence you need to make informed financial decisions.
Where Knowledge Connects With Real Life
Clarity and Control
See your full financial picture with complete transparency, so every step you take moves you closer to your goals.
Freedom to Focus on Living
Spend more time on what you enjoy, knowing your long-term financial plan is working quietly in the background.
Confidence That Lasts
Trust in a team that combines technical skill with genuine understanding – giving you the reassurance your future is in capable hands.
Who We Help
Wealth Creators And Young Families
01Professionals Building Financial Freedom
02Women Taking Charge Of Their Finances
03Retirees Moving Into Community Living
04Retirees Living The Life They Planned
05Boards, Committees And Institutional Investors
06
Wealth Creators And Young Families
Whether you’re an employee or run your own business, you’re making good money, but worry you’re missing out on opportunities to turn that solid income into great choices your future self will thank you for. Conflicting opinions and uncertainty about the right financial steps leave you feeling stuck and unable to move forward. At RFS Advice, we understand how paralysing that can feel. Our advisers are experienced in the work-life juggle and nuances of business finances. We help you create a clear plan that structures your finances to reduce debt, create wealth and retire comfortably.
Read More
Professionals Building Financial Freedom
You’ve done it! Congratulations. The kids are off your hands, the mortgage is gone and you finally have time to think about what’s next. At RFS Advice, we understand that ‘retiring’ means different things to different people. For some, it may mean pulling the pin entirely from work life. For others, it may mean easing back a bit to free up more time for fun and family. Whatever your version of retirement looks like, we’ll help get you financially organised and on the same page about your retirement vision. Together, we’ll develop a roadmap that includes all the essentials and extras you want, so you can make work optional as soon as possible.
Read More
Women Taking Charge Of Their Finances
Handling all the financial decisions alone can feel overwhelming – especially when you have questions and no one to turn to. You have a lot of questions, but it’s a tricky topic to discuss with your friends, so you either spend too much time worrying about it or put it out of your mind. RFS Advice is here to shoulder the burden of your finances. We simplify, organise and take care of your money so you can focus on the things in life that really bring you joy.
Read More
Retirees Moving Into Community Living
Transitioning a parent or relative into aged care is a significant decision that often comes with emotional, physical and financial strain. RFS Advice will provide you with the support, guidance – and compassion – you need to ensure you’re able to make an informed decision about your loved one’s future.
Read More
Retirees Living The Life They Planned
Downsizing to a retirement community is a significant financial decision. With various contract types, complex fee structures and potential impacts on your pension, it’s important to understand all the details. RFS will take the time to explain your options in clear, simple language, so you can make a smart decision that balances quality of life with financial wellbeing.
Read More
Boards, Committees And Institutional Investors
You’re making major investment decisions for your organisation or family office, but increasing market complexity and governance pressures are making progress more challenging. The good news is you don’t have to do this alone. RFS Advice will be your strategic partner, and will help you create clear frameworks and decision-making processes. That way, even when the existing committee members move on, their successors will have the structures in place to make sound investment decisions.
Read MoreTake The Next Step Towards Financial Confidence
Book a call
Want to understand how RFS Advice can help? Schedule a 30-minute video chat with our team to see how we work with clients.
Request a call-back
Prefer us to reach out? Share your details and a convenient time – one of our team will be in touch soon.
Send an email
Have a quick question? Leave your name, email and message, and the RFS Advice team will respond promptly.
Navigate Aged Care Decisions With Clarity And Compassion
Making decisions about aged care can be one of life’s most emotional and complex moments. Between financial considerations, lifestyle choices and family wellbeing, it’s easy to feel uncertain about what to do next.
That’s where RFS Advice, the firm behind this website, comes in. Our specialist aged care team helps families across the Gold Coast make informed, confident choices for their loved ones. With decades of experience, RFS advisers understand how to balance care needs, costs and Centrelink requirements – while protecting family wealth for the long term.
From explaining fees and funding options to managing paperwork and liaising with facilities, we take care of the details so you can focus on supporting your family. Our guidance blends technical expertise with genuine empathy – ensuring peace of mind through every stage of the transition.
Aged Care Guidance You Can Trust
When it’s time to explore aged care options for a parent or family member, the decisions can feel overwhelming. You’re navigating emotions, responsibilities and finances all at once – and often with limited time to make choices that have lasting impact.
That’s where RFS Advice provides clarity and reassurance. Their aged care specialists help families understand the full financial picture before making any commitments. From comparing care arrangements to assessing funding options, we help you choose what works best for your loved one and your family’s future.
RFS Advice also takes care of the administrative details, coordinating with Centrelink, facilities and other professionals to keep the process simple and transparent. The focus is always on protecting assets, ensuring affordability and preserving peace of mind.
With expert support and clear information, families can make aged care decisions confidently – knowing every step is guided by experience, empathy and integrity.
"The goal isn’t more money. It’s living life on your own terms."
- Chris Brogan
Building Financial Confidence That Lasts
True financial confidence isn’t about predicting the markets or chasing quick returns – it’s about having clarity, structure and trusted support through every stage of life.
RFS Advice is a Gold Coast firm that has been helping locals make smart, informed financial decisions for more than 25 years. Our team knows that confidence grows from understanding how your money supports the life you want – whether that means paying down debt, investing for the future or preparing for retirement.
