Stu Varidel

Heart Financial Advisers

Gold

24 Yrs Experience

Townsville City, QLD 4810

About Stu
Reviews
Work history & education
Leave a review
Get in touch
Back to search results

Stu Varidel MFinPlan, CRPC, ABFP, AFP is the Owner and Principal Financial Adviser of Heart Financial Advisers in Townsville, Queensland.

With more than 24 years' experience as a financial adviser in his own practice, with a career in financial services that began in 1986.

Stu has built a reputation for helping individuals, families, retirees and business owners make confident, informed financial decisions.

Stu holds a Master of Financial Planning, Graduate Diploma of Financial Planning, Chartered Retirement Specialist (CRPC) designation, Accredited Behavioural Finance Professional (ABFP) designation, and is an Approved Aged Care Adviser.

He is an Advice Practitioner Member of the Financial Advice Association Australia (FAAA) and is committed to the highest standards of professional competence, ethics and client care.

His advice philosophy combines technical expertise with behavioural finance principles, helping clients understand not only what financial decisions to make, but why they make them. He believes successful financial planning extends beyond investments and products to encompass coaching, accountability, personal values and long-term life goals.

Stu provides comprehensive advice across retirement planning, superannuation, investment management, personal insurance, aged care, estate planning and wealth accumulation strategies. His focus is on delivering practical, cost-effective and sustainable advice that evolves with clients throughout their lives.

Beyond his advisory practice, Stu has become a recognised advocate for Australian consumers and the financial advice profession. He is a strong voice on issues including access to affordable financial advice, professional standards, regulatory accountability, consumer compensation, retirement policy and adviser education. Through his industry commentary, public advocacy and engagement with policymakers, he continues to champion reforms that improve consumer outcomes while strengthening trust in professional financial advice.

In recognition of his contribution to the profession and consumers, Stu was awarded "Advice Advocate of the Year 2025", reflecting his commitment to improving professional standards and ensuring Australians have access to quality financial advice.

Government Assistance
Superannuation
Insurance Protection
Managing Debt
Retirement & Pension
Aged Care
Complex Investments
Growing Assets
Wills & Estates
Budgeting

Fees are negotiated on a case by case basis

5.00 August 2026

I have known Stu, as a client, for several years and my own experience has been nothing short of amazing.

Stu is very giving of his time, his knowledge and experience. He does this without any fuss or complexities and his explanations make real sense to me. A brilliant skill I believe.

I have been guided well by Stu financially and also in some life decisions. He just ensures you consider all aspects of your choices and decisions.

I can only recommend Stu to everyone - he knows his industry and he knows his audience too.

Every interaction I have with Stu is informative and enjoyable. I always leave with a smile of my face.

5.00 August 2026

We cannot recommend Stu Varidel highly enough. From our very first interaction, Stu demonstrated an exceptional level of professionalism, expertise, and genuine commitment to helping us achieve the best possible outcome.

The advice and guidance he provided were not only insightful and strategic, but also tailored specifically to our needs. Stu took the time to understand our situation thoroughly, ensuring that every recommendation was thoughtful, practical, and aligned with our goals.

What truly set Stu apart was the level of service he delivered. He consistently went above and beyond our expectations, remaining responsive, proactive, and dedicated throughout the entire process. His attention to detail, clear communication, and willingness to provide support at every stage gave us complete confidence and peace of mind.

Thanks to Stu's outstanding advice and exceptional service, we achieved results that exceeded our expectations. We are incredibly grateful for his expertise and would not hesitate to recommend him to anyone seeking a trusted advisor who is truly committed to delivering excellence.

5.00 December 2025

Thank you so much Stu.

Words really can’t express how much I appreciate having you guide our relationship with our finances.

I know that you feel like you are only doing your job, but for me personally, your guidance, encouragement, expertise and outstanding care for your clients has been life changing.

I am looking forward to further updates and discussions.

With much gratitude and kind regards.

5.00 October 2025

Stu is an awesome professional adviser that has helped me navigate a set of challenging circumstances and given me peace of mind that my retirement will be secure.

5.00 December 2024

I have been very impressed with Stu's high level of professional and extensive knowledge. His excellent advice has been life-changing.

I am extremely pleased to have him as my adviser & to know that his advice is professionally sound.

He provides me with a quality service at a very reasonable fee.

I am ecstatic that my investments are being managed so well. Over the last 12 months, my investment has returned 27.08% and over the past 15 years has been more than 10%.

Yes, I am very happy client.