Carl founded Freshwater Financial Planning & Advisory Services Pty Ltd in 2019. He holds a Bachelor of Business (Business Information Systems) from RMIT, an Advanced Diploma in Financial Services (Financial Planning) and is a CERTIFIED FINANCIAL PLANNER® with the Financial Planning Association.

Carl has completed specialist courses in Self-Managed Superannuation Funds with Kaplan Professional and is an Accredited Age Care Professional™ with Age Care Steps.

We can help you with the following:

• Budgeting and cash flow management
• Investing in managed funds
• Personal insurance (life cover, disability, income protection, trauma & Key Man)
• Superannuation strategies, including Self-Managed Superannuation Funds (SMSFs)
• Strategic asset allocation
• Retirement planning (retirement income streams, including pensions & annuities)
• Estate planning
• Centrelink and other government benefits
• Age Care planning
• Ongoing advice and services, including regular portfolio reviews