You Could be only one conversation away from uncovering opportunities That May Be worth $10,000s^
Answer a few questions to see how we can help you pay less tax, generate more retirement income, invest with greater confidence, and enjoy the retirement lifestyle you've worked hard for.
Click Below To Watch First!
Next step: Answer a Few Questions To Tailor Your Complimentary 30-minute Retirement Ready Session
7 Step Framework | 30-Day Financial Advice Guarantee | 4.97 Client Rating - Adviser Ratings |
250+ Years Combined Experience
You Could be only one conversation away from uncovering opportunities May Be worth $10,000s
Answer a few questions to see how we can help you pay less tax, generate more retirement income, invest with greater confidence, and enjoy the retirement lifestyle you've worked hard for.
Click Below To Watch First
Next step: Answer a Few Questions To Tailor Your Complimentary 30-minute Retirement Ready Session
7 Step Framework | 30-Day Financial Advice
Guarantee | 4.97 Client Rating - Adviser Ratings |
250+ Years Combined Experience
Recognised by Financial Standard as one of Australia’s Top 50 most influential advisers – out of ~15,000 advisers in 2021, 2022, 2024 & 2025.

I regularly appear on the Live TV show ‘The Advisory’ and I am quoted in leading financial publications such as the Australian Financial Review (AFR) and Money Management.

I help high-net-worth professionals plan and fund the retirement lifestyle they can enjoy.

Followed by 30,000+ professionals on LinkedIn, connecting with me for insights on planning a confident retirement.
Recognised by Financial Standard as one of Australia’s Top 50 most influential advisers – out of ~15,000 advisers in 2021, 2022, 2024 & 2025.

I regularly appear on the Live TV show ‘The Advisory’ and I am quoted in leading financial publications such as the Australian Financial Review (AFR) and Money Management.

I help high-net-worth professionals plan and fund the retirement lifestyle they can enjoy.

Followed by 30,000+ professionals on LinkedIn, connecting with me for insights on planning a confident retirement.
7 Step Framework | 30-Day Financial Advice Guarantee | 4.97 Client Rating - Adviser Ratings |
250+ Years Combined Experience
7 Step Framework | 30-Day Financial Advice
Guarantee | 4.97 Client Rating - Adviser Ratings |
250+ Years Combined Experience
You have $1 million or more in super and investments.
You are planning to retire within the next 5 years.
Or, you have received (or expect to receive) an inheritance.
You simply want confidence that no important financial opportunities have been missed.
If we're both comfortable there's a good fit, we can discuss the next steps. If not, that's perfectly fine.
7 Step Framework | 30-Day Financial Advice Guarantee | 4.97 Client Rating - Adviser Ratings |
250+ Years Combined Experience
You have $1 million or more in super and investments.
You are planning to retire within the next 5 years.
Or, you have received (or expect to receive) an inheritance.
You simply want confidence that no important financial opportunities have been missed.
If we're both comfortable there's a good fit, we can discuss the next steps. If not, that's perfectly fine.
7 Step Framework | 30-Day Financial Advice
Guarantee | 4.97 Client Rating - Adviser Ratings |
250+ Years Combined Experience
Tailored
Financial Advice
Personalised advice tailored to your goals, family, tax position and retirement plans.
7 Step Retirement Framework
A structured process designed to help ensure no important retirement opportunities are overlooked.
30-Day Financial Advice Guarantee
Proceed with confidence knowing your advice must deliver value or fees are refunded.
End-to-end Implementation and Administration
With your authority, we handle paperwork and implementation to save time and hassle.
Ongoing access to your
financial adviser
Receive ongoing advice from someone who knows you and your situation as markets and rules change.
Your investments remain in your own name or entity
Maintain ownership, control and transparency over your wealth while receiving advice.
7 Step Framework | 30-Day Financial Advice Guarantee | 4.97 Client Rating - Adviser Ratings |
250+ Years Combined Experience
Tailored
Financial Advice
Personalised advice tailored to your goals, family, tax position and retirement plans.
7 Step Retirement Framework
A structured process designed to help ensure no important retirement opportunities are overlooked.
30-Day Financial Advice Guarantee
Proceed with confidence knowing your advice must deliver value or fees are refunded.
End-to-end Implementation and Administration
With your authority, we handle paperwork and implementation to save time and hassle.
Ongoing access to your
financial adviser
Receive ongoing advice from someone who knows you and your situation as markets and rules change.
Your investments remain in your own name or entity
Maintain ownership, control and transparency over your wealth while receiving advice.
7 Step Framework | 30-Day Financial Advice
Guarantee | 4.97 Client Rating - Adviser Ratings |
250+ Years Combined Experience
Have a peace of mind with complexity removed.
Gain confidence with personalised strategies.
Create wealth to enjoy.
Lifestyle
Have a peace of mind with complexity removed.
Gain confidence with personalised strategies.
Create wealth to enjoy.
Lifestyle
Prepare for major life events like retirement, travel, downsizing, inheritances, renovations and supporting family, helping you manage change while maintaining your desired lifestyle today.
Create a tax-free retirement income stream designed to last, generating sustainable income that supports your lifestyle while helping build wealth before and throughout retirement too.
Reduce income and capital gains tax now and into the future through effective strategies that help preserve wealth, improve cash flow and support long-term financial security ahead.
Distinguish between ‘good’ debt from ‘bad’ and employ optimal debt management strategies. This includes evaluating interest costs and debt reduction versus making superannuation contributions.
Align investments with your goals and risk tolerance using research-backed strategies and regular reviews to support performance and manage risk through changing markets over time.
Protect family wealth from personal, legal or business risks through asset protection strategies, with plans to support financial security during illness, injury or income loss too.
Plan for gifting to family or charities and creating a lasting inheritance, ensuring your assets are distributed according to your wishes and intended beneficiaries over time.
7 Step Framework | 30-Day Financial Advice Guarantee | 4.97 Client Rating - Adviser Ratings |
250+ Years Combined Experience
Prepare for major life events like retirement, travel, downsizing, inheritances, renovations and supporting family, helping you manage change while maintaining your desired lifestyle today.
Create a tax-free retirement income stream designed to last, generating sustainable income that supports your lifestyle while helping build wealth before
and throughout retirement too.
Reduce income and capital gains tax now and into the future through effective strategies that help preserve wealth, improve cash flow and support long-term
financial security ahead.
Distinguish between ‘good’ debt from ‘bad’ and employ optimal debt management strategies. This includes evaluating interest costs and debt reduction versus making superannuation contributions.
Align investments with your goals and risk tolerance using research-backed strategies and regular reviews to support performance and manage risk through
changing markets over time.
Protect family wealth from personal, legal or business risks through asset protection strategies, with plans to support financial security during illness, injury or income loss too.
Plan for gifting to family or charities and creating a lasting inheritance, ensuring your assets are distributed according to your wishes and intended beneficiaries over time.
7 Step Framework | 30-Day Financial Advice
Guarantee | 4.97 Client Rating - Adviser Ratings |
250+ Years Combined Experience

