GLADSTONE · AUSTRALIA-WIDE SERVICE
Financial advice for Gladstone.
Living in Gladstone and thinking about your next financial step? Based in Brisbane, we work with clients Australia-wide through phone and Microsoft Teams appointments. We help connect your super, investments, cash flow and retirement plans with what matters to you.
Book a complimentary 30-minute meetingA first conversation about your goals, your questions and how we can help.
OUR SERVICES
Financial planning services that connect the pieces.
Whether you are growing a business in Gladstone, balancing a demanding career or planning your retirement, we start with your goals and work out which parts of your financial life need attention.
PLAN AHEAD
Retirement, super and SMSFs
Explore when you might step back from work, how to fund the life you have in mind and the role of super in your broader plan.
Explore retirement planning →CONNECT YOUR PRIORITIES
Investing, protection and family
Weigh up investment choices, cash flow and debt alongside personal insurance and your wishes for your family. Where needed, we can work alongside your accountant and solicitor.
Explore our services →HOW WE MEET
Your Gladstone plans. One connected team.
Work with the same Willow team from Gladstone or elsewhere in Australia. Choose a phone or Microsoft Teams appointment, without needing to travel to our Newstead office.
BRISBANE · IN PERSON
Visit us in Newstead
Lobby 1, Level 2, 76 Skyring Terrace
Newstead QLD 4006
Get in touch to arrange an in-person meeting at our Brisbane office.
AUSTRALIA-WIDE · PHONE & TEAMS
Connect from where you are
Choose the appointment format that suits you. Start with your questions about retirement, super, investing or how your finances fit together.
Talk with our team →THE PEOPLE BEHIND YOUR ADVICE
Get to know Troy and Jess.
Whether you meet us in person or online, you work with the same Brisbane-based team. We take the time to understand what matters to you and explain the next steps clearly.
FINANCIAL ADVISER & PARTNER
Troyden Ratcliffe
Troy is a Financial Adviser and Partner. He has worked in financial advice since 2015 and holds a Master of Financial Planning and a Bachelor of Commerce, majoring in Accounting and Financial Planning.
More about Troy →HEAD OF ADVICE OPERATIONS & PARTNER
Jess Last
Jess is Head of Advice Operations and Partner. She has worked in financial planning since 2015 and holds a Graduate Diploma of Financial Planning. Her experience spans client service, practice management, advice operations and paraplanning.
More about Jess →BEFORE WE MEET
Questions about financial advice in Gladstone.
Start with the questions on your mind. The first meeting is about understanding what you’re looking for.
What happens at the first meeting?
Your complimentary 30-minute meeting can take place by phone or Microsoft Teams, wherever you are in Australia. It is a chance to discuss your situation, ask questions and understand how we work. Personal recommendations come later, after we have gathered the information needed and agreed the work.
How much does financial advice cost?
The cost depends on the work involved. Initial advice and implementation fees are separate from any ongoing service fees. We explain the proposed scope and fees in writing before you proceed, including any applicable insurance commissions. Our Financial Services Guide explains how we are paid.
Can you work with my accountant?
Yes. We can work alongside your existing professionals where appropriate. Financial advice can consider tax implications, while your accountant and solicitor remain important for their specialist work.
START WITH A CONVERSATION
Start with a conversation.
Your first step can be a conversation from Gladstone. A complimentary 30-minute meeting is a chance to discuss what is on your mind, ask questions and explore whether Willow may be a good fit.
Lobby 1, Level 2, 76 Skyring Terrace
Newstead QLD 4006
Willow Wealth Partners Pty Ltd (ABN 57 666 182 556) is a Corporate Authorised Representative of Cobalt Advisers Pty Ltd (ABN 64 628 654 099), Australian Financial Services Licence 512550.
Important Information
Information contained on this website is of a general nature only. It does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on any of the information contained in this document. Subject to law, Cobalt Advisers Pty Ltd nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability, accuracy or completeness of the information; or accepts any responsibility for any person acting, or refraining from acting, on the basis of the information contained in this document.
© 2026 Willow Wealth Partners