Please reach out to us on 1300 640 899.

Clear Sky Financial is an Australian-based, licensed financial planning firm and Corporate Authorised Representatives of InterPrac Financial Planning, established in 2001. Clear Sky Financial operates under Australian Financial Services Licence 246638. InterPrac Financial Planning is a wholly owned subsidiary of publicly-listed ASX firm Sequoia Financial Group.

No. We’re not affiliated with any payday lenders, overseas companies, disability services, or solar panel businesses using the name “Clear Sky.”

People searching for Clear Sky Financial often see reviews for unrelated overseas companies using the same name. It can be confusing – but if you’re looking for the Australian-based, licensed financial advice firm, you’re in the right place.

We are Clear Sky Financial Pty Ltd, a 100% Australian-owned company providing professional financial advice under AFSL 246638. Our advisers are based here in Australia, and our company is registered under ACN 634 263 148.

To verify our company, you can search the official ASIC register here:
https://service.asic.gov.au/search/

To check an adviser’s credentials, visit:
https://moneysmart.gov.au/financial-advice/financial-advisers-register

The Clear Sky name might be common – but our service isn’t. We help everyday Australians access the kind of high-quality advice usually reserved for the wealthy.

Choosing an adviser you can trust is one of the biggest challenges for Aussies looking to implement a financial strategy. To help make the decision easier and advice more accessible, we don’t charge fees for going through the research process. That means we’ll present our findings and make our recommendations and if you choose not to proceed for any reason, the whole process won’t cost you a cent. You can view our recommendations and see what our fees and the benefits will be, before having to commit either way.

We bring high-level financial advice to everyday Australians – without the complexity, jargon, or high costs.

• We focus on real outcomes, not just paperwork.
• We’ve helped thousands of clients improve their financial position.
• Our process is efficient, tech-enabled, and backed by real people who care.

We offer comprehensive financial advice, including:

• Superannuation reviews
• Retirement planning
• Life and TPD insurance
• Investment strategies
• Wealth protection
• Lending and mortgage solutions through Clear Sky Finance

Yes. All our advisers are qualified professionals who meet rigorous education, training, and ethical standards. We operate under AFSL 246638 and you can find us on the Moneysmart Financial Advisers Register.

Our financial planners boast extensive experience and are highly qualified in various aspects of financial management. All of our advisers operate as Authorised Representatives of Australian Financial Services Licence Number 246638, which is regulated by the Australian Securities and Investment Commission. They are backed by a team of skilled paraplanners and compliance officers, ensuring that your financial plan is accurate, compliant, and aligned with your unique needs and objectives.

If you want to know where you’re going, and exactly how to get there, the best way to achieve your goals is with a plan. Studies consistently show that professional financial advice leads to significantly better outcomes, especially in retirement. If you want to maximise your financial well-being and ensure a secure future, it makes sense to get expert guidance tailored to your specific goals and circumstances.

We take great pride in providing objective advice that’s solely in your best interests. As a privately owned firm, free from any affiliations with super funds or banks, we have no conflicting interests. Our recommendations are designed to empower you to make informed decisions with confidence.

3 easy steps.

• We get to know you and work out where you’re currently at, and what you want to achieve.
• We create a personalised strategy to help you achieve your goals.
• We implement the plan and keep you on track.

The initial review usually takes about 30 – 45 minutes. If you proceed with advice, the full process typically takes 2 – 3 weeks depending on your situation. We keep you updated at every step and handle all the admin for you.

No. We are proudly not aligned to any super fund or bank, so we are under no obligation to push certain products. We provide advice based solely on what’s in your best interest.

Good financial advice should never ‘cost’ you money, it should make you money. That said, there are some fees associated with getting a plan implemented and maintained. The good news is, there are flexible options available. For example, if we’re providing advice in relation to your superannuation, as we’re licensed financial advisers, the government will allow those fees to be paid from your superannuation fund. If you choose that option, you can get advice for no out-of-pocket expense.

Because there’s no one size fits all approach to financial advice, the exact fees will depend on what’s required for your individual situation. Rest assured, before making any commitments, we’ll provide a written statement of advice that outlines strategies, costs, and potential outcomes, ensuring you can make an informed decision without any risk.

Yes. Your first review is completely free and obligation-free. If you choose to proceed with formal advice or implementation, we’ll clearly explain any fees upfront before anything goes ahead.

If you decide to go ahead after your free review, our fees are fully disclosed and agreed upfront. In many cases, advice fees can be paid via your super (with your consent), making professional advice accessible without out-of-pocket costs.

Yes – absolutely. Our process is designed to be flexible and convenient. Most clients complete everything by phone, video call, and secure digital forms – no matter where they are in Australia.

Embracing the convenience of technology, we’ve successfully helped countless Australians nationwide, regardless of their location or busy schedules. Our streamlined process allows you to receive our expert assistance quickly, easily, and securely, eliminating the need for in-person visits.

We strive for your complete satisfaction, but if you decide our services are not for you, it’s as simple as walking away. There are no fees payable to us or the adviser for any work completed. We want you to feel comfortable and in control throughout the process.

A statement of advice is a comprehensive document outlining tailored strategies, associated costs, and potential outcomes and benefits. We will prepare your personalised statement of advice without any commitment on your part. It’s an opportunity for you to review and assess the value we can offer before making any decisions.

Yes, Clear Sky Financial can assist with all required paperwork and process. Our friendly Client Relations Team can show you how to do everything from downloading the app for your super fund, so you can login and check your account at any time, right through to implementing investment strategies or managing insurance claims. Our job is to make your life easier.

Yes. Many people are in a super fund that isn’t tailored to their individual circumstances. You may be invested in a way that doesn’t match your risk appetite, or have insurance that no longer suits your personal needs. There may also be better options available that you’re not aware of.

We can review your current setup and show you whether it’s aligned with your goals – and if not, what alternatives might help you grow your super more effectively. Our goal is to help you make informed decisions so your super is working as hard for your future as you are today.

Clear Sky Financial and InterPrac Financial Planning are committed to providing quality financial services in an efficient and honest manner. We value client feedback, and have developed a formal complaint handling process to deal with any complaints.

Please click here to access our Complaints & Resolutions Policy.