Thomas Cotter

My wife and I have been associated with CA Financial Services for approximately 25 plus years going back to when they were known as Cotter Associates. Initially dealing with Guy Cotter as my personal financial planner who gave outstanding advice especially in relation to transition to retirement strategies. This advice set us up at an early stage to ensure our money was working hard and being tax effective.

Since Guy moved away from the business to enjoy a well earned break with his wife Vicky and his many grandchildren, Thomas, whom we had known since he was a small child, moved into the role as our adviser.

Thomas has continued on the very professional and highly ethical role of looking after our plans and needs ever since. My wife retired from child care after 20 years early on and I was able to join her at the age of 64 due to the outstanding advice given by both Thomas and Reyna Harwood who backs up Thomas with her own specialised advice. Without Guy, Thomas and Reyna’s advice over such a long period of time we could not be enjoying such a comfortable and enjoyable retirement as we do.

Some people complain about paying adviser fees but to my mind they have well and truly earned every fee that they charge and I would be happy even if it was more (but don’t tell them that) because without someone looking out for us the outcome would be very different, and not in a good way. I can recommend CA Financial Services and their entire team 100% and hope to do so long into the future knowing my finances are in good shape.

During the past 8 years CA Financial have helped my husband and I to achieve our retirement goals. We feel quite financially secure in our retirement and have a total understanding of our investments. We put that down to our amiable adviser and his team who have excellent communication skills with good explanations of financial investing. We feel secure with the continuing advice and implementation we have received as well as a feeling of friendship with our advisor and his team.

I returned to Australia in 2010 after spending over 35 years in the UK. No Australian super and two quite small UK pensions. I had 10 years of employment to accumulate as much super as possible to secure a comfortable retirement. I feel very fortunate to have chosen CA Financial Services who have made this a reality. Guy Cotter was my first adviser and the recommended transition to retirement strategies ensured that following my retirement in 2020 I had sufficient funds. Regular meetings and phone catch-ups initially with Guy, then with Guy and his son Thomas and now with Thomas ensure that I am fully aware of my financial position. Before face-to-face meetings I am sent detailed reports with track the performance of my super. Investment changes and options are discussed fully. I feel very confident that CA continue to recommend options that are appropriate to my lifestyle. I have no hesitation in recommending them.

Guy Cotter introduced himself to me on Martin Place, Sydney in 1983 and after talking with him I opened my first AMP Endowment Policy.

After 41 years, Tom Cotter is preparing my transition to retirement.

This long association with CA Financial Services is a testament to the confidence and special personalised relationship that I have enjoyed with the CA Financial Services team.

Financial planning is not a set and forget proposition.

As you move through life from single, to married, to family, to retirement, the balance between Superannuation, Life Insurance, and Income Insurance are forever changing.

CA Financial Services get to know you and your family, and regularly review your financial plan to minimise your financial risk with insurance and maximise your return from your financial investments.

CA Financial Services have helped me care for my family and achieve a retirement where I can be financial independent.