we’re with you every step of the way
ABOUT zeal financial services
Welcome to Zeal Financial Services.
Zeal Financial Services is an experienced financial planning practice offering customised advice that's focused on you, your circumstances and your needs. Our mission is to empower you with clear, personalised financial advice that helps you achieve your goals and live life to the fullest.
We do this through clear, personalised guidance on:
- financial planning
- personal insurance
- retirement and superannuation planning
- cash flow budgeting
- debt management
- borrowing to invest.
Meet Raphael, founder and financial adviser
Zeal Financial Services is led by Raphael Fernandez, a dedicated financial adviser with over 18 years of experience in the financial services industry in Australia. Raphael has worked with a range of clients, from individuals to businesses, helping them navigate complex financial decisions and create strategies that align with their unique needs.
As the owner and financial adviser of Zeal Financial Services, Raphael is passionate about helping his clients make informed, strategic financial choices. He simplifies the complexities of money, creating tailored plans that help clients reduce risk, build wealth and work toward long-term financial security.
Raphael’s qualifications include a Bachelor of Commerce degree, a Graduate Diploma in Financial Planning, and a Graduate Diploma in Business Administration and Management. Raphael is currently completing the final subject for his Certified Financial Planner certification, and he is a member of the Financial Advice Association of Australia.
Zeal Financial:
our philosophy
At Zeal Financial Services, we believe that financial planning is about more than just numbers — it’s about helping you achieve the life you want to live. We take a personalised approach and work closely with you to understand your values, goals and priorities. Whether you’re planning for retirement, managing investments or simply seeking peace of mind, we’re here to help you craft a plan that fits your life.
Raphael’s dedication to his clients is rooted in his own life experiences as a husband, father and business owner. He understands the importance of time, balance, and making the most of every opportunity — and he brings that same understanding to every client relationship.
When he’s not helping clients, Raphael enjoys spending time with his family, playing sport, gardening and reading. His passion for personal growth and lifelong learning drives him to continually enhance his skills and knowledge, ensuring that he’s always ready to support you on your financial journey.
Why choose
Zeal Financial Services?
At Zeal Financial Services, we’re committed to offering advice that’s clear, practical, and tailored to your specific needs. We’re here to help you navigate the complexities of financial planning and build a secure, fulfilling future. Let us help you make confident decisions that align with your aspirations and lead to a brighter tomorrow.
We’d love to partner with you and start working together toward your financial success. Reach out today, and let’s begin the journey.
