Joel Perryman

Provisional Financial Adviser, Integritas Wealth Advisers

Joel Perryman is a Provisional Financial Adviser with a unique career journey, transitioning from gym owner to financial advice professional. Current Chair of the Emerging Professionals Committee and a 2025 finalist for the prestigious Tony Munday Award, Joel is recognised for his leadership. A career-changer, Joel brings a diverse skill set and a client-first approach, underpinned by his completion of the Bachelor of Financial Advice at the University of South Australia in 2023. He thrives on helping people take control of their financial future, blending technical knowledge with genuine care and understanding. Outside of work, Joel is a devoted husband and dad, a passionate Richmond Tigers supporter, and a self-confessed all-round nerd. Whether on the field, in the office, or at home, Joel brings energy, empathy, and enthusiasm to everything he does.

Articles by Joel Perryman

Joel Perryman

Superannuation is your secret weapon for wealth building

When you’re running your own business, superannuation can feel like an afterthought – something for employees, not entrepreneurs. But here’s the truth: super is one of the most powerful investment vehicles available to sole traders and business owners in Australia. And it’s not just about retirement – it’s about building wealth, protecting your future, and taking advantage of some of the most generous tax incentives in the financial system. Let me show you how.

Tony Sandercock CFP®

Burning questions every 30-something should be asking

Your 20s were about learning and finding your direction. Your 30s are about getting organised - especially when it comes to money. At this stage, you might have a mortgage, a growing career, or perhaps a young family. If your finances still feel a little unstructured, don’t worry. It’s the perfect time to take stock, plan, and build a foundation for long-term security.

Joel Carty CFP®

Building an emergency fund on any income

Australians are feeling the pinch. Uncertainty around interest rates, mortgage repayments, record rents, and the ever-increasing cost of groceries and fuel mean many households are struggling just to keep up. For many families, one unexpected bill - car repair, medical expense, or time off work - can send finances into a tailspin.

Joel Carty CFP®

Investing with purpose

We’re living in a time where climate change, social inequality, and corporate accountability aren’t just headlines - they’re shaping how people think about their money. More Australians are asking, “Can my investments reflect the kind of world I want to live in?”. Ethical investing offers a powerful way to answer that...

Thabojan Rasiah CFP®

The two questions that simplify life

Modern life is noisy. News alerts ping our phones, inboxes fill with reminders, and social media never runs out of opinions. Add to that the ordinary demands of work, family, and money, and it’s no wonder so many of us feel stretched thin. Every day seems to demand a decision: Should I be doing more? Am I doing the right things? The truth is, most of us make life more complicated than it needs to be.

Thabojan Rasiah CFP®

Hope isn’t an investment strategy

Not long ago, a friend told me about the “next big thing.” It was a company he was certain would double in value within months. He couldn’t explain much about the business itself, but he was excited because “everyone” was talking about it. His plan, if you could call it that, was simple: buy now, hope it went up, and sell later at a profit. That word – hope – comes up often when people talk about money.

Julia Newbould

How to get out of debt

Many of us have debts and bills to manage, but what happens when you’re really struggling to pay? Find out what to do when you fall behind with bill or loan payments and what to expect if you do.

Josef Jindra

Planning for parental leave

The news of a new arrival is a symphony of emotions - joy, excitement, and perhaps a touch of apprehension. Yet, amidst this beautiful anticipation, a practical reality often emerges: the financial implications of taking time off work.

Daniel Thompson

Financial planning essentials for young families

Joel Carty CFP®

Build wealth or pay the mortgage – what are your options?

For many Australians, deciding whether to focus on building wealth or paying off the mortgage is a major financial crossroads. With uncertainty around interest rates, inflationary pressures, and a mixed economic outlook, the question has become even more relevant in 2025. Should you channel extra funds into your home loan, or invest t elsewhere to build your financial future?

We’re here to help you

Become a contributor

Do you have an idea for an article? We want to hear from you. Simply fill in your details and we will get in touch.

Find a Planner

Search for a local financial advice professional to help you with your financial needs and goals

Start preparing for your financial freedom today