Retirement Planning , Financial Planning and Personal Risk Advice you can trust

Whether you're just getting started , or planning on retiring soon, you'll find that our knowledgeable yet simple advice is more than enough to give you the peace of mind you need.

When you're dealing with any aspect of your personal financial health, you want advice from someone who you can trust to provide you with the resources you need to make an informed decision.

You need trusted  financial advice without the complicated terms and confusing jargon. That's why you should choose Arrow Focus on Wealth  , for a respected and trusted Gold Coast Qld based Financial Planner .

We understand how challenging it can be to get no nonsense, straightforward advice on how to maintain your current lifestyle, accumulate wealth or create financial safety nets.

It's why we offer you the chance to meet with us FREE OF CHARGE to have all your questions answered.

You only pay a fee when you decide to formally engage us with our services and we actually start the work for you.


To take us up on our completely free consultation offering, simply fill in our contact form or call us on (07)55 303 500.( 1800 731 328 Free Call)


Have you started planning for retirement yet? Whether its decades off or looming around the corner,you will need a solid plan in place and Arrow Focus on Wealth can help you to create that, even if you plan on retiring early.

While we work with clients who are 15 years or more from retirement ( usually aged 45 to 55), it's never too late , or too early , to start planning.

The key to planning for retirement is looking at what you would like to retire with and work backwards from that. Other factors to take into consideration include:

Assets -   What you have in terms of properties, savings and investments

Superannuation Fund - How much is in it and when you can get access to it

Official Retirement Age - When you can apply for your age pension and your eligibility.

Our retirement advice is multifaceted and takes into account a number of factors.

These include diversifying your investments to ensure they outpace inflation and reviewing spending habits.

It also takes into account any entitlements, concessions and rates you might be eligible for.

With superannuation laws changing often (with the introduction of transfer balance caps, removal of tax exemptions and cuts in concessional contributions caps to name just a few) 

you also need to make sure that your retirement plans are taking account with these changes.

If you're not sure where to begin, then don't worry. We'll start by working out your ideal retirement income and age. Then we help you translate this goal into various steps that you can work towards achieving on a yearly and monthly basis.

Don't wait another minute to get planning.

Book your 100% free, no obligation, retirement planning meeting with Steve from Arrow Focus on Wealth today by calling us on (07)55 303 500 or emailing

Qualified Financial Advice, With Generations of Life Experience 

There are many financial advisers and planners in Queensland.

 Arrow Focus on Wealth is different?

Steve and Janet, the founders and Directors of Arrow Focus On Wealth, are REAL people not someone dressed in a stuffy suit behind a desk.

What that means the financially sound advice offered, is based on a lifetime of real world experience combined with internationally recognised expertise.

We are a proudly Australian, family-run business based in Mudgeeraba, Queensland.

For the past three decades, we've been offering wealth creation, retirement planning and income protection assistance and advice to families just like yours.

Arrow works with individuals to meet their financial needs, goals, dreams and objectives. We use tailored strategic solutions from our core service areas of retirement planning, insurance as well as wealth creation.

We also assist individuals even further by providing advice through our established network of Business and Rural Accountants, Financial Advisers, Insurance Brokers, Business Experts,

Personal/Investment Finance/Leasing and Equipment Financiers, Taxation Specialists and Mortgage Brokers.

As a husband and wife team, Steve and Janet are a personable, popular couple who have experience raising children and grandchildren.

They understand the unique financial needs that people like you face at every stage of life, and have the professional qualifications and experience to advise you on it.

Arrow was formally started in 1999 by Steve and Janet Culpitt. Steve has over three decades of financial planning and service experience, and is a RG146 compliant and ASIC accredited Financial Adviser and Risk Insurance Specialist.

He is also an Authorised Representative of GPS Wealth Ltd (AFSL Licence 254544 and Australian Credit Licence No.254544) and a Sub Authorised Representative 270473 of Arrow who is the Corporate Authorised Representative of GPS Wealth Ltd. 

When Steve isn't advising you on your finances can find him either watching AFL (ideally Essendon!), or playing golf. He has also been known to love a good Dad joke or two over a beer at the golf club.

Janet brings over thirty years of experience as a Bank Manager and Financial Planner to the business.

A social butterfly, Janet is a big networker and runs her own networking events on the Gold Coast.

She loves supporting other business owners, and can introduce you to almost anyone on the Gold Coast. When Janet isn't managing the business or networking,  

you'll find her spending time with her family, relaxing on the beach and when a good song comes on, bopping away on the dance floor.

Arrow Focus on Wealth was created in response to the fact that Steve and Janet felt that Australians deserved an alternative to working with big retail banks.

They could both see that this scenario meant client's needs were not met in a personal manner.

Being the open, warm people they are, Steve and Janet wanted to create something unique, which is when their business was born.
"We understand firsthand that people don't come to financial planners just for advice. The come to us with hopes and dreams for a financial future and to make the best possible decision for their needs.
It's why we will only offer you individualised advice that's best for your needs even if it means recommending that you speak to one of our competitors." - Steve Culpitt

If you're ready to experience the Arrow difference, Contact Us today.  PH 1800 731 328 Free Call or 07 55303500

Financial Advice tailored to your Life Stage From Wealth Creation to Income Protection to Retirement Planning

At Arrow Focus on Wealth, we offer three core financial services that cater to distinct life stages, without offering a 'one size fits all' approach.

We understand that no two people are alike and our advice takes this into account.

We understand that you as a client want us to give you practical guidance on moving from where you are to where you want to be. Thanks to our approach, we've seen many people remain loyal clients, with us for decades.

It's been our pride to watch them go from strength to strength.

Our success is your success and you will soon see for yourself how we gain your trust by delivering excellent financial advice and professional service.

Allow Arrow to help you create and manage a plan for your future, using a combination of the below financial products:

  • Accident/Sickness/Disability Insurance
  • Allocated Pensions
  • Annuities (Deferred, Immediate and Allocated)
  • Business Expense Insurance
  • Income Protection Insurance
  • Life Insurance
  • Lump Sum Investments
  • Permanent and Total Disability Insurance
  • Personal Superannuation
  • Rollovers
  • Saving Plans
  • Trauma Insurance


Managing and improving your finances requires a strong understanding of your goals, lifestyle and core values. Arrow has assisted dozens of couples with flexible, holistic services.
We do this by following a set process:

  • Understanding your key goals
  • Identifying issues in the past or foreseeable future
  • Aligning goals with your long terms retirement vision
  • Educating you, so you can make informed and confident financial decisions
  • Recommending and Implementing solutions to compliment your finance strategy
  • Monitoring and Advising on solutions in the future

Have any questions? Then don't hesitate to give us a call today (07) 55 303 500

The information contained on this website has been provided as general advice only. The contents have been prepared without taking account of your objectives, financial situation or needs. You should, before you make any decision regarding any information, strategies or products mentioned on this website, consult your own financial advisor to consider whether that is appropriate having regard to your own objectives, financial situation and needs.
Whilst Arrow Focus on Wealth Pty Ltd is of the view the contents of this website is based on information which is believed to be reliable, its accuracy and completeness are not guaranteed and no warranty of accuracy or reliability is given or implied and no responsibility for any loss or damage arising in any way for any representation, act or omission is accepted by Arrow Focus on Wealth Pty Ltd or GPS Wealth Ltd or any officer, agent or employee of Arrow Focus on Wealth Pty Ltd or GPS Wealth Ltd.

GPS Wealth Ltd Head Office Level 15,115 Pitt Street ,Sydney. NSW 2000 Tel: (02)8074 8599

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