You'll speak directly with a qualified financial adviser—not a salesperson. During the call we will:
Understand your goals.
Identify potential opportunities and risks.
Explain how our advice process works.
Answer your questions.
You'll speak directly with a qualified financial adviser—not a salesperson. During the call we will:
Understand your goals.
Identify potential opportunities and risks.
Explain how our advice process works.
Answer your questions.
Step 1
Book Your Call
Choose a convenient time to speak
with one of our experienced financial advisers.
Step 2
Meet With Your Adviser
In a complimentary 20–30-minute consultation, we'll discuss your goals and identify potential opportunities.
Step 3
Explore Your Next Steps
If we believe we can add value, we'll explain what working together would look like. There is absolutely no obligation to proceed.
Every financial adviser is supported by a team with over 250 years of combined financial advice experience - giving you the confidence
that every important opportunity has been considered.
Step 1
Book Your Call
Choose a convenient time to speak
with one of our experienced financial advisers.
Step 2
Meet With Your Adviser
In a complimentary 20–30-minute consultation, we'll discuss your goals and identify potential opportunities.
Step 3
Explore Your Next Steps
If we believe we can add value, we'll explain what working together would look like. There is absolutely no obligation to proceed.
Every financial adviser is supported by a team with over 250 years of combined financial advice experience - giving you the confidence
that every important opportunity has been considered.
If, after your initial meeting, you decide to proceed with personalised financial advice,
you can do so with confidence.
If within 30 days, you decide not to proceed and do not believe you have received value, we will refund the costs associated with preparing and presenting your initial advice.
All so you can focus less on financial uncertainty and more on a great retirement lifestyle.
Proven 7 Step Framework | Financial Advice Guarantee | 4.97 Client Rating - Adviser Ratings |
250+ Years Combined Experience
If, after your initial meeting, you decide to proceed with personalised financial advice,
you can do so with confidence.
If within 30 days, you decide not to proceed and do not believe you have received value, we will refund the costs associated with preparing and presenting your initial advice.
All so you can focus less on financial uncertainty and more on a great retirement lifestyle.
Proven 7 Step Framework | Financial Advice
Guarantee | 4.97 Client Rating - Adviser Ratings |
250+ Years Combined Experience
Helping Australians retire with confidence for over 26 years.
Founder of Freshwater Wealth, Roger has helped hundreds of successful Australians prepare for retirement through personalised financial advice.
Recognised as:
Top 50 Financial Adviser (2021, 2022, 2024 & 2025)
Regular TV contributor on AusBiz
Featured in Australia's leading financial media
Former Westpac No. 1 Financial Adviser
Experiences
20% interest rates in the 1990s
High inflation and seeing petrol prices go from 9 cents a litre to over $2 per litre.
Share market corrections - Asian Crisis, September 11, Global Financial Crisis (GFC) and the COVID Correction.
Assisted clients through decades of growth from 1999 to now, where the US Share market has increased 668% and the Australian share market has increased 408%.
Authorized Representative Number: 1002667
7 Step Framework | 30-Day Financial Advice Guarantee | 4.97 Client Rating - Adviser Ratings |
250+ Years Combined Experience

