YOUR
TRUSTED
FINANCIAL
ADVISER
Tailored financial planning services,
helping clients across Australia achieve their financial goals
YOUR
TRUSTED
FINANCIAL
ADVISOR
Tailored financial planning services in Melbourne,
helping clients achieve their financial goals
YOUR
TRUSTED
FINANCIAL
ADVISOR
Tailored financial planning services in Melbourne,
helping clients achieve their financial goals
Achieve your life goals with quality advice, expertly tailored to meet your specific financial requirements.
Protect your family’s wealth and income with Life, Disability, Trauma/Critical Illness and Income Protection insurance.
Understand the key decisions you need to make – like superannuation – to achieve the lifestyle you want when you retire.
Minimise borrowing costs by managing and structuring debt or borrowed money effectively.
ZEAL FINANCIAL SERVICES
Your Trusted Financial Advisor, Serving Melbourne and Beyond.
Why choose Zeal for your financial planning?
At Zeal Financial Services, we tailor solutions to fit your specific needs, goals and financial circumstances. Your future deserves better than a one-size-fits-all approach to financial planning!
Our goal is to provide quality advice, service and guidance to meet all your needs, including budgeting, saving, tax, investments, personal insurance, retirement planning and superannuation.
With you every step of the way to ensure that you’re confident and prepared – today, tomorrow and always.
Meet Your Financial Adviser
Raphael Fernandez: here to help you achieve your financial goals
I’m Raphael Fernandez, a licensed financial adviser, experienced business owner and founder of Zeal Financial Services. I hold a Graduate Diploma in Financial Planning (Australia) and a Bachelor’s degree in Commerce, which underpin my commitment to delivering informed, strategic advice.
I believe financial planning should be as unique as you are and tailor-made for you. That’s why I work one-on-one with each client, creating customised strategies that align with their values and goals. I’m all about providing easy-to-understand financial advice that gives you control over your financial future.
Throughout our partnership, I will be available to answer any questions and provide guidance as needed. My goal is to empower you to take control of your finances and work towards a secure financial future.
Who Do We Help?
Personalised Financial Strategies for Individuals and Families
at Every Stage of Life
Retirees
"I am in my 50s, married with two teenage children. I would like to retire by the time I am 65. My partner and I would love to buy a second home near the beach and have enough money to support our children through university. Can you help me create a plan to do this?"
Couples
"We are a couple in our mid 30s with one child, and we both have stable jobs. We dream of travelling the world and taking our family on educational trips every year. We also want to set aside money for our children’s future college expenses. Can you make these dreams a reality by developing a financial plan for us?"
Singles
"I’m in my early 40s, single and working in tech. I want to save for a down payment on my first home in the next five years. Additionally, I’d like to start a retirement fund to ensure I can retire comfortably in my 60s. Can you help me create a plan to achieve these goals?"
See how we've helped people just like you
First Time Investors
Single Professionals
Young Couples
Parents Pre-retirement
What does a financial adviser do?
A financial adviser is your partner in building a secure and fulfilling future. They help you manage your finances with purpose, whether you're planning to buy a home, fund your children's education, grow your investments or prepare for retirement.
But financial planning isn’t a one-time event – it’s a journey. We regularly review and adjust your plan to keep you aligned with your goals as life evolves.
A good financial planner – like Raphael – will empower you through financial education. By helping you understand key concepts and manage risk, we give you the confidence to make informed decisions – so you can take control of your financial future with clarity and peace of mind.
When should I see a financial adviser?
It’s never too late to benefit from financial advice! Specialised guidance is essential for anyone wanting to make informed decisions about their money and achieve their financial goals. Families, established professionals, retirees and even younger adults early in their careers can all gain valuable insights from a consultation with a financial adviser.
At Zeal Financial Services, we specialise in helping clients become retirement-ready. Sure, retirement may sound like a long time away – but it comes around surprisingly quickly. The best way to make sure retirement is everything you’ve dreamed of is to start planning for it early.
We offer a full suite of advisory services to help you grow your superannuation, make sound investments, protect your family and manage your debts and cash flow. Whatever your situation, we will create the right financial plan for you.
What does financial advice cost?
At Zeal Financial Services, we believe that quality financial advice should be accessible to everyone.
The cost of working with licensed financial advisers can vary, often depending on the adviser and the services you need. We offer transparent, flat fees for personalised plans, so you'll know exactly how much you're paying – our tailored advice comes without any hidden costs. Our retirement planning advice fees, for example, start from just $3,000 for singles and $4,000 for couples (excluding GST).
Because we focus on your unique needs, goals and circumstances, financial advice from Zeal Financial Services is an investment in your future that can lead to significant long-term benefits. And your future is worth it!
Schedule your consultation today and take the first step towards financial clarity.
In-person consultations
Zeal Financial Services offers in-person consultations in Melbourne to help you navigate your personal financial journey.
Virtual consultations
We also offer virtual consultations via Zoom or Teams, so you can receive expert advice at a location convenient for you.
Our Process
A Collaborative and Transparent Approach to Your Financial Journey
At Zeal Financial Services, we understand that managing your finances can feel overwhelming – especially as your career or business grows. That’s why we’re here: to simplify financial planning and make it worry-free.
We know you work hard for your money, so we work just as hard to help you manage it effectively and plan for the future. Our approach is personal, strategic and ongoing – tailored to your unique needs and goals.
Our 3-step approach is:
Complimentary consultation
Broad strategy
Statement of Advice
Why Zeal?
Personalised Approach
Zeal Financial Services tailors strategies to your unique financial situation, ensuring you receive the guidance that best fits your goals.
Holistic Financial Planning
We provide comprehensive services that cover all aspects of your financial life, from retirement to investment strategies.
Experienced Guidance
As a certified independent advisor, Zeal Financial Services brings expertise and integrity to help you make informed financial decisions tailored to your unique situation.
Discovery Centre
Retirement calculator
This calculator helps you work out what income you are likely to have from super and the age pension when you retire.
Pension Calculator
This calculator is useful for people less than 2 years away from retirement or in retirement. It helps you work out how long your super pension will last.
Super calculator
This calculator helps you work out how much super you will have when you retire and how fees affect your final payout.
Budget planner
This budget planner enables you to work out where your money is going and to better manage your finances.
Customer testimonials
Read what clients are saying about Zeal Financial Services
Don't waste another day.
When you reach out to Zeal Financial Services, you can expect to:
- gain personalised financial insights tailored to your goals
- receive expert guidance on wealth-building strategies
- establish a clear path towards a secure financial future.