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Business Details
27 Years
experience
Your Trusted Financial Advisers in Geraldton, WA
Established in 1999, Ifswa.com.au has been dedicated to providing tailored financial solutions for Western Australian families and businesses. Our Geraldton-based team expanded to Margaret River in 2022, maintaining a boutique approach while serving clients across regional WA. We specialise in comprehensive financial planning through our S.M.A.R.T goal framework, combining expertise from a multidisciplinary team of accountants, tax specialists, and legal advisors.

With over 25 years of experience, we've developed proprietary software to track financial progress and deliver transparent projections. Our unique approach limits client numbers to ensure personalised service, focusing on long-term relationships rather than transactional advice. We maintain strict independence by accepting payment directly from clients, ensuring unbiased recommendations aligned with individual financial objectives.
Services
Financial Planning Retirement Planning Tax Optimisation Estate Planning Debt Management Investment Strategies Superannuation Advice Business Succession Planning Insurance Review Centrelink Entitlements
Details
  • Year established: 1999
Highlights and features
  • We offer 25+ years of local financial planning expertise
  • Our multidisciplinary team includes 10+ subject matter experts
  • We provide value-for-money guarantees on initial advice
  • Our proprietary software tracks financial progress transparently
  • We maintain strict independence through direct client payments
Associations and certifications
  • Certified Independent Financial Advisers Association
  • Australian Financial Services License (AFSL 533684)
What people say
Financial freedom achieved Personalised roadmap Expert guidance Peace of mind Long-term success
Update Listing
Services
Financial Planning
Our comprehensive financial planning service creates tailored strategies for long-term wealth management. We analyse your complete financial situation to develop actionable plans addressing retirement, tax optimisation, and estate preservation. With a focus on S.M.A.R.T goal setting, we help clients achieve financial independence through structured, evidence-based approaches that adapt to changing life circumstances.
Retirement Planning
Specialised retirement planning services optimise superannuation and investment portfolios for clients over 55. We develop strategies to maximise retirement income while minimising tax liabilities. Our approach considers Centrelink entitlements, aged care planning, and lifestyle goals to create sustainable income streams that support your desired retirement lifestyle across multiple decades.
Tax Optimisation
Our tax optimisation service identifies legitimate strategies to reduce tax liabilities while maintaining compliance. We combine expertise from qualified accountants and tax specialists to implement structures that maximise after-tax returns. This includes business entity structuring, investment tax strategies, and intergenerational wealth transfer planning to preserve capital for future generations.
Estate Planning
Comprehensive estate planning ensures your assets are distributed according to your wishes while minimising potential disputes. We coordinate legal specialists to create wills, enduring powers of attorney, and testamentary trusts. Our approach protects family assets, considers business succession requirements, and implements strategies to reduce estate taxes and administrative costs.
Debt Management
Targeted debt management solutions help clients reduce liabilities and improve financial stability. We analyse existing debt structures to implement consolidation strategies, negotiate with creditors, and develop repayment plans. Our approach considers tax implications and integrates with broader financial goals to create sustainable debt reduction pathways for pre-retirees.
People
Mick Steffan
Chief Executive Director
With 25+ years in financial services, Mick leads our advisory team as a qualified accountant and financial planner. He specialises in complex financial structuring for business owners and farmers, combining technical expertise with practical rural business experience. Mick's approach focuses on long-term client relationships and sustainable wealth creation strategies.
Charney Spargo
Client Services Leader
Charney coordinates client services with 15 years of experience in financial administration. She ensures seamless implementation of financial strategies, maintaining regular client communication and documentation standards. Her organisational skills support our commitment to ongoing client accountability and progress tracking.
Craig Meathrel
Financial Planning Specialist
Craig provides expert financial planning advice, specialising in life insurance and investment structuring. With extensive experience in retirement planning, he helps clients implement strategies that balance risk management with wealth growth objectives while maintaining tax efficiency.
Thomas Blackwell
Taxation Expert
Thomas brings specialist taxation knowledge to our team, focusing on complex tax planning for business owners and high-net-worth individuals. His expertise includes entity structuring, capital gains tax strategies, and intergenerational wealth transfer planning to maximise after-tax outcomes.
Annette Sinclair
Social Security Specialist
Annette specialises in Centrelink entitlements and aged care planning. She helps clients navigate government benefits while maintaining eligibility for pensions and healthcare support. Her expertise ensures clients optimise their financial position within social security frameworks.
Questions
What financial services do you specialise in?
We specialise in retirement planning, tax optimisation, estate planning, and business succession strategies for clients over 55 in Western Australia.
How do you help with retirement planning?
We create tailored retirement strategies considering superannuation, investment portfolios, and Centrelink entitlements to ensure sustainable income for 30+ years.
What makes your financial advice unique?
Our S.M.A.R.T goal-based approach combines multidisciplinary expertise with proprietary software for transparent progress tracking and regular course corrections.
Do you work with business owners?
Yes, we specialise in business succession planning, entity structuring, and tax strategies for farmers, fishers, and small business owners across regional WA.
How are your fees structured?
We offer transparent pricing with a $500 Financial Roadmap Consultation and ongoing service packages tailored to individual client needs and complexity.
What areas do you service?
We primarily serve Geraldton and Margaret River, with clients across regional WA within 500km of Geraldton, including Broome to Mundaring.
Reviews (3)
Chris Duane
Dec 03, 2020 Report
Have been dealing with Mick and his team at Independent Advisers for over a year now and couldnt be happier. Mick has great passion for his clients and helping them achieve there financial goals. His knowledge is second to none and I will using his services for years to come.
Meja Aldrich
Aug 07, 2020 Report
Mick is a strait shooter with the long term in mind. He has boosted the finacial performance of my superannuation and investment account. Mick is passionate about independent finacial advice. His focus is to support the aspirations of life goals through financial freedom.
Ehsan Haque
Oct 26, 2018 Report
Mick is a knowledgeable financial planner who genuinely cares for his clients. Has looked after our investments and insurances and advised us on our Estate Planning as well.