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Unit 7, FRINGE, 24 Iron Knob Street
Fyshwick, Canberra, ACT, 2609
Compare financial advisors in Canberra.
Construct Wealth is a Canberra independent advice practice led by founding PIFA members Phil Harvey and Naomi Horobin, operating as a corporate authorised representative of Independent Financial Advisers Australia (AFSL 464629). It is 100% independent — no product links, no commissions (any received are rebated in full), and no asset-based fees. The firm helps professionals, executives, doctors and people managing an inheritance or planning retirement to make conflict-free decisions.
Based on publicly available information and CompareMyAgents research. Last updated August 2026.
Best for
Canberra professionals, executives and pre-retirees who want fully conflict-free, independent advice — including anyone weighing what to do with an inheritance.
| Service | Price | Details |
|---|---|---|
| Retirement planning | Fee for service | Retirement strategy for professionals, executives and pre-retirees. |
| Investment advice | Fee for service | Conflict-free investment advice — any commissions received are rebated in full, with no asset-based fees. |
| Superannuation | Fee for service | Super strategy, consolidation and contribution advice. |
| Inheritance & windfall advice | Fee for service | Help deciding what to do with an inheritance or lump sum. |
| Personal insurance | Fee for service | Life and income-protection cover reviewed impartially. |
| Advice for medical professionals | Fee for service | Financial advice tailored to doctors and other professionals. |
Pricing based on publicly available information. Verify directly with the consultant.
A clear conflict-free promise: 100% independent, any commissions rebated in full, and no asset-based fees.
Led by two founding PIFA members, so you deal directly with the principals.
Set up to help people weighing an inheritance or lump sum, not just standard retirement planning.
A small two-adviser practice, so capacity is finite.
Advice is a paid, fee-for-service engagement; confirm scope and fees up front.
New to CompareMyAgents, so it does not yet carry verified reviews on this platform.
Based on CompareMyAgents research. Independent assessment — not provided by the business.
Google · 2 reviews
We consulted Phil as we moved into retirement. His advice was clear, research based, and always explained in depth. We felt well understood and expertly supported throughout the process, and as a result moved into our retirement with greater confidence. We both found Phil knowledgeable, easy to engage with, and highly professional. Based on our experience we highly recommend his service.
Jillian Catus
Google Maps
It was great to find someone that we were confident had our best interests as their sole priority. Phil did a great job understanding our situation and goals before tailoring a number of options that would work for us and giving us the reasons why he recommended them and not others. We would highly recommend Construct Wealth.
Michael Jones
Google Maps
A two-adviser independent practice with a clear conflict-free promise (commissions rebated, no asset fees), Construct Wealth suits professionals and pre-retirees who value impartiality over a product menu. Being small means direct access to the principals; confirm scope and fees up front.
Independent editorial assessment by CompareMyAgents. Not paid for or approved by the business.
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