What Calm Wealth does

Calm Wealth Management Pty Ltd is a privately held Australian financial advisory firm headquartered at Level 3, 400 King William Street in Adelaide, South Australia, operating as an Authorised Representative of Consultum Financial Advisers Pty Ltd under Australian Financial Services Licence 230323. The firm, which traces its operating history to 2002 under the former Bridges/Bridges Adelaide brand, delivers personalised financial planning across four core service areas: Wealth Creation (investment strategy), Retirement Planning (superannuation strategies and Centrelink navigation), Risk Insurance (life, TPD, trauma, and income protection), and Self-Managed Superannuation Fund (SMSF) advisory and administration. It serves individual clients in or approaching retirement, SMSF trustees, wealth accumulators, and families seeking risk protection, with operations restricted to South Australia.

The firm operates a six-step advisory methodology (complimentary consultation, information gathering, opportunity discussion, Statement of Advice preparation, implementation, and ongoing reviews) and charges fees on a fee-for-service basis agreed in advance with no hidden fees. Revenue is professional services-based, derived from financial planning fees across the four service areas. Distribution is predominantly direct and face-to-face from the Adelaide CBD office, supplemented by website content marketing and referrals via the Consultum network. The firm has no proprietary technology platform; service delivery is adviser-led and paper/portal-supported via a Knowledge Centre and Wealth Central client resource hub.

The eight-person team comprises five senior advisers — Chad Appleby (Principal), Andrew Goodhand, Leah Palazzo, Matthew Schutz, and Domenic Gullifa — each holding Certified Financial Planner credentials and Financial Advice Association Australia memberships, with industry tenure dating to 1999. Three Client Services personnel (Alison Foxford, Patsy Gardner, and Katrina Marsh, the last hired in July 2023) handle client enquiries, processing, and trade execution. The firm is privately owned by its principals, has no external venture capital or private equity backing, and operates as a regional Adelaide-only practice.

Name

Calm Wealth

Legal name

Calm Wealth Management Pty Ltd

Website

https://calmwealth.com.au

Company type

Private

Founded year

2002

Operating status

Operating

Short description

Calm Wealth is a privately held Adelaide-based financial advisory firm offering wealth creation, retirement planning, risk insurance, and SMSF advisory services to individual clients across South Australia through a fee-for-service model delivered by five senior CFP-credentialed advisers.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industries

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Financial planning services
• Retirement planning advice
• Wealth management advisory
• Self-managed superannuation funds
• Risk insurance advice

Headquarters

HQ city

Adelaide

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Financial Planning Fees: Fee-for-service model where fees are agreed in advance before any personal advice is given. No hidden fees. Services include retirement planning, wealth creation, risk insurance, and SMSF advice.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Calm Wealth is an Adelaide-based financial advisory practice that delivers personalised financial planning advice across four core service areas: Wealth Creation (investment strategy), Retirement Planning (superannuation strategies and Centrelink entitlements), Risk Insurance (life, TPD, trauma, and income protection advice), and Self-Managed Superannuation Funds (SMSF establishment, ongoing strategy, and administration support). Advice is delivered through a structured six-step process ending in a Statement of Advice, with fees agreed in advance and no hidden charges. The firm operates as an Authorised Representative of Consultum Financial Advisers Pty Ltd under AFSL 230323.

Product overview

Calm Wealth is a financial advisory firm offering a unified suite of financial planning services. The core offering comprises four main service areas: Wealth Creation (investment strategy), Retirement Planning (superannuation strategies), Risk Insurance (protection products), and Self-Managed Superannuation Funds (SMSF administration and advice). These services are delivered through a structured six-step financial planning process. The firm operates as an Authorised Representative of Consultum Financial Advisers Pty Ltd (AFSL 230323) and does not appear to offer a separate software platform or technology product.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Creation Financial advisory service focused on building financial security and investment strategies to help individual clients achieve lifestyle and retirement goals through tailored investment recommendations, risk profiling, and portfolio construction.
• Retirement Planning Superannuation and retirement strategy advisory service helping individual clients maximise retirement savings, navigate changing regulations, optimise Centrelink entitlements, and create sustainable income plans for retirement.
• Risk Insurance Wealth protection advisory covering income protection, life insurance, total and permanent disability (TPD), and trauma insurance to safeguard individual clients and families against the financial implications of death, disablement, serious illness, or injury.
• Self-Managed Superannuation Funds (SMSF) Advisory service giving individual clients control over how their superannuation benefits are invested, operated, and managed, including assistance with SMSF establishment, ongoing strategy, investment advice, insurance inside super, estate planning integration, and administrative support.

