Rising Tide Financial Services

Rising Tide Financial Services holds a 4.9/5 rating across 550 public reviews. The provider consistently scores in the top tier of their category.

Rising Tide Financial Services's pricing falls in the "Contact for quote" range. Exact quotes depend on the specific service and scope — request a free written quote to compare before committing.

Rising Tide Financial Services is primarily based in Melbourne, Australia, and serves clients across Melbourne and surrounding areas. Check with the provider directly for specific service-area coverage.

Our independent ranking of the top financial planner in Australia includes Index Wealth, Sydney Financial Group Pty Ltd, Toro Wealth Financial Advice. Each has different strengths — see our comparison for a side-by-side breakdown.

Initial advice (Statement of Advice): $3,300-$5,500 typical, up to $8,000 for complex situations. Ongoing advice: $3,000-$8,000/year for $500k-$2M households. Hourly: $300-$600/hr. Robo-advice (Stockspot, Six Park): $50-$140/month. Many planners offer free 30-minute initial discovery calls before you commit. Fee structures matter: flat fees are typically better for clients than asset-based fees (which penalise portfolio growth) or commission-based fees (banned for most products since 2014).

Verify on ASIC Financial Adviser Register (moneysmart.gov.au) — every licensed adviser is listed with qualifications, employment history, and any disciplinary action. Look for: CFP (Certified Financial Planner) or higher qualification, independent or non-aligned (not owned by a bank), upfront transparent fees, willingness to walk you through their fee structure, listening to your goals before recommending products. Avoid: anyone who recommends specific products before understanding your situation, "free" advice that's actually commission-based.

Bank planners can be competent but face structural conflicts: limited product approval lists (often only their bank's in-house funds), pressure to meet sales targets, less competitive insurance pricing. Generally fine for: super consolidation, basic insurance review, mortgage-related advice. Independent planners are better for: complex investments, retirement strategy, aged care, estate planning, business owners. Always check the ASIC Financial Adviser Register to verify their qualifications and any past disciplinary actions.