Provident Financial Services

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Provident Financial Services We are a group of experienced Financial Planners who are here to help you plan and manage your money

Our success will only be measured by the level of significance we have in the lives of our clients. To achieve a high degree of significance, we need to deeply understand you and your objectives (Plan), present tailored solutions in a consistent and engaged manner (Help), then review and adjust as your lives and plans change (Achieve). If we remain true to the essence of our vision then we aim to be significant in the lives of those around us. Paul Carter Pty Ltd ABN 16 079 780 895 trading as Provident Financial Services is an Authorised Representative and Credit Representative of AMP Financial Planning Pty Limited ABN 89 051 208 327 Australian Financial Services Licence 232706 and Australian Credit Licence 232706. Any advice contained in this webpage is of a general nature only and does not take into account the objectives, financial situation or needs of any particular person. Therefore, before making any decision, you should consider the appropriateness of the advice with regard to those matters. Please go to http://www.provident.com.au/Documents/Financial-Planning-FSG.aspx to view our Financial Services & Credit Guide or visit our website to find out more about our financial advice services.

Retirement is changing.More Australians are choosing a gradual transition into retirement, with nearly 40% preferring fl...
13/10/2026

Retirement is changing.

More Australians are choosing a gradual transition into retirement, with nearly 40% preferring flexible or part-time work arrangements rather than an immediate stop.

Having the right financial plan can make all the difference, giving you the confidence to reduce your hours, explore new opportunities, and enjoy greater work-life balance without worrying about your financial future.

Retirement isn't about stopping. It's about having the freedom to choose.

Talk to the team at Provident Financial Services about creating a retirement strategy that's right for you.

To finish off our Meet the Team series and introducing the wonderful people who help make the Provident experience so pe...
07/10/2026

To finish off our Meet the Team series and introducing the wonderful people who help make the Provident experience so personal for our clients.

Meet Sarah Lasek, Executive Assistant to Paul Carter, Managing Director, who will celebrate an incredible 15 years with Provident this November.

One of the things Sarah enjoys most about her role is getting to know our clients and being part of their journey. She loves seeing the hard work and planning that goes into building a successful retirement and watching our clients' goals become a reality.

Outside of Provident, Sarah enjoys spending time down south in Busselton, taking her dog for walks, and keeping up with a variety of sports. Whether it's AFL, cricket or American college football, she's always happy to settle in and watch a game.

A few quick facts about Sarah:

โ˜• Very strong coffee is her drink of choice
๐ŸŒ Anywhere in Europe is a favourite holiday destination, as she loves travelling and exploring new places
๐Ÿพ She enjoys spending time in Busselton and walking her dog
๐Ÿท Her ideal weekend includes time with family, catching up with girlfriends and enjoying a nice glass of w**e
๐Ÿช‚ A fun fact: Sarah once skydived out of a helicopter over the Swiss Alps!

Thank you, Sarah, for your dedication, support and the care you have shown our clients and team over the past 15 years. We are incredibly lucky to have you as part of the Provident team.

From 1 October 2026, the Australian Government will fully fund personal care services under the Support at Home program ...
06/10/2026

From 1 October 2026, the Australian Government will fully fund personal care services under the Support at Home program for eligible participants, meaning approved personal care services can be accessed at no out-of-pocket cost, subject to eligibility and available funding.*

At Provident Financial Services, we help individuals and families navigate aged care decisions, understand government assistance, and create strategies that provide greater peace of mind.

Contact our team to learn more.

*https://www.health.gov.au/news/personal-care-to-be-fully-funded-under-support-at-home-from-october

๐Ÿ† Congratulations to our client Mary-Ann Limerick We're delighted to celebrate Mary-Ann's recent success at the Perth Ro...
01/10/2026

๐Ÿ† Congratulations to our client Mary-Ann Limerick

We're delighted to celebrate Mary-Ann's recent success at the Perth Royal Show, where her homemade Lilly Pilly (Australian Native Berry) Jam was awarded Highly Commended in the Jams and Preserves category.

It's wonderful to see the passion, dedication and care that goes into a hobby recognised in such a prestigious event. A fantastic reminder that pursuing the things we love can lead to truly rewarding moments.

