A Multi-Disciplinary Financial Advisory Team

SFR Advisory that has been providing quality financial advice in Perth for over 20 years mainly through its financial planning arm Self-funded Retirement Planners Pty Ltd (SFR Planners). SFR Advisory Group has taken over ten years to expand the scope of advice to include other disciplines such as tax advice, property services, estate planning aged care debt advice and business services. The aim is to provide comprehensive trustworthy and affordable financial services to a broader community not just the financially rich.

A new approach to financial advice Our Future

Our way of doing things is strongly driven by a sense of caring for people. We want to contribute something positive with the skills we have developed over decades. We want our legacy to be about giving great advice to as many people as possible needing and of course wanting our services. We offer financial advice to people of all financial situations. As such, there is no minimum amount of money you need to engage SFR services. Regardless of your current financial position, we believe we can help.

Why do we do it this way? Our Motivation

We have been in this business for over 20 years. In that time, we have helped countless clients amass and retain their wealth for themselves and their families, but one thing has remained very apparent: life is very good at serving curved balls or full of snakes and ladders as some say! Too many advisers focus advice (usually product advice) for a distant time in the future that may not be there as the spreadsheet indicates. Because of this, we have seen a better way to do things. Rather than sacrificing today’s concerns for a future that may not arrive, it is better to strategise your finances, no organise your finances around what will make you comfortable TODAY. SO, BE IN THE PRESENT and guess what? Tomorrow will look much better too.
If you simply wish to accrue as much wealth as possible, no matter the personal cost, then there are ways to achieve this, but in our long and varied experience, we have seldom seen this desire bring lasting happiness to our clients. Some millionaires are utterly miserable, while some people on welfare benefits are far more content. Money is almost never the primary factor to happiness. So how do you make enough money to maximise your joy?

How much wealth is enough? Our Philosophy

If you are setting out to improve your financial situation, what should you aim for? How much money is enough? One simple answer is to aim for a place where money is no longer a source of stress in your life.
Having no money, or struggling to make ends meet, can make life very hard. For many people, money is something they worry about a lot. To get past this point to where you are not consciously worrying about money is the best spot to be in. Where money is no longer a source of anxiety or dread. This is usually a place where your living expenses are covered and you can start saving money for fun things, such as even modest holidays for yourself or your family. The things that bring a certain comfort (rapture is always fleeting), and make your life happier through, organisation, control, and understanding of your financial position today! Society wants us to believe that only a lot of money and rapture are the goals we should pursue, which of course is absolutely rubbish! No wonder our children are so dismayed…

But what do we do to get you financially secure now and in the future? Well, that is where most of our over 20-year experience lies. That is traditionally what financial advisors say they do. SFR Advisory are different, because of the scope of our advice and the fact we sincerely care about our clients (not just flogging product). We provide advice that is reliable, responsible and can in capture the many complexities of your financial well-being due to our extensive multidisciplinary scope of advice model.

We believe we can really help you on your way to a comfortable financial position NOW and into the future. Which in our experience won’t just be about money…
Click on any of our team’s email address’ or call our office on (08) 9220 5200 to discuss your needs.

Garth Lovelace (NEW)


Managing Director
Chief Investment Committee member
SFR Planners Authorised Representative number 230508

Garth is the founder of SFR Advisory and all of its subsidiary companies. With more than 30 years of experience in financial advice, he is well equipped to advise on a range of different scenarios.

He is a Certified Financial Planner, SMSF Specialist Adviser, registered Tax Agent in Financial Planning and Superannuation matters (TAN# 24683917), and expert in estate planning.

In addition, Garth is the licensee of SFR Property Professionals, specialising in residential and commercial properties in WA.

Email: garth@sfradvisory.com.au


Financial Adviser
Real Estate Sales Representative
Investment Committee Member
SFR Planners Authorised Representative number 295700

Dean is a Certified Financial Planner with over 14 years of experience in financial planning.

As an investment and retirement planning specialist, Dean will be able to help you identify and achieve your investment goals, assist with your current financial position, plan for retirement, and provide ongoing investment advice including direct share trading.

Email: dean@sfradvisory.com.au

Biplab Paul


Accountant – MIPA

Biplab Paul has more than 10 years’ experience as an Accountant and SMSF Administrator. He has a Master’s Degree in Accounting from Central Queensland University and Master’s Degree in Commerce from Dhaka University.

Biplab is a Public Accountant under IPA and holds the Professional Practice Certificate. He is also a Registered Tax Agent. He has extensive knowledge of accounting and tax for individual and small businesses.

Email: paul@sfradvisory.com.au



Compliance Manager

Being the first truly multidisciplinary Advisory firm comes with one very challenging aspect – compliance! Alicia brings order to the chaos of dealing with the various financial legislative requirements. Having been with SFR for over 5 years and having completed her management studies, Alicia brings compliance to the SFR Group.

Email: alicia@sfradvisory.com.au

Garth Lovelace (NEW)


Real Estate Manager and Investment Committee Member

Catherine has an impressive history with over 25 years of experience in the Perth property market.

With extensive experience in managing sales and marketing multi-million dollar apartment developments, and a proven track record in accomplishing a high level of real estate transactions throughout the western suburbs.

Key roles include advising and assisting in the preparation of feasibilities for financing development projects, as well as syndicating property investment opportunities.

Catherine has an intrinsic understanding of the residential property market and an exceptional ability to understand the nature of a transaction and how to bring parties to agreement.

Email: catherine@sfradvisory.com.au