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.

Sangram Rana

When is the right time to wind up your SMSF?

For many Australians, running a self-managed super fund has been a satisfying way to keep control of retirement savings. With time, the effort and complexity can grow. The question becomes whether to continue, to simplify the way the fund runs, or to wind it up and move to a mainstream fund...

Jennifer Brookhouse CFP®

SMSFs – getting to know the fundamentals before you commit

Superannuation could be one of your most valuable assets after your family home, so it’s important to take an interest in how your super savings are managed to help achieve the retirement lifestyle that you desire.

Daniel Thompson

Financial planning essentials for young families

Mark O'Flynn CFP®

The 5 most common financial concerns of new clients

It’s not every day that someone wakes up in the morning and decides to get in touch with a financial planner. Instead, it’s often a pivotal moment, an event, or a concern of some sort, that first triggers the search for advice.

Julia Newbould

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%.

Julia Newbould

What is a beneficiary and why you need one for your super

The assets that make up your estate may include property, bank accounts, investments and superannuation. How your estate will be distributed after your death will depend on who you nominate to be beneficiaries in your Will. That is, your estate minus your superannuation – unless you have specifically nominated your estate to be the beneficiary of your superannuation.

Julia Newbould

How much super should I have?

Patrica Garcia CFP®

Smart money moves after a promotion: build wealth, not just lifestyle

Just got a promotion or a pay rise? Congratulations! While it’s tempting to celebrate by upgrading your lifestyle, the real key to long-term success is making smart financial decisions that help you build lasting wealth. Your increased income presents an opportunity to strengthen your financial foundation, achieve your goals, and secure a brighter future. Here's how to turn your pay rise into meaningful financial growth, not just temporary luxuries.

Julia Newbould

Super strategies – 10 years out from retirement

Much like exercise and eating well, your financial wellbeing is key to living a happy and healthy life.

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