What Oxlade Financial does

Oxlade Financial Pty Ltd is a privately held, fee-for-service independent financial advisory firm headquartered in Newstead, Brisbane, Australia, founded in 2022 by Mark O'Flynn and Emma O'Flynn. The firm operates under its own Australian Financial Services Licence (AFSL 535456) and is part of the roughly 2% of Australian advisers declared independent — explicitly unaffiliated with banks, institutions, or product providers and receiving no commissions, transactional fees, or product-based incentives.

Its core offering is a unified, full-stack advisory suite spanning financial planning, investment advisory, cash flow management, superannuation and SMSF strategy, tax minimisation, personal insurance, retirement and estate planning, and property advice, supplemented by an ongoing 'sounding board' service. Delivery is high-touch and relationship-driven: each adviser is capped at 100 clients, the firm reports 96% year-on-year client retention, and service is available in-person at the Brisbane office or online Australia-wide.

The commercial model is straightforward fee-for-service, with annual fees set per client based on the scope of work required and billed annually; no tiers, AUM percentages, or commissions are publicly disclosed. The customer base is concentrated in four named vertical segments — medical professionals, small-to-medium business owners, busy executives, and retirees/pre-retirees — and growth has been supported by an expanding bench of six qualified advisers plus associates, multiple FS Power50 and FAAA recognitions between 2023 and 2025, and content-driven lead generation via a downloadable guide, LinkedIn, client video testimonials, and Calendly-based introductory calls.

Name

Oxlade Financial

Legal name

Oxlade Financial Pty Ltd

Website

https://oxlade.com.au

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Oxlade Financial is a Brisbane-based, fee-for-service independent financial advisory firm (AFSL 535456) serving Australian medical professionals, SMB owners, executives and retirees with holistic financial planning, investment, SMSF, tax, insurance, retirement and estate advice.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Fee-Based Advisory (FSAEAAAM)

akta.pro secondary industries

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF), Budgeting & Cash-Flow Management (FSAGADAA)

Keywords

• Independent financial advice
• Financial planning services
• Wealth management advice
• Retirement planning services
• Investment advisory services

Headquarters

HQ city

Newstead

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, Others

Revenue model

1. Fee-for-Service Financial Advice: Fixed annual fee based on the work required to manage client affairs. This is the only form of remuneration. No commissions, transactional fees, or product-based incentives.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Oxlade Financial is a fee-for-service independent financial advisory firm providing customised, comprehensive financial planning and investment management advice to individuals across Australia. Its core offering spans financial planning, investment advisory, cash flow management, superannuation/SMSF advice, tax minimisation, personal insurance, retirement planning, estate planning, and property advice, delivered through a 'hub' model that integrates with clients' other advisers (accountants, lawyers). Services are delivered by dedicated advisers with a maximum caseload of 100 clients per adviser and are billed as a fixed annual fee based on the work required to manage client affairs.

Product overview

Oxlade Financial is a fee-for-service independent financial advice firm offering a unified suite of advisory services rather than a modular software product. Their core offering comprises financial planning strategy, investment advisory, cash flow management, superannuation and SMSF advice, tax minimisation, personal insurance, retirement planning, estate planning coordination, and property advice. These services are delivered through dedicated advisers and are coordinated through a 'hub' approach that integrates with clients' other advisers (accountants, lawyers) to provide cohesive financial management.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive big-picture financial strategy development considering investments, property, businesses, debt, superannuation and budgeting to provide clarity for clients. Delivered to individuals and families seeking tailored financial guidance.
• Investment Advisory Structured investment approach that considers client risk and investment preferences, allowing clients to benefit from market cycles without relying on forecasts. Delivered to individuals seeking ongoing investment management.
• Cash Flow Utilisation Management of cash flow allocation to ensure surplus funds are directed appropriately considering investment opportunities, debt and tax efficiency. Delivered to individuals seeking to optimise their cash position.
• Superannuation & SMSF Advice Superannuation contribution, investment, and withdrawal strategy advice to maximise wealth within tax-advantaged super structures. Delivered to individuals and SMSF trustees.
• Tax Minimisation Investment structuring advice to optimise after-tax returns and minimise tax liabilities and risks within portfolios. Delivered to individuals with taxable investment portfolios.
• Personal Insurance Life, TPD and income protection insurance assessment and advice, balancing required cover with cost considerations. Delivered to individuals and families seeking risk protection.
• Retirement Planning Financial independence planning to help clients achieve the option to do what they want in life, when they want, regardless of work status. Delivered to pre-retirees and retirees.
• Estate Planning Financial aspects of estate planning coordination and project management to protect beneficiaries. Delivered to individuals and families concerned with succession and inheritance.
• Property Advice Residential and commercial investment property advice covering cash flow, debt and tax considerations to support overarching financial plans. Delivered to individuals considering property investment.
• Sounding Board Service Ongoing advisory support for clients to sense check financial decisions, opportunities and concerns as they arise. Delivered to existing clients of the firm.

Quantifiable outcome

• 96% client retention rate year on year
• +2 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Atlas Wealth Management: Boutique Australian independent financial adviser offering fee-for-service financial planning and investment advice. Comparable in size, structure, and target market to Oxlade, with similar focus on independent advice for mass-affluent clients.
• Sequoia Financial Group: ASX-listed Australian independent financial advice and wealth management firm operating a fee-based model with multiple advisers. Directly comparable to Oxlade in target market (mass-affluent Australians), service offering (comprehensive financial planning, investment advice, SMSF), and fee-for-service revenue structure.
• Capstone Financial Planning: Australian boutique financial advisory firm offering independent, fee-based financial planning, investment, and superannuation advice. Comparable to Oxlade in service mix, fee-only model, and client focus on professionals and pre-retirees.
• Escala Partners: Australian boutique wealth advisory firm providing independent financial advice to high-net-worth individuals and professionals. Directly comparable in boutique positioning, fee-based model, and target segment of busy professionals and business owners.
• Prosperity Wealth Management: Australian independent financial advisory firm providing fee-for-service advice to individuals and small business owners across wealth accumulation, retirement, and SMSF. Closely comparable to Oxlade in boutique positioning, fee-only model, and client segment focus.

Broad incumbents

• Perpetual Limited: Established Australian wealth management, asset management, and financial advice provider. Comparable in portfolio management and investment advice but operates as a large incumbent across institutional and retail channels, rather than a boutique independent adviser.
• AMP Limited (AMP Advice): One of Australia's largest financial services groups offering financial advice, wealth management, and superannuation. Comparable to Oxlade in core financial advice offering but operates at massive scale with bank-aligned (non-independent) advisers across multiple channels.
• Insignia Financial (formerly IOOF): Large Australian wealth management group providing financial advice, superannuation, and investment platforms. Comparable in advice services but operates a vertically integrated platform model across multiple brands, contrasting with Oxlade's boutique independent positioning.

Regional players

• Morgans Financial: Australian wealth advisory and stockbroking firm primarily serving Queensland and eastern-state clients with comprehensive financial planning, investment, and superannuation advice. Comparable in target geography (Brisbane-headquartered) and service offering to Oxlade, though operating at larger scale with broking and corporate advisory adjacencies.

Others

• Pitcher Partners: Australian accounting, business advisory, and wealth management network offering financial planning to individuals and business owners. Comparable in serving busy professionals and SMB owners with holistic advice needs, though primarily an accounting firm with wealth management as an adjacent service rather than a pure-play independent adviser.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/oxlade-financial

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

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 Oxlade Financial