Nathan Fradley FChFP   (He Him)

I’m Nathan, an Independent, Specialist Financial Adviser based in Melbourne, Australia.

​

With tattoos, curls, and no tie in sight, I’m not your conventional financial planner. But it’s my technical depth, straight-talking approach, and genuine ability to meet people where they’re at that has built my reputation across the profession.

​

For more than 13 years, I’ve worked with individuals and families across Australia through some of the most complex and emotionally charged financial moments of their lives: Aged care, Divorce & Family Law, Centrelink, Estates, Total and Permanent Disability (TPD), and Compensation matters.

 

This is advice at its most human. It’s not just about money; it’s about dignity, control, and peace of mind.

 

How I Help

My practice is dedicated to helping people through:

• Aged care advice and funding strategies

• Divorce financial planning and separation outcomes

• Centrelink and aged pension entitlements

• Estate and inheritance planning

• TPD, insurance, and compensation outcomes

 

These are not neat, cookie-cutter scenarios. They are layered, emotional, and often time-critical.

​

My role is to bring clarity, structure, and confidence when families feel overwhelmed and unsure of what’s next.

 

Media, Education & Giving Back

I’m the Co-Host of Weaving Gold, a podcast focused on the real financial lives of those navigating later-life transitions, ageing parents, loss, and independence.

​

I’m also a regular guest on Glen James’ Money Money Money – Retire Right and regular feature on The Australian’s Money Puzzle, where I help unpack complex topics like aged care costs, pensions, and later-life planning in plain English.

​

Alongside client work, I co-host the industry podcast Challenge the Standard, where we openly discuss what’s broken, and what needs to change, inside financial advice. I mentor emerging advisers, contribute to professional education, and regularly speak at national industry events.

Giving back to the profession that’s shaped my career isn’t optional for me; it’s part of the job.

 

My Story

I’ve been a financial adviser since 2011. After starting my career within a Big Four environment, I co-founded my first practice, Lime Financial Planning, where I began to specialise in complex, later-life and transition-based advice.

​

In 2021, Lime was acquired by Tribeca Financial. I remained as a Lead Adviser, further refining my specialist work in aged care, retirement, and complex family wealth matters.

​

In 2024, I stepped away to start again under my own name; this time with complete independence.

 

Today, I run a boutique specialist advice practice focused entirely on people navigating major life transitions, where the stakes are high and the decisions truly matter.

 

Recognition

My work has been recognised with multiple industry awards, most recently being named 2025 IFA Thought Leader of the Year. While recognition is meaningful, it has never been the reason I do this work. The real privilege is being trusted at moments when people feel most uncertain.

 

Am I the right adviser for you?

I don’t believe good advice is about maximising products or chasing performance. I believe it’s about helping people make clear, confident decisions when life is messy, when health changes, relationships end, parents decline, or responsibility suddenly lands.

​

If you’re looking for advice that is technically strong, emotionally grounded, and genuinely independent: you’re in the right place.

​

​