Quantifiable outcome

• Six-step financial planning process from initial consultation to ongoing reviews ensures comprehensive, tailored financial advice.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Consultum Financial Advisers Pty LtdcoreStrategic or Co-development PartnerCalm Wealth Management Pty Ltd is an Authorised Representative of Consultum Financial Advisers Pty Ltd (ABN 65 006 373 995, AFSL 230323). Consultum is the Australian Financial Services Licensee providing regulatory oversight and support for the financial advisory practice.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Shadforth Financial Group: Australian independent financial advisory firm offering retirement planning, wealth creation, superannuation and SMSF advice to individuals and families. Directly comparable to Calm Wealth in service mix (planning-led, fee-based advice, SMSF specialism) and target client (mass-affluent Australians approaching or in retirement).
• Hewison Private Wealth: Independent Australian financial planning firm providing retirement, superannuation, investment and SMSF advice. Comparable to Calm Wealth as a planning-led, fee-for-service practice focused on pre- and post-retirement clients with a multi-adviser team.
• Bridges Financial Group: Australian financial advisory firm offering wealth creation, retirement planning, risk insurance and SMSF advice to individuals. Highly comparable to Calm Wealth in service offering and target market; Calm Wealth itself was formerly branded as 'Bridges' / 'Bridges Adelaide', making this a particularly close product-and-legacy peer.
• Astute Financial Management: Independent Australian financial planning firm delivering retirement, superannuation, wealth creation and insurance advice under a fee-for-service model. Directly comparable as a mid-sized independent practice competing for the same retiree/pre-retiree segment.
• Morgans Financial Limited: Australian wealth management and stockbroking firm providing financial planning, superannuation, and investment advice to retail clients. Comparable as an Australian advice business serving mass-affluent investors with retirement and wealth creation needs, though operating at significantly larger scale.

Broad incumbents

• Consultum Financial Advisers Pty Ltd: Australian Financial Services Licensee (AFSL 230323) of which Calm Wealth is an Authorised Representative. Comparable as the broader advice network that hosts and supports multiple practices including Calm Wealth; same licensee infrastructure and product access, but operates as a multi-practice aggregator rather than a single client-facing firm.
• AMP Financial Planning: Large Australian advice network within the AMP group, offering retirement, superannuation, investment and SMSF advice through affiliated advisers across Australia. Comparable in offering retirement and SMSF planning to retail clients, but operates as a scaled, multi-adviser dealer group rather than a single independent practice.
• Insignia Financial (formerly IOOF): Major Australian wealth and advice group owning multiple advice brands and licensee networks (including Consultum). Comparable at the category level — retail financial advice, superannuation, SMSF, retirement income — but operates at vastly greater scale as a listed wealth manager rather than as a single advisory practice.
• Count Financial: Australian advice dealer group supporting a network of independent financial planners across retirement, superannuation and wealth creation. Comparable as a planning-led retail advice provider for the same retiree/pre-retiree segment, but operates as an aggregator/licensee model rather than a single practice.

Others

• Australian Retirement Trust (Smart Monday / REST): Large Australian superannuation fund offering member advice, retirement planning and superannuation services. Comparable in addressing the same retiree/pre-retiree financial-planning needs, but operates as a fund/employer-sponsored vehicle rather than an independent advisory practice — adjacent rather than directly competitive.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/calm-wealth-management

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Calm Wealth