Through tailored strategies and transparent conversations, RFS advisers help clients see the bigger picture. It’s not just about managing wealth, but creating the freedom to make choices that matter – from family priorities and business growth to travel, lifestyle or legacy.
Financial confidence also means knowing you’re not facing life’s changes alone. Working with RFS Advice, you'll have access to experienced professionals who combine technical knowledge with genuine care. They make complex decisions simple, so you can move forward with clarity, knowing your future is built on strong foundations.
When you have a plan designed around your goals, you don’t just feel secure – you feel empowered. That’s what lasting confidence looks like.
Why Financial Planning Matters At Every Life Stage
Life doesn’t follow a straight path – and neither does your financial journey. What you need from your money changes as your priorities evolve, which is why having the right guidance at each stage can make all the difference.
RFS Advice has helped clients across the Gold Coast and beyond make confident financial decisions for more than 25 years. Their advisers understand the milestones that shape your financial world – buying property, growing a business, preparing for retirement or supporting family members through aged care.
For professionals and business owners, it’s about turning strong earnings into lasting wealth. For those nearing retirement, it’s ensuring the years of hard work translate into financial freedom. And for retirees, it’s maintaining security and flexibility so your savings support the lifestyle you’ve planned.
RFS Advice also provides specialist guidance through major transitions like downsizing, aged care, and estate planning – helping families make informed choices with clarity and care.
Whatever your stage of life, financial planning is about more than numbers. It’s about structure, confidence and the peace of mind that comes from knowing your future is being looked after by experts who understand what matters most to you.
Google Reviews
As Seen In
What Our Clients Say
The experiences of our clients speak volumes about the impact of thoughtful, long-term financial guidance.
Every story is unique – from professionals building wealth to retirees enjoying the freedom they’ve planned for. What unites them is confidence, clarity and the reassurance that comes from having the right team in their corner.
What People say’s About us
Hear from individuals and families who’ve partnered with us to take meaningful steps toward financial independence and peace of mind.
Troy Theobald has been managing my financial affairs for the past 6 years. I have always found him to have a very level headed and practical approach to my affairs. He has a definite, well constructed ‘game plan’ which he adheres to and which has delivered satisfactory returns on my investments. I have faith in his judgement.
PROF. MICHAEL, L
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
Ron Di-Sosa
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
Ron Di-Sosa
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
Ron Di-Sosa
Get In Touch
RFS Advice is the Gold Coast’s trusted financial planning team. If you’d like to explore your financial goals or ask a question, reach out to the advisers at RFS Advice for a confidential conversation and personalised guidance.
We look forward to helping you. Please fill in your details and you will then be contacted by a financial adviser who specialises in helping people like you.
Frequently Asked Questions
RFS Advice works with clients at every stage of their financial journey – from professionals in their 40s ready to turn strong earnings into long-term wealth, to those in their 50s and 60s planning the transition to financial freedom. The team also supports self-funded retirees who want to live well, stay secure and make the most of what they’ve built.
Beyond retirement planning, we assist families preparing for aged care or exploring retirement community options, helping them navigate both the financial and emotional sides of these major decisions.
Wherever you are in life, RFS Advice is here to help you make confident choices about your future.
It starts with understanding what matters most to you. The advisers at RFS Advice take the time to learn about your goals, priorities and comfort with risk before making any recommendations. They look at your full financial picture – your income, assets, commitments and lifestyle – to ensure every part of your strategy works together.
Your investment plan is then shaped around balance and long-term security, not short-term trends. By diversifying across different asset types and adjusting for market conditions, RFS Advice helps you grow and protect your wealth in a way that suits your stage of life.
And as your circumstances change, so will your plan. Regular reviews keep everything aligned with your goals, so your investments continue to support the future you’re working towards.
With more than 25 years’ experience, RFS Advice has earned a reputation as one of the Gold Coast’s most trusted financial planning firms. The team is known for its depth of expertise, award-winning service and long-standing commitment to clients across every stage of life.
RFS advisers work with a wide range of people – from business owners and professionals growing their wealth, to retirees and families preparing for aged care decisions. What sets them apart is the way they combine technical skill with genuine care, helping clients make clear, confident choices about their financial future.
At RFS Advice, financial planning is about more than numbers. It’s about helping you live a life that’s secure, balanced and meaningful – today and for years to come.
Absolutely. RFS Advice offers an obligation-free first meeting so you can get to know the team and explore how they can help. It’s a relaxed conversation about your goals, priorities and any financial questions you have. There’s no cost or commitment – just a chance to understand whether RFS Advice is the right fit for you.
For many clients, professional advice becomes one of the most worthwhile financial decisions they make – the clarity and long-term outcomes often outweigh the initial cost.
At RFS Advice, the focus is on helping you make informed, confident decisions about your money. By bringing together expertise in superannuation, investing, tax and risk management, the team helps you avoid costly missteps and stay on track to reach your goals.
Of course, financial advice isn’t right for everyone. In some cases, the benefits may not justify the expense based on your stage of life or financial position. RFS Advice is always transparent about this and will outline the potential value of ongoing advice during your first, obligation-free meeting.
Our clients appreciate the peace of mind that comes from having a trusted adviser by their side.
Quick Links
Get In Touch
- info@rfsadvice.com
- 07 55 757 689
- Ground Floor 9 Ouyan Street, Bundall QLD 4217
© Copyright 2025 | Gold Coast Financial Planning | All right reserved.