Tom Cotter

"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."

"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."

"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."

"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."

"I’ve been a client of Tom Cotter’s for ten years. As a doctor, I have little time to consider financial decisions regarding superannuation, investments etc. Tom has always been able to explain and answer any questions regarding these matters easily and in a way that I can understand. My finances have benefited extremely thanks to Tom."

"Tom has been my financial adviser since 2021. Over the past 4 years he has, at my request, simplified my superannuation by reducing the number of investment managers and investments, and changed the wrap service to one that gives me better and more accessible performance information, both of which were sources of frustration previously. He has also set up my account based pension, introduced a managed account arrangement to take timely advantage of advice from the asset manager engaged by Integral Private Wealth, proactively recommended tax reduction strategies and introduced a long term forecast tool to assess the range of likely outcomes of my investment and drawdown plans.

Tom is an effective communicator, who is willing to use in person meetings, online meetings, phone calls and emails as appropriate. We have half yearly face to face review meetings (face to face is my choice), for which Tom prepares an agenda to cover current performance, forecast outcomes, opportunities and risks. He also contacts me to explain the changes that he proposes to make to my investments following the quarterly meetings of the asset manager. He has good availability and responds promptly.

Tom demonstrates good understanding of the matters that he discusses and welcomes my questions. He is able to confidently reply to those questions, which I find reassuring."

"Tom has been the perfect fit for me from understanding my goals to how we will achieve them. Couldn’t be happier with the help and advise he has given."

"I have been Tom's client for the past three years. Tom is my first experience of dealing with a financial adviser. In the past I have always managed both my businesses and SMSF independently. Tom came highly recommended by my sister who has a background in Accounting and Business Management and I am extremely delighted to have Tom managing my affairs. I find Tom always accessible, a great communicator and proactive in his strategies. And on top of that he is a delightful person. As I am getting older and less inclined to keep up with our ever changing financial world, Tom has proven to be just the right financial manager for me. Given the explosive nature of the world we live in, it has been extremely gratifying to have had Tom in my corner and to reap the benefits the great returns he has managed to achieve. My life is now very financially comfortable and stress free thanks to Tom."

"Tom has been wonderful to deal with for my family. We initially met with Tom to discuss personal insurances when we built our first house and he talked us through all the cover we needed in terms we could understand. He explained everything we would be covered for and left us feeling comfortable we were safe should anything happen. Since then we have talked to Tom about our super and investments in planning for our future. Tom's knowledge and ability to explain how our investments will positively impact our future has left us extremely happy and confident we will be in a great financial position well into our later years."