TIPS Financial Services

What TIPS Financial Services does

TIPS Financial Services (legal entity: Yenbase Pty Ltd) is a Western Australian financial advisory firm founded in 1989 as 'Teachers Investment Planning Services' to provide financial advice to teachers and government employees. Operating from a single office at 9 Roberts Street West, Osborne Park, the firm now serves teachers and government employees, their families, and the wider general community across all life stages. It is structured as an authorised representative of TIPS Polaris Pty Ltd (ABN 39 660 853 485, AFSL 542326), which holds the Australian Financial Services Licence under which advice is delivered; no external investors or private equity backers are identified in available sources.

The firm's core offering is a six-service suite: superannuation advice (with specialist knowledge of all GESB superannuation schemes and West Australian government payroll systems), insurance evaluation, debt management, retirement planning, estate planning, and aged care financial guidance. Advisors deliver bespoke, step-by-step financial strategies through scheduled consultations (in-person or by phone) and ongoing accountability partnerships. Distribution is entirely direct-to-client with no third-party channels; the firm supplements referrals with content marketing via its Insights blog (republishing material from Vanguard, ASIC's MoneySmart, Conversation, and NAB) and an active Facebook page and client newsletter.

The business model is predominantly fee-for-service, charging for advice ranging from simple engagements to comprehensive financial planning; insurance products are the sole commission-based remuneration stream. Revenue is not publicly disclosed. The firm has no proprietary technology platform, no AI/ML capabilities, no app, no API, and no disclosed patents, awards, or strategic partnerships — the offering is a traditional, relationship-driven advisory practice.

Name

TIPS Financial Services

Legal name

Yenbase Pty Ltd

Website

https://tipsfs.com.au

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

TIPS Financial Services is a Perth-based, fee-for-service financial advisory firm founded in 1989, specializing in superannuation, retirement, insurance, estate, and aged-care advice for teachers, government employees, and the broader Western Australian community.

Ownership category

akta.pro rank

Headquarters

HQ city

Perth

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Fee for Service Financial Advice: The company operates primarily as a fee-for-service financial advisory business, charging competitive fees for financial advice services ranging from simple advice to comprehensive financial planning.
2. Insurance Commissions: Insurance products provide a commission-based remuneration component, representing the only commission-based revenue stream alongside the predominantly fee-for-service model.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

TIPS Financial Services provides personalised fee-for-service financial advice to individual clients, primarily teachers, government employees, their families, and general community members in Western Australia. The firm delivers a unified suite of six core advisory services — superannuation, insurance evaluation, debt management, retirement planning, estate planning, and aged care guidance — with specialist expertise in GESB superannuation schemes and West Australian government payroll systems.

Product overview

TIPS Financial Services is a fee-for-service financial advisory firm offering a unified suite of six core financial planning services. The company specializes in superannuation (with deep expertise in GESB schemes and West Australian government payroll systems), insurance evaluation, debt management, retirement planning, estate planning, and aged care services. The integrated approach allows advisors to develop tailored step-by-step financial strategies covering all aspects of wealth management, from initial setup through retirement and legacy planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Superannuation Services

Quantifiable outcome

• Clients achieve full Age Pension eligibility while maintaining or increasing net income in retirement
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Capstone Financial Planning: Fee-for-service Australian financial planning firm delivering comprehensive superannuation, investment, and retirement advice to individuals and families, highly comparable in service mix and target client profile.
• Shadforth Financial Group: Australian financial advisory firm offering superannuation, retirement, and wealth planning services to individuals, directly comparable to TIPS's fee-for-service advice model targeting professionals and government-adjacent segments.
• Godfrey Pembroke: Independent Australian financial advisory group providing personalized advice on superannuation, retirement, and wealth protection to individuals, mirroring TIPS's holistic planning approach and fee-based structure.
• Affinia Financial Advisers: Australian financial advice licensee supporting a network of independent financial advisors; comparable to TIPS in serving individuals with superannuation, retirement, and wealth planning advice through a personalized advisory relationship.
• Stanford Brown: Australian boutique wealth advisory firm providing financial planning, superannuation, and retirement advice to professionals and high-net-worth individuals, with a similar fee-based and advisor-led delivery model.

Broad incumbents

• BT Financial Group (Westpac): Westpac-owned wealth brand providing financial advice, superannuation, and investment solutions to Australian retail customers; broad incumbent serving a similar end-client demographic to TIPS.
• IOOF/Insignia Financial: Large Australian wealth management group offering financial advice, superannuation, and investment platforms; a broad incumbent in the same advice category as TIPS but serving a much wider client base and product portfolio.
• Perpetual Limited: Established Australian wealth and trustee services provider offering investment management, superannuation, and financial advice; comparable as a broad incumbent in the financial advisory category relevant to TIPS's client base.
• AMP Financial Planning: Major Australian financial services group providing advice, superannuation, banking, and investment products; operates in the same retail financial advisory space as TIPS but at materially greater scale and product breadth.

Emerging players

• MoneyBrilliant: Australian digital financial planning and budgeting platform; represents an emerging, tech-enabled channel targeting similar life-stage financial planning needs that could compete with or complement traditional advisory firms like TIPS.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Customer concentration

• Facebookfacebook.com/TIPSFinancialServices
• LinkedInlinkedin.com/company/tips-financial-services

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TIPS Financial Services