Well done, Mary-Ann. We are proud of your achievement! ๐Ÿ“๐Ÿ†๐Ÿ‘

With inflation remaining above the RBA's target range, interest rates continue to be a key focus for Australian househol...
30/09/2026

With inflation remaining above the RBA's target range, interest rates continue to be a key focus for Australian households, businesses, and investors.

In this latest edition of Oliver's Insights, Dr Shane Oliver, Head of Investment Strategy and Chief Economist at AMP, examines the Reserve Bank's decision to increase the cash rate to 4.6%, the factors driving inflation, and whether further rate rises may still be required. He also shares his views on the economic outlook and the potential path of interest rates in the year ahead.

https://www.provident.com.au/post/a-hawkish-hike-from-the-rba-to-4-6-this-is-likely-the-top-but-the-risk-of-another-hike-is-very-h

Continuing our Meet the Team series and introducing the friendly faces behind our Client Services team.Meet Leigh Ho**er...
25/09/2026

Continuing our Meet the Team series and introducing the friendly faces behind our Client Services team.

Meet Leigh Ho**er, who has been helping support our clients at Provident for the past three years.

One of the things Leigh enjoys most about her role is building strong relationships with our clients and helping ensure they have a positive experience. She also appreciates the variety that each day brings and enjoys being part of a supportive team.

Outside of Provident, Leigh is a busy mum of four who enjoys knitting and crocheting whenever she finds a spare moment. Family is at the centre of everything she does, and weekends are often filled with quality time together.

A few quick facts about Leigh:

โ˜• Tea is always her drink of choice, thanks to her English roots
๐Ÿ‡ฌ๐Ÿ‡ง Her favourite holiday destination is the UK, where much of her extended family lives
๐Ÿงถ She enjoys knitting and crocheting in her spare time
๐ŸŽฒ Her perfect weekend includes board games, table tennis and a traditional Sunday lunch with family
๐Ÿ† A fun fact: Leigh won a disco dancing marathon competition at the age of 12 and still has the trophy!

Thank you, Leigh, for the care, positivity and support you bring to our clients every day.

We're continuing our Meet the Team series and introducing the friendly faces behind our Client Services team.Meet Michel...
23/09/2026

We're continuing our Meet the Team series and introducing the friendly faces behind our Client Services team.

Meet Michelle Lau, who has been helping support our clients at Provident for the past four years.

One of the things Michelle enjoys most about her role is working closely with clients, advisers and insurance providers to help finalise insurance applications and assist with insurance-related queries. She finds it rewarding to help clients navigate the process and ensure everything runs as smoothly as possible.

Outside of Provident, Michelle is an avid tennis fan who follows all the Grand Slam tournaments and enjoys hitting the court herself for a social game of tennis or pickleball. She also loves spending quality time with her family and making the most of her weekends together.

A few quick facts about Michelle:

โ˜• Tea is her drink of choice, and she's 100% team tea
๐Ÿ‡ฏ๐Ÿ‡ต Her favourite holiday destination is Japan
๐ŸŽพ She loves following professional tennis and playing tennis and pickleball for fun
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘งโ€๐Ÿ‘ฆ Her ideal weekend is spent with family
๐ŸŽฎ A fun fact: Michelle enjoys playing computer games when she has the time

Thank you, Michelle, for the care, dedication and support you provide to our clients every day.

An Afternoon with Dr. Shane OliverProvident was pleased to host Dr Shane Oliver, AMP's Chief Economist for a presentatio...
18/09/2026

An Afternoon with Dr. Shane Oliver

Provident was pleased to host Dr Shane Oliver, AMP's Chief Economist for a presentation on the latest economic and market developments. Guests enjoyed an insightful discussion on the outlook for markets, interest rates, and the broader economy, followed by the opportunity to connect with fellow clients and our team.

It was a fantastic opportunity to connect with some of our clients, hear from one of Australia's most respected economists, and discuss the issues shaping today's investment environment. Thank you, Shane for taking the time to visit Provident and share your valuable insights with our team and clients.

Address

1, 81 Stirling Highway
Nedlands, WA
6009

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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