James Harding
Managing Partner, CFP®
CFP® with 18 years advising high-net-worth families and business owners. Former Head of Private Wealth, ANZ Private.
Your financial future,
clearly planned.
Independent wealth advice for professionals and business owners who want a plan built around their life — not a product someone is paid to sell them.
- $240M+ Under advice Across 320+ client families
- 18 Years of advice Founded 2007
- 320+ Client families Many since year one
- 100% Fee-for-service Zero commissions, ever
The partners
Your advisers.
Senior practitioners with decades of combined experience in private wealth and investment management.
Claire O'Brien
Partner, CFA®
CFA charterholder, portfolio construction specialist. 14 years in investment management before joining Meridian in 2018.
The Meridian difference
Advice the way it should be.
Genuinely independent
We hold our own AFSL. We receive zero commissions, referral fees, or payments from product providers. Our only income is the fixed fee you agree to in writing before we start. Independence is not a marketing claim — it is our business model.
How we charge
A plan, not a product
Our engagement starts with a comprehensive financial plan covering every aspect of your situation — investments, super, insurance, tax, and estate. The plan comes first. Products are chosen to implement it, never the other way around.
We had accumulated significant assets across super, property, and shares with no coherent plan. Meridian mapped it all out clearly, restructured our super, and showed us we could retire three years earlier than we thought.
Our services
Advice that covers the full picture.
We do not just manage investments. We plan around your whole financial life.
Investment Portfolio Management
Globally diversified, tax-efficient portfolios built to your risk profile and goals — not our product shelf. Ongoing monitoring and rebalancing included.
Learn more →Retirement Planning
When can you retire? What will it cost? How do you make your super last? We answer these questions with precise modelling, not rules of thumb.
Learn more →Tax-Effective Structuring
Company, trust, or self-managed super? We work with your accountant to structure your affairs for long-term tax efficiency — not just this year's return.
Learn more → Before your first meeting
Common questions.
If you have complex assets, are approaching retirement, have sold a business, or want a plan that goes beyond superannuation defaults — yes, advice typically pays for itself many times over.
We work with clients with investable assets from $250,000 upward. Our fees are fixed and agreed in writing before any work begins.
Yes. We hold our own AFSL and receive no commissions, referral fees, or payments from product providers of any kind. Our only income is the fee you pay us.
Book your complimentary discovery meeting.
No obligation. No pitch. Just a conversation about your financial future.