Tom Cotter

Integral Private Wealth

Gold

11 Yrs Experience

Fortitude Valley, QLD 4006

About Tom
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Hi, I’m Tom Cotter, CFP®, and I help people prepare for retirement, grow their investments, and protect what matters most. Based in Brisbane, I work with clients across Australia to simplify their financial decisions and give them confidence about the road ahead.

I believe great advice should make life simpler, not more complicated. My goal is to take the complexity out of financial planning so you can feel confident about the road ahead. I’ll explain your options clearly, give you the information you need to make informed choices, and help you stay on track as life changes.

Over my career, I’ve guided many Australians through retirement planning, investment strategies, and wealth protection, always with a client-first approach. Every recommendation I make is intended to benefit you now and to help you build for the years ahead

I’m a Principal Adviser at Integral Private Wealth and an Authorised Representative of SIRA Group Pty Ltd. I value long-term relationships built on trust, transparency, and proactive support. If you’re looking for an adviser who will listen, understand your priorities, and guide you with clarity and care, I’d be glad to help.

Superannuation
Managing Debt
Retirement & Pension
Self Managed SuperFunds
Shares & Investments
Cashflow & Income
Complex Investments
Tax Strategies
Growing Assets
Wills & Estates

5.00 July 2025

Tom was recommended to me by a good friend of my wife who has good financial knowledge so it was a solid recommendation . I arranged a first meeting which went over an hour and said to my wife that night that I think we have found someone we can work with . A three way meeting followed and we both came away and after discussion agreed we were happy to engage Tom as our Adviser. We had just sold an apartment and I am about to turn 75 so getting correct and timely advice super was paramount. After we had maximised our super we wanted to invest non allocated funds so we wouldn’t fritter these away . Tom provided a solution that we eventually agreed with but we engaged in robust discussion which we all benefited from . A good decision to engage Tom and we are pleased he is on our side managing our financial plan.

5.00 April 2025

Tom has been my financial adviser since early 2021. Tom is very professional, knowledgeable, effective, pro-active and efficient. Prior to using Tom's services, my husband and I tried five other financial advisers, all of whom we found disappointing.

In addition to being a lovely person, Tom is always responsive and flexible. He has a superior knowledge of the complexities of the financial industry and is able to communicate concepts in a simple and easy to understand manner. Tom has answered all of our questions and offered many suggestions to improve our financial position. His ethics are beyond reproach.

Tom manages the investments in our SMSF. He has consistently outperformed the market. We are so delighted with his results that we have now shifted all our industry superannuation funds to Integral Private Wealth for Tom to manage. In particular, we like how Integral Private Wealth responds quickly to changes in the market rather than waiting for reviews with the client.

For the first time, we are now relaxed and confident with our finances. We have been happy to recommend Tom to relatives and friends.

5.00 March 2025

Tom is not only professional but very easy to talk to. He listened to my needs and objectives and helped to provide the direction I needed.

5.00 March 2025

Tom has been great at providing advice for our share portfolio. We would definitely recommend his services

5.00 March 2025

Tom has been knowledgeable and a fantastic help in guiding me to plan for my financial future. He has the great ability to break it down and improve my understanding of a complex industry. Tom has provided insightful information on investing and taking advantage of small business concessions. His ongoing management of my portfolios has given me peace of mind.