Your family’s future is our business

Client Reviews

Sandra and I have been customers of Complete Financial Planning for over 20 years and can't express our gratitude enough on how well Kathy and the team have managed our finances. We always look forward to our meetings with Kathy who is so easy to talk to and very informative about how we are trending with our finances and we always leave reassured we are in good hands. We can honestly say we are in a far better position financially since joining Kathy and her team and we never hesitate to encourage prospective clients her way when talking about our journey. Thanks Kathy, we really appreciate the service you provide. Chris and Sandra Lewry

Chris & Sandra

Hello Emma, We have now been under your financial guidance for 3 years or so and all we can say is "thanks heavens”. Your financial advice has been excellent and delivered to us in understandable terms without small print. We can't sing the praises of Michelle and others within CFP high enough. You and your colleagues have always responded quickly and politely to any of our many queries. You have been instrumental in us being able to gain maximum financial benefits in dealing with government agencies or our superannuation funds. We would wholeheartedly recommend CFP to anyone looking for sound and up-to-date financial advice. Kind regards and thanks, Rod and Kaylene Watts

Rod & Kaylene

We consulted Complete Financial Planning about 20 years ago, when trying to work out how to create a secure retirement future for us. At that time, Emma’s father, Colin, gave us some very valuable advice which, fortunately, we followed. We are now living that secure retirement future. We have relied on CFP to look after our investments since that time. It is a great relief for us to be able to trust Complete Financial Planning, competently run now for many years by Emma, to look after our financial affairs, while we devote our time to a range of professional and volunteer organisations. We unreservedly recommend CFP, particularly if you are in your ‘forties’ thinking about what needs to be done to make a comfortable retirement possible. Mark and Fiona Bush

Mark & Fiona

Emma and the team at Complete Financial Planning have set us on a pathway to financial security. We met with Emma over two years ago now after they came highly recommended from an existing client. Emma and the team listened to our needs and aspirations and mapped out a multi-disciplined pathway for our family to work towards maximising our income in retirement and paying off our mortgage well before retirement age. We are still able to do all the things we want to do by learning how to make our money work for us. Emma and the team are fully transparent in all their advice and flexible to work with you as you need it. We highly recommend Emma and her team to anyone seeking to get their finances on-track and creating solid pathways for financial security in retirement and beyond. Nicole & Damian

Nicole & Damian

I have been a client of Complete Financial Planning since its inception firstly with the founder Colin Oliver and now with the very capable, professional and competent Emma Oliver. During this time which has spanned some very challenging financial and economic times I have found that Emma’s knowledge and understanding of the situation to be very reassuring and she is able to use her knowledge of the market and trends to ensure that if any changes need top be made, they are fully explored before hand and agreed to before taking any action. She is backed up by a dedicated team at Complete Financial Planning. I have no hesitation in recommending Emma and the team at Complete Financial Planning to service your needs and look after your future financial requirements. Jenni Clarkson


My husband and I have worked with Emma and her team for over 10 years. They have been a pleasure to work with, as we have moved from being a couple to a family, whilst also considering our longer-term needs/wants. Emma and the team are very knowledgeable, caring, responsive, and a pleasure to work with. It brings us a lot of peace of mind knowing we are fully informed and set up with the appropriate insurances etc. that if something should occur, we won’t be worried about our finances. Thank you! Thanks, Sarah

Sarah & Callan

I have been with your company a long time and have wonderful service throughout. Any issues Kathy has always sorted for me. Jim and I are 78 and 77 respectively and Kathy has been a great support. Always looked after us. I would highly recommend Complete Financial Planning to anyone who wants service above and beyond.

Di & Jim Mitchell

Complete Finance were our trusted, friendly and knowledgeable financial advisers for years but in 2018 I found myself suddenly single again and I honestly don't know how I would have coped without Emma and the team since then. Complete Finance have helped with advice over several financial areas, Superannuation and in getting a pension. They are a family-oriented business that understand the real drama's life throws at us and really focus on individuals needs and give support wherever they can. I am forever grateful and thank them whole heartily, for the advice and help I have received from Emma and the team at Complete Financial.

