Welcome to the Fluid Financial Planning website.

Written Quotes

We can provide you with a written quote before you start the initial advice process

Fixed Fees

We charge fixed fees so you will know what you are paying.


We can help you setup and manage your own super fund.

Clients First

Satisfying our clients’ financial needs is our main priority, not meeting sales targets.

Solution Provider

We provide solutions, we do not sell products.

Investment Research

We have access to unique investment research.

One Off or Packaged Solutions

We can provide a solution for one financial need or we can provide a range of financial services to meet your overall financial planning needs.


Having our own financial planning licence helps us to be nimble so we can tailor a solution to your unique situation.

Reduce your fees

We will use personal risk insurance commission to reduce the fees you have to pay to us.

About our website

This website is designed to give you an insight into our business and what sets us apart from other financial planner firms.

Our services and products are listed and we have provided general information on our fees and charges.

We have included information and calculators that we hope you utilise in the future. For instance you can subscribe to our monthly newsletter, review our financial library, ask us a question via email, or if you have a financial number you need to calculate you may find a calculator to help you.

What clients say

  • We were first introduced to Peter Small over 2 and a 1/2 years ago when planning my retirement. My wife and I felt immediately at ease with Peter and were quickly impressed with his depth of knowledge and attention to detail in helping us plan for the future. He helped us set up our SMSF and continues to provide ongoing support for it, together with general financial planning & investment advice. We have always found Peter to be very proactive with his recommendations in all aspects of the wide-ranging services he provides to us. Our queries receive prompt and detailed responses, and we have always appreciated that Peter 'goes the extra mile' to ensure we have all the facts to make informed decisions. We have no hesitation in recommending Peter to anyone seeking a financial planner.
    Ron & Margaret S
    Glenhaven, NSW
  • From our first meeting, Peter established a welcoming, non-intimidating, non-judgemental rapport and always gave us explanations that made us think more widely about our financial situation. This way, we remained in charge of the planning process, making decisions collaboratively with Peter guiding us with his professional approach and knowledge. As a very positive and educational experience we would highly recommend engaging Peter Small as your financial planner.
  • Peter has been fundamental in building a personalized and flexible financial plan for myself focused on wealth creation and financial independence.   He operates with the highest level of integrity, keeps up to date with domestic & global financial matters and is only ever a call or email away. Without hesitation, I would sincerely recommend Peter as a service oriented and professional financial advisor. Kimberly Teo, 24, Management Consultant

    Kim Teo
    Melbourne, VIC
  • My wife Jenny and I have been working with Peter for over 2 years to help us improve our financial position. After being subject for many years to the "advice" provided from one of the large institutions, it was a very positive and welcome change (and relief) to find in Peter someone who you actually feel is working in your interests, not just his own.
    Barry and Jenny Costin
  • Peter Small, has acted as my financial advisor for three years. He has given me sound financial advice. Nothing has been too much trouble for him and he has always answered my calls promptly, Peter has always been willing to go out of his way to help me. He has put time and effort into helping me start up my own business. I am most grateful for this and would happily recommend him as a financial advisor.
    Julie Phillips
    Bondi Junction