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Financial Planner salary in Australia
The median full-time salary for a financial planner is $134,300 per annum, before tax, up $28,400 since 2018.
Pay depends heavily on the model you work under: a salaried adviser in a bank or an industry super fund earns a fixed package, while a planner with their own client book is paid from fees charged on the funds they look after, so income grows with the size of that book. Experience, client numbers and the fee structure of the licensee you work under move the figure more than location does. Most practices now charge a flat advice fee rather than commission, which shapes both what you earn and how you explain your charges to clients.
Roles that pay more than financial planner
The largest typical pay rise is $3,600 a year, moving into Stockbroker.
- Stockbroker+$3,600/yr
How to negotiate a higher financial planner salary
- Know the market rate before you ask. The median full-time financial planner salary is $134,300; use that, not a guess, as your anchor, and adjust for your experience and employer.
- Lead with what's scarce, not just tenure. Skills like Investment and financial advice and Regulatory compliance tend to command a premium over general financial planner experience, name them specifically when you ask.
- Bring a real alternative to the table. Stockbroker pays a typical $3,600 a year more and draws on similar skills, even mentioning you're weighing it up is a legitimate data point in a pay conversation.
- Time it deliberately. Reviews, the end of a project you delivered, or taking on responsibility beyond your job description are stronger moments to ask than an arbitrary date on the calendar.
- Ask for a number, not a raise. "Based on the market rate and [specific contribution], I'd like to move to X" gets a clearer answer than "I think I deserve more."
Financial Planner salary questions
How much do financial planners earn in Australia?
The median full-time salary for a financial planner is $134,300 a year before tax. Seniority, specialisation, sector and the award or agreement you're employed under all move it.
Is financial planner pay rising or falling?
The median financial planner salary is up $28,400 since 2018. Figures from 2025 onward on this page are a projection, not a measured result.
What pays more than financial planner?
Stockbroker pays a typical $3,600 a year more and draws on similar skills to financial planner.