Retirement planning
Strategies to help you retire on your terms and stay retired — with confidence in the numbers.
Certified Financial Planner® · Australia
Plan, grow, prosper.
Planning for Financial Independence — clear, considered advice for Australians at every stage of life.
About FI Advice
Clarity, confidence and direction.
At FI Advice, we help you plan for Financial Independence — whatever that means to you. Whether it's retiring on your terms, spending more time with the people you love, or simply having the freedom to say yes to what matters.
We believe great advice is more than just numbers; it's about clarity, confidence and direction. Our role is to help you make smarter financial decisions today so you can live the life you want tomorrow.
15+
Years of advice experience
CFP
Certified Financial Planner®
100%
Considered, fee-based advice
Meet your adviser
Led by Troy Hart, CFP®
Troy is a Certified Financial Planner® with extensive experience across all facets of advice — from retirement and superannuation strategy to investment, cash flow and estate planning.
Our team combines technical expertise with a genuine passion for helping clients achieve lasting financial wellbeing. We take the time to understand your goals, explain the choices clearly, and walk with you as life changes.
Certified Financial Planner®Retirement SpecialistFee-based Advice
Our process
Six steps to a plan you can trust.
A calm, structured process built on decades of best practice — designed so you always know where you are and what comes next.
- 01
Identify your needs & objectives
We start with what matters most to you — the life you want and the questions keeping you up at night.
- 02
Gather your information
A clear, considered look at your finances, super, investments, insurance and family circumstances.
- 03
Analyse & develop your plan
We model the numbers and design a strategy tailored to your goals, risk profile and timeframe.
- 04
Plan presentation & delivery
We walk you through the plan in plain English — no jargon, no pressure, just clarity.
- 05
Implement your plan
We take care of the paperwork and coordination so your strategy moves from paper to reality.
- 06
Review & update
Life changes. We review regularly so your plan keeps pace with you, the markets and legislation.
Our services
Advice across every stage of your financial life.
Whether you're building wealth, approaching retirement, or already there, we bring technical depth and a plain-English approach to each area of your plan.
Investment planning
Portfolios built for long-term returns, aligned with your goals and tolerance for risk.
Superannuation strategy
Contribution strategies, consolidation and structure advice to make the most of super.
Cash flow & budgeting
Clear visibility over what's coming in, going out and being put to work for your future.
Personal insurance
Life, TPD, income and trauma cover — right-sized to protect what you're building.
Estate planning
Coordinated advice with your solicitor to ensure your wishes are followed and your family cared for.
Testimonials
Clients we're proud to walk beside.
“We've been working with Troy for a number of years now, and he has been an invaluable part of our financial journey. From the very beginning, Troy took the time to understand our goals and priorities, and he's provided expert guidance every step of the way.”
Verified client
Adviser Ratings review
“We have been a client of Troy Hart since 2021. Troy has assisted us with our investment planning and retirement expectations in a very professional manner while at the same time putting us totally at ease.”
Verified client
Adviser Ratings review
“It has been my pleasure to have engaged Troy for a number of years. His professionalism, skill set and advice is second to none. He gives clear and concise information with a clear agenda.”
Verified client
Adviser Ratings review
Let's start with a conversation.
The first meeting is complimentary, obligation-free, and entirely focused on you. We'll listen, ask the right questions and let you know how we can help.