Summary

We’re building a tech-native financial planning business for a segment the industry has largely ignored: HENRY households — High Earners, Not Rich Yet — with combined incomes of $200,000–$400,000. They’re too complex for free guidance and too early in their wealth journey to be well served by traditional planning practices built around asset-based fees.

We’re closing that gap with a digital-first advice model: a diagnostic tool that benchmarks a client’s financial position, purpose-built calculators, and a technology platform that lets our advisers spend their time on judgement, not paperwork.

What you’ll do
Conduct comprehensive financial assessments for clients to identify their financial needs and goals.
Develop tailored financial plans that align with clients’ objectives and risk tolerance.
Provide ongoing advice and support to clients, adjusting financial plans as necessary.
Stay updated on financial regulations and market trends to offer informed advice.
Build and maintain robust relationships with clients to foster trust and loyalty.
Collaborate with other financial specialists to ensure a holistic approach to client financial planning.
Prepare and present financial reports and recommendations to clients.

What you’ll need




FASEA/financial adviser exam compliance and current registration on the Financial Advisers Register
Relevant degree or approved qualification under the current education standards for financial advisers
Solid technical experience across superannuation, life insurance, and managed investments/fund advice, ideally including SMSF
A track record of preparing and reviewing SOAs to a high standard, with genuine command of the best interests duty — not just the paperwork behind it
Comfort working with technology-assisted advice tools and a willingness to challenge or override automated outputs where they don’t reflect a client’s real circumstances

What would set you apart
Interest in working with a younger, high-income, lower-asset client base rather than a traditional retiree/pre-retiree book
Comfort operating in a startup setting — helping shape process rather than following an established playbook
Eager to change the game, offer solutions to All Australians

What we offer
A genuine leadership role in a business built from the ground up, not a slot in an existing hierarchy
The chance to shape how technology and advice work together, rather than retrofitting tech onto legacy process

📌 Financial Planner – Remote East Melbourne
🏢 KOBA Finance
📍 East Melbourne