This guide will take your cover letter from generic template to interview magnet. We’ll reveal exactly how to start with maximum impact, prove your worth through quantified client outcomes, and finish with confidence. Plus, you’ll discover insider tips on what Australian financial services firms are really looking for, complete with real examples that actually work. Whether you’re transitioning from paraplanner to adviser or bringing your financial planning expertise to a larger practice, we’ve got you covered.
Financial Planner Cover Letter Example (Text Version)
Rebecca Taylor
[email protected]
0429 876 543
linkedin.com/in/rebeccataylor
Melbourne, VIC
8 October 2025
Mr David Patterson
Practice Principal
Wealth Partners Australia
Level 18, 525 Collins Street
Melbourne, VIC 3000
Dear Mr Patterson,
When I discovered that Wealth Partners Australia is seeking a Financial Planner to service high-net-worth clients across your expanding Melbourne practice, I recognized this was precisely the opportunity I’ve been working toward. As someone who managed 85 client relationships with $42M funds under advice at Strategic Wealth Advisers—achieving 94% client retention rate, implementing comprehensive strategies that improved retirement outcomes by average $340K across 35 pre-retiree clients, and growing practice revenue by 28% through strategic advice and referral relationships—I’m thrilled at the prospect of combining technical excellence and client-centered advice for your sophisticated wealth management practice.
Over the past six years as a Financial Planner working throughout Melbourne’s financial services sector, I’ve repeatedly delivered results that match perfectly with your needs. I’ve provided comprehensive financial advice across superannuation, retirement planning, investment strategies, tax planning, estate planning, and risk insurance, conducted thorough fact-finding and needs analysis understanding client goals and circumstances, prepared compliant Statements of Advice meeting best interest duty and regulatory requirements, implemented recommendations coordinating with product providers, accountants, and legal advisers, reviewed client portfolios conducting annual strategy reviews and adjusting for changing circumstances, and maintained meticulous documentation ensuring full compliance with ASIC regulations and practice standards. My background spanning SMSF advice, aged care planning, and intergenerational wealth transfer has shown me that exceptional financial planning merges technical expertise with trusted advisory relationships—precisely what you require for high-net-worth client service.
What really attracts me to Wealth Partners Australia is your client-first philosophy and your reputation for comprehensive, strategic advice. I hold a Bachelor of Commerce (Financial Planning), Advanced Diploma of Financial Planning, Certified Financial Planner designation from Financial Planning Association, and completed SMSF Specialist Adviser accreditation. I’m proficient with Xplan, Class Super, and financial modeling software. I maintain comprehensive professional indemnity insurance and current knowledge of legislative changes through regular CPD. I’m convinced that financial planners aren’t merely product salespeople—we’re trusted advisers who improve client financial wellbeing, navigate complex regulations ensuring compliant advice, build long-term relationships based on integrity, and create strategies that help clients achieve life goals with financial confidence.
I’d welcome the chance to discuss how my proven ability to deliver quality financial advice while building lasting client relationships can enhance Wealth Partners Australia’s client service excellence. Thank you for reviewing my application, and I look forward to connecting with you soon.
Kind regards,
Rebecca Taylor
[email protected]
0429 876 543
linkedin.com/in/rebeccataylor
How to Format a Financial Planner Cover Letter
- Length: Max 1 page (3–5 paragraphs)
- Font: Arial, Calibri or Times New Roman (10–12pt)
- Spacing: Single or 1.15 line spacing
- Margins: 1 inch on all sides
- File format: PDF
What to Include in a Financial Planner Cover Letter (Australia)
Your Financial Planner cover letter needs to follow a results-focused structure that showcases both technical competence and client relationship excellence:
- Contact Details
- Salutation (Dear Hiring Manager or name)
- Opening paragraph – your hook and intent
- Middle – why you’re the best fit (skills + experience)
- Closing – call to action + sign off
Right vs Wrong Example
Right Opening: “When AMP Financial Planning announced expansion requiring experienced advisers to service pre-retiree and retiree clients—providing comprehensive retirement strategies, navigating aged care planning complexities, and delivering compliant advice under best interest duty—I instantly recognized where my background managing 120 client relationships with average age 58, implementing retirement strategies improving projected income by average 35% through strategic super contributions and transition-to-retirement pensions, and achieving 96% client retention through trusted advisory relationships could advance your commitment to retirement planning excellence while supporting clients achieving secure, dignified retirements.”
Wrong Opening: “I am writing to apply for the Financial Planner position that was advertised on Seek. I have experience in financial services and enjoy helping clients. I believe I would be a good fit for your practice.”