Helping Australians retire with confidence
for over 26 years.
Founder of Freshwater Wealth, Roger has helped hundreds of successful Australians prepare for retirement through personalised financial advice.
Recognised as:
Top 50 Financial Adviser (2021, 2022, 2024 & 2025)
Regular TV contributor on AusBiz
Featured in Australia's leading financial media
Former Westpac No. 1 Financial Adviser
Experiences
20% interest rates in the 1990s
High inflation and seeing petrol prices go from 9 cents a litre to over $2 per litre.
Share market corrections - Asian Crisis, September 11, Global Financial Crisis (GFC) and the COVID Correction.
Assisted clients through decades of growth from 1999 to now, where the US Share market has increased 668% and the Australian share market has increased 408%.
Authorized Representative Number: 1002667
0412 004 665
7 Step Framework | 30-Day Financial Advice
Guarantee | 4.97 Client Rating - Adviser Ratings |
250+ Years Combined Experience
Nothing.
Your initial consultation is complimentary and there is no obligation to proceed.
You'll meet directly with a qualified Financial Adviser—not a salesperson.
The purpose of the meeting is to understand your goals, answer your questions and determine whether we can genuinely help you achieve a better retirement outcome.
Approximately 30 minutes.
The meeting can be held by phone, Zoom or Microsoft Teams.
We'll discuss your current financial position, your retirement goals and any questions you may have.
We'll also identify potential opportunities to improve your retirement income, reduce tax, optimise your investments and help ensure no important financial opportunities have been missed.
No preparation is required.
However, having a recent superannuation or investment statement available can be helpful, as it allows us to provide more meaningful guidance during the discussion.
This meeting is designed for Australians approaching or in retirement with approximately $1 million or more in superannuation and investments, or those expecting to reach this level through an inheritance or business sale.
The initial meeting is designed to understand your circumstances and determine whether we can help.
If personalised financial advice is appropriate, we'll explain our advice process, the expected costs and the next steps before any work begins.
Our financial advisers specialise in helping successful Australians prepare for retirement.
Every adviser follows our proven 7 Step Retirement Framework and is supported by a team with over 250 years of combined financial advice experience, helping ensure every important financial opportunity is considered.
If we believe we can add value, we'll explain exactly how we would work together, the expected costs and what you can expect from the advice process.
If we're not the right fit, we'll let you know. There is absolutely no obligation to proceed.
Our mission is to help you create far more wealth, value and security, than the cost of our advice.
Every client is different, so the cost depends on the complexity of your situation and the amount of funds you would like us to manage.
During the initial consultation, we'll explain our fee structure, answer any questions and provide a clear indication of the expected costs before you decide whether to proceed.
7 Step Framework | 30-Day Financial Advice Guarantee | 4.97 Client Rating - Adviser Ratings |
250+ Years Combined Experience
Nothing.
Your initial consultation is complimentary and there is no obligation to proceed.
You'll meet directly with a qualified Financial Adviser—not a salesperson.
The purpose of the meeting is to understand your goals, answer your questions and determine whether we can genuinely help you achieve a better retirement outcome.
Approximately 30 minutes.
The meeting can be held by phone, Zoom or Microsoft Teams.
We'll discuss your current financial position, your retirement goals and any questions you may have.
We'll also identify potential opportunities to improve your retirement income, reduce tax, optimise your investments and help ensure no important financial opportunities have been missed.
No preparation is required.
However, having a recent superannuation or investment statement available can be helpful, as it allows us to provide more meaningful guidance during the discussion.
This meeting is designed for Australians approaching or in retirement with approximately $1 million or more in superannuation and investments, or those expecting to reach this level through an inheritance or business sale.
The initial meeting is designed to understand your circumstances and determine whether we can help.
If personalised financial advice is appropriate, we'll explain our advice process, the expected costs and the next steps before any work begins.
Our financial advisers specialise in helping successful Australians prepare for retirement.
Every adviser follows our proven 7 Step Retirement Framework and is supported by a team with over 250 years of combined financial advice experience, helping ensure every important financial opportunity is considered.
If we believe we can add value, we'll explain exactly how we would work together, the expected costs and what you can expect from the advice process.
If we're not the right fit, we'll let you know. There is absolutely no obligation to proceed.
Our mission is to help you create far more wealth, value and security, than the cost of our advice.
Every client is different, so the cost depends on the complexity of your situation and the amount of funds you would like us to manage.
During the initial consultation, we'll explain our fee structure, answer any questions and provide a clear indication of the expected costs before you decide whether to proceed.
7 Step Framework | 30-Day Financial Advice
Guarantee | 4.97 Client Rating - Adviser Ratings |
250+ Years Combined Experience
Answer three quick questions so we can prepare for your conversation.
Answer three quick questions so we can prepare
for your conversation.

© Copyright | www.retirewithroger.com.au
© Copyright | www.retirewithroger.com.au