Professional planning and advice to help you achieve long-term financial security and make your life goals a reality

Carl Freshwater

Financial Planning And Advisory Services

Starting to plan for your retirement?

Our advice is as individual as you!
A unique and personalised service to help you prioritise your objectives and plan for a prosperous future.

Build a strong financial future for you and your family

Let us help you live your dreams and take control of your money and finances.

Increase your wealth for the future

It’s never too soon to set financial plans, so let us help you make your personal goals a reality!

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Professional planning and advice to help you achieve long-term financial security and make your life goals a reality

Carl Freshwater

Financial Planning And Advisory Services

Starting to plan for your retirement?

Our advice is as individual as you!
A unique and personalised service to help you prioritise your objectives and plan for a prosperous future.

Build a strong financial future for you and your family

Let us help you live your dreams and take control of your money and finances.

Increase your wealth for the future

It’s never too soon to set financial plans, so let us help you make your personal goals a reality!

previous arrow
next arrow
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How can we help you?

At Freshwater Financial Planning we understand that you are trusting us with your financial future, and we feel honoured to be part of your journey. We believe in personalised planning, where you can set and discover your own unique goals for each stage of your life and with professional advice can help make your financial goals a reality.

Personal Risk Planning

All life insurances, income protection, structuring & consolidation. Protect your financial future with the right personal insurances.

Personal Budget Planning & Cash Flow Management

Take control of your costs of living and structure your finances with personal budgeting.

Personal Wealth Creation & Investment Planning

Create a personalised strategy to accumulate wealth and make your financial goals a reality!

Superannuation, Retirement Planning & Self-managed Superannuation

Get in the driving seat to control your future retirement – it’s never too early to start planning!

Estate Planning

Properly mapping out your Estate can ensure a smooth succession on family wealth to the next generation or intended beneficiaries.

Centrelink and Aged Care Planning

Navigating social security services can be challenging; be empowered to understand the potential for you or your family.

Meet Carl Freshwater

Carl has over 15 years’ experience working with clients to meet their financial goals, starting in investment banking before moving to Financial Planning in 2008. He has dedicated himself to becoming a highly qualified financial adviser with qualifications and technical knowledge at the highest level to serve his clients’ needs. Carl is known for his quality and integral advice.

Carl founded Freshwater Financial Planning & Advisory Services Pty Ltd in 2019 and holds the following qualifications:

  • Bachelor of Business (Business Information Systems) from RMIT
  • Advanced Diploma in Financial Services (Financial Planning)
  • Is a CERTIFIED FINANCIAL PLANNER® with the Financial Planning Association
  • Registered Tax (Financial) Adviser with Tax Practitioners Board
  • Accredited Aged Care Professional with Aged Care Steps

What you can expect as a client of Freshwater Financial Planning?

Carl believes knowledge and education is one of the greatest benefits he can provide to his clients, so they can take control of their finances and have long-term security.

Clients of Carl’s can expect to receive education to enhance their financial knowledge and understanding along the journey. He aims to minimise the stress and anxiety, which can often be associated with managing your personal finances. Understanding where you are today and what you want to achieve into the future, then putting in place meaningful planned steps can provide undeniable levels of confidence and certainty, which in turn goes a long way to eliminating stress and anxiety caused by the unknown.

Clients who benefit most from Carl’s advice include those who are time poor, they may have family commitments, business commitments or other priorities to focus their energies on. Life is busy so having the flexibility to outsource financial complexities can soon become a necessary or essential service.

Carl’s aim is to empower clients to make sound financial decisions and enhance their financial outcomes and meet their objectives.

What our Clients have to say