Entry-Level Financial Planner Cover Letter Tips
- Highlight progression from paraplanner, financial adviser assistant, or client services roles
- Showcase advice documents prepared, client meetings supported, or research completed
- Demonstrate understanding of advice process, compliance requirements, and client psychology
- Emphasize relevant qualifications (RG146, financial planning degree, working toward CFP)
- Reference any provisional adviser experience or supervised client interactions
Entry-Level Cover Letter Sample for Financial Planner
Right Entry-Level Approach: “While serving as Paraplanner at Melbourne Wealth Group for the past three years, I’ve progressively developed advisory capabilities including preparing 180+ Statements of Advice across superannuation, retirement, and investment strategies, conducting research and modeling for complex client scenarios, attending client meetings observing adviser interactions and client needs analysis, managing client administration including implementation and ongoing reviews, and completing provisional adviser pathway undertaking supervised client meetings. I recently achieved Certified Financial Planner designation and hold Advanced Diploma of Financial Planning. I prepared comprehensive retirement strategy for supervising adviser’s $2M client resulting in projected $180K additional retirement savings through contribution strategies and investment rebalancing. I completed 40+ hours CPD annually maintaining current knowledge of legislative changes. This blend of technical preparation experience and emerging client interaction demonstrated that effective financial planning harmonizes technical expertise with empathetic client understanding—capabilities I’m excited to contribute as a developing financial planner.”
Wrong Entry-Level Approach: “I’ve been working as a paraplanner for a few years and I think I’m ready to advise clients. I have my qualifications and understand financial planning. I’m looking for an opportunity to become an adviser. Please consider me for this position.”
Top Mistakes to Avoid in a Financial Planner Cover Letter
- Not mentioning relevant qualifications (RG146, CFP, financial planning degree)
- Being vague about funds under advice, client numbers, or retention rates
- Focusing only on sales without emphasizing advice quality and compliance
- Overlooking best interest duty, regulatory knowledge, or ethical practice commitment
- Not addressing client relationship skills, empathy, or communication abilities
- Generic applications without researching the practice’s client base or advice philosophy
- Forgetting to mention CPD, professional memberships, or staying current with legislation
How to Tailor Your Cover Letter to a Job Ad
- Match to their practice type (independent, licensee-aligned, bank-owned, boutique)
- Address specific client segments they mention (HNW, retirees, business owners, young professionals)
- Reference their advice approach (comprehensive, goals-based, investment-focused, holistic)
- Highlight relevant specializations (SMSF, aged care, estate planning, intergenerational)
- Align with their fee structure experience (fee-for-service, commission, hybrid)
How to Sign Off Your Financial Planner Cover Letter
- Use “Kind regards” or “Sincerely”
- Include full name, phone number, email, and LinkedIn profile
Cover Letter Signature Example
Kind regards,
James Chen
[email protected]
0421 876 543
linkedin.com/in/jameschen-cfp
How to Submit a Cover Letter in Australia
- Always attach as a PDF (unless instructed otherwise)
- Label file professionally (e.g. RebeccaTaylor_CoverLetter.pdf)
- Include copies of qualifications and professional indemnity if requested
- If submitting via Seek or LinkedIn, include brief intro
Final Tips for Writing a Great Financial Planner Cover Letter
- Lead with quantified client outcomes (FUA, retention rates, improved client positions)
- Balance technical expertise with relationship building and communication skills
- Show understanding of regulatory environment, compliance, and ethical obligations
- Emphasize client-first philosophy and commitment to best interest duty
- Demonstrate continuous learning through CPD and staying current with legislation
- Mention holistic advice approach considering tax, estate, risk, and investment interplay
More Resources for Job Seekers
Ready to nail your entire application? Check out our Resume Examples for the perfect complement to your cover letter. Prepare for success with our Common Interview Questions for financial services and advisory roles, and explore our Selection Criteria Templates for financial planning positions.
Remember, your cover letter should work alongside your resume to tell a compelling story about why you’re the financial planner they need. Concentrate on specific advisory achievements that demonstrate both technical competence and client relationship excellence, express genuine commitment to ethical advice and client outcomes, and always emphasize how you’ll provide quality financial planning while building lasting client trust from day one. With Australia’s financial planning landscape evolving through post-Royal Commission reforms, increased professional standards, and focus on client-first advice, practices are seeking financial planners who can balance technical expertise with ethical advisory, compliance rigor with accessible communication, and business development with genuine client advocacy. Develop your professional credentials through organizations like the Financial Planning Association and maintain current knowledge through ASIC regulatory updates to ensure your application reflects contemporary financial planning expectations and professional standards.
