Let’s bust the myth- You Don’t Need to Be Rich to See a Financial Adviser
One of the biggest misconceptions we hear is that you need to have a large amount of money before seeing a financial adviser. The truth is, financial advice isn’t just for the wealthy — it’s for anyone who wants to make confident, informed decisions about their future.
We enjoy working with clients from all walks of life. Whether you’re working on your budget, planning for retirement, navigating Centrelink, or just trying to make sense of your Super, financial advice is about clarity, not complexity.
There are many ways a Financial Adviser can support their clients that don’t involve being wealthy to start with:
1) Helping You Make Decisions — Not Just Investments
Our Senior Adviser, Tim Moore, draws on more than two decades of experience helping clients make important life and financial decisions. Many people feel overwhelmed about where to start, and that’s completely normal. Through personalised, targeted discussions, Tim uses his knowledge and genuine care to help clients make confident decisions — with a trusted professional by their side.
2) Navigating Centrelink and Government Entitlements
Understanding how Centrelink and other government benefits fit into your overall plan can be complex. A Financial Adviser can help ensure you’re accessing the right entitlements and structure your assets in a way that supports your goals.
3) Making Sense of Super and Tax
Superannuation can be one of the most effective ways to build wealth for retirement — but it’s also one of the most misunderstood. Advisers play an important role in helping clients understand the rules, the taxation benefits, and the opportunities available within the system.
4) Building Financial Confidence and budgeting with clarity
Financial literacy and money wisdom don’t come naturally to everyone. A good adviser provides guidance and practical support to help you manage your budget, plan your cash flow, and make the most of what you have — no matter your starting point.
5) Protecting What Matters Most
Insurance isn’t the most exciting topic, but it’s one of the most important. Having the right protection in place provides peace of mind for you and your family. We help clients navigate the complex world of insurance, ensuring they’re covered appropriately without paying for things they don’t need.
It’s All Connected
Financial advice isn’t just about one topic — it’s about how all the pieces fit together. A conversation about superannuation might lead into taxation, which then connects to Centrelink or insurance. Our role is to bring everything together, so your financial decisions make sense as part of a bigger picture.
At Moore Financial Advice, we believe everyone deserves access to professional guidance — not just those with significant wealth. If you’ve ever wondered whether financial advice could make a difference in your life, the answer is almost always yes.
It’s not about how much you have — it’s about making the most of what you’ve got.