Entrepreneurs at heart
Advice from people who've built businesses and lived the decisions you're facing.
We are not just financial advisers; we are entrepreneurs at heart.
With over 15 years of professional experience in financial services and a lifetime of building and running businesses, we bring a perspective that goes far beyond theory. We've been in the trenches, created businesses from the ground up, and steered them through both booming markets and times of volatility.
That experience has forged a unique ability: the skill to see opportunities where others see obstacles. We understand the moving parts of business structures, the reality of cashflow pressures, and the power of scenario modelling to chart a course through uncertainty.
Our advice isn't generic; it's tailored, practical, and designed to meet the real-world challenges of both business owners and individuals.
But it's not just about entrepreneurs. We work just as closely with everyday families, professionals, and retirees who want clarity and confidence in their financial future. Whether it's planning for retirement, protecting what matters most, managing debt, or simply getting ahead, we provide guidance that cuts through complexity and focuses on what really matters: building financial security and peace of mind.
For us, financial planning is not a job. It's who we are. We live and breathe it — studying markets, analysing strategies, and finding ways to build and preserve wealth is what drives us. That passion, combined with deep technical expertise and lived experience, allows us to deliver advice that is both visionary and actionable.
We don't just guide clients through today's decisions; we partner with them to shape tomorrow's success.
— Navarino Wealth
Luke Smith is an Authorised Representative (No. 377 450) of PFP Financial Services Pty Ltd, AFSL 535484. You can check his registration on the Moneysmart Financial Advisers Register, and our advisers are bound by the Financial Planners and Advisers Code of Ethics.
Why “Navarino”?
Navarino Wealth takes its name from the historic Battle of Navarino — a turning point that came to symbolise new beginnings and independence.
We believe wealth, like freedom, is about empowerment. We guide clients to navigate their financial waters with clarity and courage — toward independence, opportunity and legacy.
What working with us looks like
No mystery and no obligation. Here is the path from first conversation to an advice relationship, and where the cost is agreed.
A complimentary first chat
A relaxed, no-obligation conversation about your situation and what you want to achieve. We explain how we work and you decide whether we're the right fit. Nothing to prepare, nothing to sign.
No costUnderstanding your position
If you'd like to go further, we gather the detail — income, assets, super, insurance, debts and the goals behind them — using our online fact find or on paper, whichever suits you.
Fee agreed in writing firstYour advice, in writing
We model the options and set out our recommendations in a written Statement of Advice, in plain English, with the reasoning and the costs laid out so you can weigh it up properly.
You decide whether to proceedPutting it in place, and keeping it there
We handle the implementation and the paperwork, then meet regularly to keep the plan matched to your life as it changes — because circumstances and rules both move.
Ongoing, by agreementBased in Leederville
We're a small Perth practice on Oxford Street, and we meet clients face to face.
Our office is at 3A / 356 Oxford St, on the corner of Salisbury Street in Leederville — a few minutes from the Perth CBD, with parking nearby and Leederville station a short walk away.
Being small and local is deliberate. You deal with your adviser rather than a call centre, you can drop in for a conversation, and we know the Perth context our clients are actually making decisions in — from small business through to retirement.
Qualified, and experienced
Advice is only as good as the person giving it. Luke Smith brings formal qualifications and more than fifteen years in the industry to every plan.
Formally qualified
Luke holds a Master of Applied Finance and a Graduate Diploma of Applied Finance (Kaplan), a Bachelor of Business majoring in Finance (Edith Cowan University), and a Diploma of Financial Services (Financial Planning).
Over fifteen years in the industry
More than fifteen years of industry experience as a financial planner, company director and responsible manager of a boutique financial planning firm, where he played a pivotal role in its growth.
Registered tax (financial) adviser
Authorised to provide tax (financial) advice where it forms part of the personal financial advice — so the tax consequences of a strategy are considered alongside it, not left to chance.
Who we answer to
Advice in Australia is a licensed activity. Here is exactly where we sit, and how you can check it independently.
Licensed to give advice
Navarino Wealth Pty Ltd (ABN 91 691 312 937) is a Corporate Authorised Representative (No. 1318210), and Luke Smith is an Authorised Representative (No. 377 450), of PFP Financial Services Pty Ltd, AFSL 535484.
Check us yourself
Every licensed adviser in Australia appears on ASIC's public register. Look us up on the Moneysmart Financial Advisers Register.
Bound by a code of ethics
Our advisers are bound by the Financial Planners and Advisers Code of Ethics, which sets the professional and ethical standards we must meet.
Fees agreed upfront
We set our fees out in writing before any work begins, so you know the cost before you commit. The first conversation is complimentary either way.
If something goes wrong
We have a formal complaints process, and you can escalate to the Australian Financial Complaints Authority at no cost. How to make a complaint.
Your information, handled properly
We're bound by the Australian Privacy Principles. Read our Privacy Policy and the Financial Services Guide.
Advice that's actually about you
We're a small, local Leederville practice — so you deal with your adviser, get straight answers, and have a plan built for your life, not a template.
Local & personal
Face-to-face advice from Leederville, Perth — you always know who you're dealing with.
Clear, jargon-free
We explain the why, not just the what — so you can make confident decisions.
In it for the long run
A relationship that adjusts as your life and goals change.
Ready to unlock your potential?
Book a no-obligation chat. We'll listen first, then show you what's possible.