I am an independent, impartial and unbiased financial planner. And I offer a fully transparent fixed fee service; there are no commissions, and there are no fees based on your level of wealth or investment size. Whilst fully qualified in all areas of financial planning, my focus is retirement planning - helping retirees best structure their assets before retirement, and providing ongoing advice after retirement. Every recommendation has passed the "with my knowledge and experience of investment, tax and superannuation, what would I do if I were him or her?" test. Unlike many financial planning practices, through CWM Perth Financial Planning Pty Ltd, we operate under our own Australian Financial Services Licence (#436740) which has been issued by the Australian Securities and Investments Commission (ASIC). This means I am free to act for you, and not for any life insurance company, fund manager or bank. Specialties: Being focused on providing the strategies, options and advice; not pushing products.