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About Us

At Parrish Financial we are experienced, focused and positive in our approach.

Parrish Financial is the evolution of a second generation financial planning firm, led by Matthew Parrish. Matthew has been in the financial services industry over 20 years, continuing the legacy built by his father Fred Parrish, who commenced his planning career in 1972. Fred continues to consult to the business and has worked with both Matthew and Rochelle for over 14 years.

Experienced, focused and positive in their approach, the team at Parrish Financial work together to achieve what is important to you. They have all worked in larger financial services firms and have chosen to continue their careers within a smaller firm that concentrates on personalised advice and service. Parrish Financial is a Cairns based multi-generational financial planning firm, which is self-licensed under Parrish Advisory Pty Ltd (AFSL 494108). We are experienced, focused, and positive in our approach and are determined to enhance your potential to achieve what is important to you.

Meet The Team

Matthew Parrish​

Director & Financial Planner

Matthew Parrish​

began working at Westpac in 1997 whist completing a Bachelor of Business (Banking and Finance) in Brisbane. On completion he was accepted into Colonial’s Graduate Management program based in Sydney. In 2000, Colonial merged with the Commonwealth Bank and Matthew became a Financial Planner. At the time he was already furthering his studies, completing a Master of Commerce (Financial Planning). Matthew then moved to London to work for global bank, HSBC, prior to returning home to Cairns in 2003 to join his father, Fred Parrish, in his financial planning practice. In 2009, Matthew took over from his father and joined Anthony Menico and Jo Tuck to form Menico Tuck Parrish Financial Services.

Rochelle Curtis​

Financial Planner

Rochelle Curtis​

began her financial planning career in Ballarat in 2001 before moving to Cairns in 2005. She joined Fred Parrish Financial Services as a paraplanner and became a Financial Planner in 2014. To accompany her Diploma of Financial Planning, Rochelle completed a Masters of Commerce in Financial Planning through the University of Western Sydney with Distinction and earned two awards - one from the Financial Planning Association and the Postgraduate Dean’s Medal. Rochelle is a Certified Financial Planner CFP® with the Financial Advice Association Australia (FAAA). Outside of work, Rochelle enjoys netball, triathlons, and family life with her husband Dean and their three daughters.

Simone Hardy

Accounts

Simone Hardy

Simone joined Parrish Financial in 2022, taking on Accounts initially before moving into the Office Manager position. With over 10 years’ marketing experience and five as a small business owner, she enjoys business management, project coordination, and outdoor adventures with her two girls.

Marinda Grobbelaar​

Financial Planner Assistant

Marinda Grobbelaar​

Marinda started working in the financial planning industry in 2018. She thoroughly enjoys working with clients and implementing our client’s advice accurately and efficiently. In her spare time, she enjoys spending time outdoors with her family and dog, gardening and camping.

Tanille Scotland

Client Services Team Leader

Tanille Scotland

Tanille's role in Client Services ensures that ongoing administration and implementation of advice strategies are completed efficiently and accurately. Tanille has 10 years industry-experience; and helps clients with her keen and bubbly personality.

Julie Wilson

Receptionist

Julie Wilson

Recently relocated to the Tropics to be closer to family, Julie brings extensive experience in customer service and administration, having worked across hospitality, reception, and office support roles. In her spare time, she enjoys cooking, travelling and spending time with family.

Fred Parrish

Consultant

Fred Parrish

has been involved in the financial services industry for over 40 years. Over his career, he has received many awards with his most recent accolade being the formal recognition of his significant contribution to the industry. Fred continues to provide his extensive experience as a consultant.

Nicole Ziegelbauer​

Paraplanner (Remote)

Nicole Ziegelbauer​

Nicole joined the financial services industry in 2007, bringing extensive knowledge in all areas of financial planning. Now working remotely as our external Paraplanner, she oversees regulatory compliance and prepares advice documentation with precision and care.

Our Values

To uphold our passion and dedication

To display empathy, respect, tolerance and compassion for all

To always facilitate open and honest interactions

To continuously improve our knowledge and to embrace change

To maintain a cohesive and collaborative environment

Community Involvement

We believe in giving back to our community and are pleased to share with you the following charities, foundations and federations that we have supported.

FAQs

Financial planners may charge:

  • Flat fees (eg. for a Statement of Advice)
  • Hourly rates
  • Ongoing service fees (combination of flat fees and percentage-based fees)
  • Asset-based fees (a percentage of your portfolio)

At Parrish Financial, we offer transparent, upfront pricing with no hidden commissions.

If your finances are simple and you’re confident with budgeting and investing, DIY may work. But for major life events, complex portfolios, or long-term planning, a financial planner can provide tailored strategies, tax efficiency, and peace of mind.

Yes. A financial planner helps you make informed decisions, avoid costly mistakes, and optimise your finances for long-term success. Whether it’s managing investments, planning for retirement, or protecting your wealth, professional advice often delivers value far beyond the cost.

Some fees are tax deductible—particularly those related to managing income-producing investments or tax affairs. Initial advice fees are generally not deductible, but ongoing advice may be, depending on the nature of the service.

Key times include:

  • Starting your career or family
  • Buying property or receiving an inheritance
  • Approaching retirement
  • Navigating aged care or estate planning
  • The earlier you start, the more value you can gain.

