The Banking Royal Commission raised concerns including qualifications, conflicts of interest with advice & vertical integration (referring to where the product owner has common ownership with the advisor who recommends the product).

Our RFS Wealth Creation arm has the proud tag lines of "Creating Wealth & Protecting Lifeestyle." It is operated by John Vaitsas who has Bachelor of Business in Accounting, Diploma of Financial Planning, Certified Financial Planning & an MBA.

RFS Wealth Creations clients range from Super balances of $50,000 to + $10M under management. John also manages clients risk insurances for those seeking to insure against sickness, or accident or life cover. These clients might earn as low as $50,000 to a recent example for a medical doctor. With insurance RFS Wealth offers all major retail insurers but also have access to mutual based insures who offer profit share based on premiums you pay. This is available for 13 professionals. John is one of approx 200 advisors offering this service in Australia.

Our business clients can get covered for business expense cover which covers fixed costs of the business if the owner suffers illness or injury.

RFS Wealth recommendations are based on using independent research to give advice in both insurance & Super to substantiate recommendations.

Commonly asked Q&A's

• Can RFS Wealth help me plan for retirement?

Yes, regardless of age RFS Wealth provides Financial modelling advice which includes all investment including (say) investment properties

• Can RFS Wealth review my position & see impact of aged pension entitlements?

Yes, RFS Wealth includes aged pension entitlements in modelling

• Can RFS Wealth help me see if my capital will last me past my retirement & also leave money to my children?

Yes, again this is part of what RFS Wealth do when assessing your retirement plan