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Esther Althaus CFP®

Managing Director & Head Financial Advisor

Esther Althaus established Perspective Financial Services Pty Ltd in 2003 when she recognised that by helping other people achieve their goals she could achieve her own. Esther has become an award-winning financial adviser who is actively involved in the financial advice community through various committee roles and directorships with the Association of Financial Advisers. In particular, she is passionate about working with women in situations where they have separated/divorced, become widowed or inherited funds and have had little previous insight into wealth management. More recently, Esther is working with families in planning a smooth and healthy transition of wealth to the next generation. She finds it particularly rewarding to see families undertake this process and retain respectful relationships between family members whilst the needs of all concerned are met in a timely, appropriate and dignified manner. As a business owner, financial adviser and collaborative professional Esther has become known within the Family Law community as a financial adviser with a strong insight into the financial sensitivities of divorcing couples. She is often sought by various community organisations to present on a number of different topics including her inspirational career journey, workshops on financial literacy, financial empowerment for women and her insights into life, in general. Esther’s willingness to share her experiences, together with her no-nonsense and humorous manner, leaves her audience or those she works with inspired to take the next steps they need to in their lives.

Articles by Esther Althaus CFP®

Relying on an inheritance for financial security

Inheritance is often viewed as a future safety net for beneficiaries – funds or assets that may arrive in time to ease the financial burden of retirement, assist with housing, or support family goals. For many Australians, especially in major cities where living costs are high, the expectation of receiving an inheritance forms part of their long-term planning. While it can provide a welcome boost, relying on it too heavily brings significant risks.

What is superannuation?

Australia’s compulsory superannuation system has been in place since 1992. It started with a compulsory employer contribution of 3 per cent, which came as an agreement with government and unions, and on 1 July 2025 the compulsory employer contribution will reach a maximum of 12%.

Tax tips for the end of financial year (EOFY)

As the end of the financial year (EOFY) approaches, it's a great time to review your finances and implement strategies to minimise your taxes. Whether you're an employee, investor, business owner, or planning for retirement, here are some key considerations to ensure you're making the most of available tax benefits.

Tax deductible donations – get the most out of giving back

Giving to charity can be a great way to help others and give your tax return a boost, but not all donations are tax deductible. Here’s what you need to know about making a tax deductible donation.

8 quick wins for managing debt

Insurance 101: what is it and why do we need it?

Starting good financial habits in your first job 

Money and relationships – starting out right

How much super should I have?

Choosing the right school zone

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