What does lie beneath?

There is a view that markets make wealth and that, in creating personal wealth, the markets do the work.
They don't. The foundation of your wealth is you.

About Us


“What the client really wants is a life outcome: more time with the family, more time to develop their careers, more money to enjoy both today and in retirement”.

We are different because we don’t just talk about your money, your financial issues or your investment opportunities. We are different because we talk about you.

At Varria we believe that when people understand the characteristics that define wealth, real wealth, they can see the path to personal happiness with wealth.

Latest News

Cipher August 2018 Newsletter 1590 913 Clare Sanderson

Cipher August 2018 Newsletter

Australians are prioritising their goals and also looking at lessons learned from the blue zone for a long life.  One interesting question we are asked is should we lend money to family?  Cipher discusses these topics in it’s August edition.

Cipher February 2019 Newsletter 1624 910 Clare Sanderson

Cipher February 2019 Newsletter

Our latest release of Cipher provides a market update including the macro investment outlook and what ethical investing really means.

Cipher May 2019 Newsletter 1592 906 Clare Sanderson

Cipher May 2019 Newsletter

Our latest edition of Cipher has just been released.  We had the pleasure of assisting one of our clients with some fundraising.  Cipher this quarter also discusses retirement, contributing to your partners superannuation and getting ready for tax time.

Cipher August 2019 Edition 1599 909 Clare Sanderson

Cipher August 2019 Edition

Please check out our latest version of our Cipher Newsletter our articles this quarter discuss helping our grown-up children, the top 10 lifestyle costs and how to achieve and enjoy early retirement.

Cipher November 2019 Edition 1630 906 Clare Sanderson

Cipher November 2019 Edition

Please check out our latest version of our Cipher Newsletter for ways in which to accelerate your savings and the current state of low interest rates.  We also discuss resisting the temptations of today in order to be able to relax tomorrow and into retirement.

November Market Update 1500 362 Clare Sanderson

November Market Update

The table below provides details of the movement in average investment returns from various asset classes for the period up to 31 October 2019. Asset class (% change) 1 month 3 months 1 year 3 years (% pa) Australian shares -0.4 -0.9 19.3 12.6 Smaller companies -0.5 -1.8 14.4 10.4 International shares (unhedged) 0.4 2.7 15.8…

July Market Update 1500 362 SSJuanito

July Market Update

The table below provides details of the movement in average investment returns from various asset classes for the period up to 30 June 2019. Asset class (% change) 1 month 3 months 1 year 3 years (% pa) Australian shares 3.7 8.0 11.6 12.9 Smaller companies 0.9 3.8 1.9 10.7 International shares (unhedged) 5.3 5.2 12.0…

Inactive Bank Accounts 640 480 SSJuanito

Inactive Bank Accounts

The government has recently announced that financial institutions need to transfer all money from bank accounts that have been inactive for more than three years to the Australian Securities and Investment Commission (ASIC). Previously the account had to be inactive for more than seven years for the money to be transferred to ASIC. Although this…

Changes to Insurance and Action you Need to Take 2644 1586 SSJuanito

Changes to Insurance and Action you Need to Take

We often remember to insure our most favoured possessions, including our homes, contents and cars, however, our most valuable asset, ourselves and our families’ livelihood are often forgotten1. Some of us also hold our insurance as part of our superannuation. Insurance cover through super may be cheaper than cover outside of super depending on your…

© Copyright Varria Pty Ltd (ABN 23 108 047 383), trading as Varria, is an authorised representative of Charter Financial Planning Limited, Australian Financial Services Licencee (AFSL 234665).  This website contains information that is general in nature.  It does not take into account the objectives, financial situation or needs of any particular person.  You need to consider your financial sitution and needs before making any decisions based on this information.

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