Julie & Colin

Just writing to let you know how grateful I am that you have continued making my life a breeze. Your advise while I was still working on how best to prepare for retirement has meant I'm living as I would expect to without worry. I really appreciate your willingness to explain anything until I completely understand, no matter how basic. I'm so pleased I chose you Emma, Kathy and Complete Financial Planning to manage my super fund. Kind regards Beryl Cuxson


Almost a decade ago now we decided it would be in our best interest to seek financial advice. My wife selected Complete Financial Planning (CFP) of Midland simply because of the ease in negotiating traffic. Not the greatest reason I agree. Nevertheless, we fell upon a gem. Kathy has been ‘holding our hands’ ever since. CFP are very focussed on communication which translates to transparency. Recently we restructured finances in case we pass away to maximise inheritance outcomes for our family! All CFP staff are professional, friendly, and most all of patient with our questions. Ken and Lynne

Ken & Lynne

Hi Emma / team @CFP, Emma and the team at CFP have helped us achieve our goals. Firstly, prior to retirement as we negotiated the transition and salary sacrifice options and then once we finished working, setting up our financial well-being goals. We were able to retire when we wanted to. Emma has visited us in our home, in the south west, to update us on how the funds are managed and to ensure we are on target with our own goals. Communications with Emma and the team has been faultless over the 15 years or so, that we have consulted with Complete Financial Planning.

Sharon & Steve

Originally both Colin and myself worked for Westpac where he cared for many of my agribusiness clients. After I resigned from the bank after 34 years Colin managed my superannuation and financial advice. When he semi retired he put the care of my finances with Emma Oliver. Under her advice we have built up a good nest egg for our retirement years. Very professional and excellent management of our funds. I am very impressed with her service to such a level where we had no hesitation in referring 5 other clients who are now with Complete Financial Planning. Highly recommend Emma and the company.

Bruce Doig

Who ever said don’t mix business with pleasure is wrong. Your team fill us with professionalism and confidence and trust in what we are doing with our money. Thank you for all the extras you provide on the Social side. The unison of a family is so warming.

Mary Calverley

I recently met with Kathy Boland who was referred by a family friend. I was very happy and impressed by the experience. Kathy was very relaxed and friendly but at the same time very professional and I am confident I am in good hands. The information I have received so far and the follow up provided by Kathy is fantastic. I am very glad I now have a trusted relationship with Complete Financial Planning and Kathy for years to come.

Donna Button

Ed and I have never worried about our finances since joining Complete Financial Advice. Originally advice was given on pre-retirement planning. It was a minefield to us and was confidently and patiently handled so that Ed and I had the best outcomes possible. We did not even know what was available to us until taken under the wing by Colin Oliver at that time. Over the years as retirement became a reality our finances have always been transparent and clearly explained by Emma as she took over from her father. Each year we would sit down and have everything placed in front of us and patiently explained. Emma also made sure we had all the Government assistance that was our due. She also made sure we carried out further planning for our future by ensuring we had Enduring Power of Attorneys in place as well and Enduring Powers of Guardianship, Advanced Health Directives, Commonwealth Health Cards and wills. She helped in filling out the forms and negotiating Centrelink when needed. Whenever I have a query about anything trivial or confusing Emma is on the other end of the phone or makes the time to see me personally. As my husbands health declines she has made sure all finances are in place for me to take over. This has been necessary and so much relief to know I can trust Emma and she is there looking after me and the finances so I can be secure into the future taking into account Aged Care, housing, travel or emergencies. You have no idea what a blessing this is, knowing all is catered for in my future. As life gets more complicated I can rely on my funds getting me through. The planning and detail are exemplary. AND we have made money through our investments! MY heartfelt thanks go to the Olivers and Complete Financial Planning for taking this burden off my shoulders. They are worth every cent in fees. They pay for themselves and more to boot! Regards, Wendy Bart

Ed & Wendy

We have been with Emma & the team at Complete Financial Planning for about 15 years now. We were still working when we started. Right from that time my husband & I have had peace of mind for our finances. Emma started us on a plan to add extra to our super in readiness for the retiring years. We started a budget planner spreadsheet monthly to oversee our monthly spending. I still use this today. We were able to retire earlier than expected & it has been smooth sailing since. In that time we have been on many holidays, bought new cars & still living a great lifestyle. Thanks to Emma, Kathy & the team it's one thing we never have to think about. They always have our best interests at heart.

Sue & Garry

We would like to acknowledge what the team, especially Kathy have done for us, especially since we retired. Neither of us had a clue about finances and all the rules regarding same. Colin set us up whilst we were working and his guidance was invaluable, and Kathy has continued to guide us. Thanks to Kathy, we have a comfortable lifestyle, and do not feel the pressures that some of our retired friends do. I would not hesitate to recommend Complete Financial Planning to any one who is in need of a service they can trust. The company looks after their clients.


We would like to acknowledge what the team, especially Kathy have done for us, especially since we retired. Neither of us had a clue about finances and all the rules regarding same. Colin set us up whilst we were working and his guidance was invaluable, and Kathy has continued to guide us. Thanks to Kathy, we have a comfortable lifestyle, and do not feel the pressures that some of our retired friends do. I would not hesitate to recommend Complete Financial Planning to any one who is in need of a service they can trust. The company looks after their clients.

Graham & Georgina