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 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…

Insight – What’s Seasonal Investing? 1100 1100 SSJuanito

Insight – What’s Seasonal Investing?

Dr Shane Oliver – Head of Investment Strategy and Chief Economist, AMP Capital  Key points – Seasonal patterns typically see shares do well from around November to May and not so well from May to November. This partly reflects a combination of tax loss selling in the US, new year cheer and the pattern of capital raising…

Budget – The Long Awaited Surplus and Promises of Tax Cuts 1268 846 SSJuanito

Budget – The Long Awaited Surplus and Promises of Tax Cuts

Dr Shane Oliver – Head of Investment Strategy and Chief Economist, AMP Capital Diana Mousina – Senior Economist AMP Capital    Key points – The 2019-20 Budget “delivers” the long-awaited surplus and increased fiscal stimulus mainly via tax cuts/offsets. – The main risk is that the revenue boost is not sustained & the budget continues to have relatively…