Norma Falconer

Think Capital

Platinum

10 Yrs Experience

Ascot, WA 6104

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Think Capital | Strategic Financial Planning Advice works online with professionals, business owners and their families Australia-wide.

We help Australians in their 40s, 50s, and 60s to make the financial decisions that matter most, helping to answer questions such as -

When should I retire?
How much is enough to retire?
How do I turn super savings into an income stream?
Should I commence an account-based pension?
How should my investments be structured?
How do I reduce unnecessary tax?
What happens if one spouse dies first?
How do I protect capital and still enjoy my life?
What happens to my wealth when I am gone?

These are not small questions.

They sit at the centre of your lifestyle, your family, your security and your future.

Most people do not arrive with one simple financial problem. They arrive with moving parts.

Superannuation. Pension options. Investments. Tax. Debt. Insurance. Estate planning. Adult children. Ageing parents. Business interests. Property. Inheritance. Retirement timing.

Think Capital brings those pieces together.

Led by Norma Falconer, CFP®, Think Capital uses a structured 9-point financial planning framework to connect your retirement income, superannuation, investments, tax position, debt, insurance, estate planning, family priorities and legacy goals into one coordinated financial strategy.

Retirement and Estate planning is our first discipline.

We suit clients who have worked hard, built wealth and now want clear advice before making decisions they cannot easily reverse.

Our clients value structure. They want straight answers. They want a strategy that reflects the life they want, the people they care about and the capital they have spent decades building.

Think Capital works especially well with -

People approaching retirement
People transitioning from work to retirement
Retirees who want stronger income and investment structure
Women seeking financial independence after separation, divorce, widowhood or major life change
Professionals, business owners and their families who prefer to work with female advisers
Business owners planning succession, sale or retirement
Families thinking about estate planning and intergenerational wealth
South African expats rebuilding their financial structure in Australia

Our advice is practical, measured and deeply personal.

We do not treat retirement as a product decision. We treat it as a life decision that needs financial discipline, tax awareness, investment structure, risk management and family protection working together.

If you want retirement advice that is calm, strategic and built around your whole financial life, Think Capital was built for you.

Prudent Advice. Practical Solutions. Progressive Results.

If you are looking for a financial planning firm that is Australia-wide, online, then head over to our website thinkcapitaladvice.com.au and schedule your strategy session today.

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

Initial Phone Call - Enjoy a complimentary (on our account) initial phone consultation where we discuss your personal and lifestyle goals and chat about how partnering with our team can get you there.
Personalised Fixed Pricing - We charge a professional fee-for-advice on a personal fixed-fee-basis (rather than a percentage-based arrangement). You know exactly what is coming. No surprises.
Ongoing Maintenance - Our retainer options offer flexibility to help you build confidence in your financial future, from foundational planning to tailored solutions for complex needs.
We Love Seeing Our Clients Succeed - We love a good chat, and never charge for phone calls

5.00 June 2026

Norma is patient and well informed, highly professional and a true leader in her industry.

She is trustworthy, honest and a real delight to work with. I'm so pleased to have Norma in my corner, I really feel supported and safe knowing she has my best interest at heart. Wouldn't trust anyone else.

5.00 May 2026

Norma has really helped me manage my financial circumstances and implement tax effective strategies to maximise my assets.

5.00 May 2026

Norma is not just interested in the business side of things but she takes a true and real interest in you as a person and goes out of her way to understand you and your unique situation. She truly cares about you as her client and that is a very rare and unique quality. What I appreciated about Norma that she took the time to explain complex matter to me in such a way that I could understand what it meant and how things worked. For us as South Africans it really made a difference to work with someone who understood our language and culture. She is very professional and have a high work ethic. I recommend her with the greatest confidence to anyone who is looking for financial help here in Australia. Thank you Norma, we truly value you.

5.00 May 2026

We were losing the will to live surrounding the topic of retirement! Seriously!

Self-employed for 30 years, mortgage free, no credit card debt, a small loan balance to pay off a renovation, two Air BnB's, we had invested in property as opposed to applying funds to superannuation and therein lay the problem. We had asked the wrong people, numerous times, those who can only deal in superannuation advice, for advice on a retirement plan.

Norma was enthusiastic, not dismissive, when we didn't fit the usual 'mould' and to our dismay we walked away after the first meeting in disbelief that our efforts to save for retirement were actually legitimate and workable, at last!

Norma gathered our financials after the most important engagement of listening to us, not a stringent pathway that couldn't be moulded to fit our personalities and our plans for our future.

Her team came back with five, yes five, strategies for our retirement consideration. We were stoked! We went from 'no choice' to an abundance of options, we gained understanding of timing, but most importantly we regained confidence. For us, this was key in the confusing world of figures and projections, what ifs and why fors.

We strongly recommend Norma and her team for anyone but especially for those of you like us, those who haven't followed the pathway of superannuation only.

We are grateful for the future that Norma has shown us, that we knew existed, that no one else seemed capable of working with.

5.00 May 2026

Thanks Norma, for always providing reliable, honest and timely advice, with our family’s best interests at the core.

Adviser status Platinum
Rating 4.81
Number of reviews 17
First year providing advice 2016
Years of experience 10
Highest qualifications
- Certified Financial Planner (CFP)
- Graduate Diploma of Financial Planning
Language spoken
- English