Our process follows a structured six-step model:

1. Discovery Meeting – Understand your goals and values
2. Data Collection – Review your financial position
3. Strategy Development – Tailored recommendations
4. Statement of Advice – Formal written plan
5. Implementation – Putting the plan into action
6. Ongoing Annual Review – Adjusting as your life evolves

The cost of providing financial advice or service to you will depend on the nature and complexity of the advice, financial product and/or service provided. Your Adviser or the financial planning business may be remunerated by:

  • Advice and service fees paid by you
  • Commissions paid by insurance providers

The following table summarises the types of fees or commissions that are applicable to the services that we provide. Before providing you with advice, your Adviser will agree with you the fees that apply. All amounts are inclusive of Goods and Services Tax (GST).

Fee Range

We focus on:

  • Wealth creation and protection
  • Superannuation strategies
  • Insurance
  • Estate planning
  • Retirement planning
  • Aged care financial advice

Yes. Your initial meeting is obligation-free. It’s an opportunity to explore your goals and see how we can help.

Absolutely. We help clients optimise their superannuation and navigate aged care options, including funding strategies and Centrelink entitlements.

We recommend annual reviews, or more frequently if your circumstances change—such as a new job, property purchase, or family event.

Call us on 07 4053 2888 or email contact@parrishfinancial.com.au to enquire about an initial meeting.

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Build Wealth

Self-managed Super Funds

Being in control of your own success can be extremely rewarding. However, it is fraught with risk – not only in the investment decisions you make, but also in the intricate web of compliance requirements. Unintentional infringements can lead to hefty fines, so having the assistance of a professional is well worth considering.


Our specialists can provide you with detailed advice on every aspect of investments in self-managed super funds, including:

  • Ensuring that your investment strategy is in line with current legislation
  • Analysing and monitoring individual products within your super portfolio
  • Updating you on changes to super legislation
  • Managing super funds on your behalf

Build Wealth

Superannuation

Target-setting
Of course, the key to securing a truly comfortable retirement is knowing how much it will cost, yet research indicates that 68% of Australians are unaware of this. We help you calculate what it will cost to maintain the lifestyle you desire and set the targets required to achieve this.

 

Additional super contributions
This may seem straightforward, but there are very detailed rules in place regarding who can contribute and how much can be contributed, plus how contributions are to be taxed. Broadly, contributions can be made either:

Before tax (concessional contributions) which include employer or “Superannuation Guarantee” at the current legislated rate of 10%pa, salary sacrifice or personal contributions which are eligible for a personal tax deduction; or

After tax (non-concessional contributions) which include Government Co-Contributions, Spouse Contributions and also personal non-concessional contributions.

Concessional and non-concessional contributions are subject to different contribution caps and other eligibility requirements. This can result in a complex and difficult landscape to navigate when you are trying to do it alone. Drawing on our deep knowledge of the relevant legislation, we can provide you with a customised superannuation plan that capitalises on all available opportunities.

 

Transition into retirement
If you are of “preservation age”, we can advise you on how to swap super contributions through salary sacrifice for a partial pre-retirement pension; a tax-effective method that can make a real difference to your total savings at retirement.

 

Consolidation of funds
Modern Australians typically change jobs 11 times, often forgetting superannuation accounts when they move on to the next opportunity. If left unchecked, these accounts can become diminished by fees and charges over time. We can assist in locating and consolidating forgotten super into a single account, maximising your savings power.

Build Wealth

Investments

Timeframes
It’s often easy to specify short and medium term goals, such as upgrading your house, purchasing an investment property or putting the kids through private schooling. Longer term goals, however, may be harder to define. As such, long-term goals may be less precise, “To live comfortably in retirement”, for example.

Notwithstanding, we can assist you in deciding what it is you desire and what is required to get you there.

 

Borrowing to invest
This is where you have a reasonable and steady level of surplus income and want to make it really work for you. Borrowing to invest or “gearing” is a strategy that can accelerate wealth creation, however, this strategy also carries a considerable level of risk. We will determine whether this strategy may be appropriate for you and help you through the process, including minimising and mitigating the associated risk where possible.

 

Managed investments
There are a huge number of managed funds available for invetsment, each with their own approach, management, performance and fees. Fortunately, this also means that there are bound to be a few that suit your individual situation. We are here to help you find a mix which will work for you.

 

Shares
You can invest in shares directly or indirectly (through managed funds). We are constantly reviewing and analysing company performance, dividend yields and broader market trends in order to keep abreast of the suitability of markets for investment, both in Australia and overseas. Sometimes shares can be an effective investment vehicle for certain circumstances with fully franked dividends an attractive and tax effective way to build an income stream. Your circumstances will determine just how suitable investing in the share market can be, and if you are investing yourself, you can also use us as a sounding board or second opinion when formulating your strategy.

 

Direct property
Property investment can be an efficient strategy – it’s decidedly a popular one. But it does tie up considerable capital and generally involves relatively large debts and long timeframes. We take a balanced view and help you to understand how direct property investment may fit into your overall portfolio, as well as putting alternative investment strategies in perspective for you.

 

Tax-effective wealth creation
We will look at options for you to manage your tax burden, always keeping in mind the trade-off between a tax effective investment vehicle which may provide sub-optimal returns, as compared to a higher performing investment which offers little or no tax advantages. We will guide you through the decision making process regarding the suitability of such investments.

Build Wealth

Managing Cashflow

Regular savings
Little changes to daily habits can lead to big outcomes. We can create a tailored savings plan that will get you on your way to where you want and need to be.

 

Debt repayment
Non tax-deductible debts such as credit cards, personal loans or mortgages can be the drain that takes you two steps back for every step forward. We provide advice in paying the right debts at the right time, ultimately freeing up cash flow.

 

Salary Packaging
Some employees are able to pay some personal expenses through their salary, before they pay tax. The end result being less tax and more money in your pocket which can be redirected towards achieving other financial goals. We will work out how this might work for you, should you be eligible under your employment agreement.