OUR STORY
Whitelight Financial Services was established by Tim Cotton with a vision to create a financial advice business that genuinely listens to people and takes an interest in their goals, challenges and aspirations.
Over the past 15 years, Tim has worked with clients, families and businesses to help them navigate important financial decisions and build long-term financial confidence.
At the heart of Whitelight Financial is a commitment to forming lasting relationships and providing reliable, valuable advice through all seasons of life. We believe financial planning should be personal, thoughtful and grounded in a clear understanding of your full financial picture.
Our role is to guide, support and simplify the process so you feel informed and comfortable every step of the way
ABOUT TIM COTTON
Tim Cotton is the Principal Financial Adviser at Whitelight Financial, where he helps clients, families and businesses make informed decisions about their financial future. With over 15 years of experience, Tim has built his advice philosophy around listening carefully, understanding what matters most to each client, and providing clear, reliable guidance without the jargon.
At Whitelight Financial, Tim takes a holistic approach to financial planning. That means looking at the full picture — from superannuation, investments and retirement planning through to personal protection, aged care, estate planning, and debt strategy — so your plan is designed around your life, not just a single product or goal.
Tim founded Whitelight Financial Services with a simple but important aim: to create a business that genuinely cares about people and takes the time to understand their story. He believes strong financial advice should support you through every season of life and help you move forward with confidence.
If you’re looking for an adviser who values trust, clarity and long-term relationships, Tim would be pleased to help you take the next step.
Our Approach
INVESTMENT ADVICE
Our approach at Whitelight is to invest with high quality companies over the long-term. We do not speculate on the share market. We utilise the best available research and in-house expertise to develop tailored portfolios for our clients. We understand that every client is different and there is no ‘one-size-fits-all’ approach to financial advice or investing. We have a broad range of investments available to create a portfolio specifically for you to achieve your life goals.
If you are interested in investing or perhaps have experience with your own SMSF (Self-Managed Super Fund) or personal shares, talk to us about where we can provide a new perspective on your portfolio, and steer you towards meeting your financial goals.
SUPERANNUATION & RETIREMENT PLANNING
Most Australians will have some form of superannuation. Super continues to be a stellar opportunity for long term tax effective investment and retirement incomes, which aligns directly with our long term investment approach.
Our aim is to educate our clients on what super is, why it is important, what types of super are available and to advise on the best structure for your needs. Superannuation is an ever-changing environment and it’s essential to receive regular updates and advice to ensure that your super continues to provide you with the best possible retirement platform.
Self-Managed Super Funds (SMSFs) continue to be a retirement opportunity for many clients. Talk to us about an SMSF to discover if this is an opportunity that suits you, and to obtain realistic, honest advice about whether it will benefit you in the long term.
PERSONAL INSURANCE
We desire to protect and provide for our loved ones. This is the backbone of your financial plan and the heart of our advice and strategies. Whitelight exists to help you to discover your goals and to walk side by side with you through the different seasons of life. We understand that obstacles do arise. We have a responsibility and a commitment to plan ahead for challenging times so that your goals can still be achieved. We will work together with you to find a real solution for your specific personal and family needs.
ACCOUNTING & TAX
Financial planning and accounting go hand-in-hand, and every financial decision has a tax impact for you. We understand this at Whitelight, which is why we work closely with your accountant to ensure that our advice marries together with your tax planning strategy. Whitelight Financial Services does not provide accounting services but we have professional business partners to suit your individual needs
AGED CARE
Health care has advanced at an exceptional rate as we strive to improve the quality of life for our loved ones. When we consider aged care there are many decisions & questions that individuals and families will face. Our aim is to enable you to focus on the needs of the person requiring care, as we guide you in the financial decision making process. Significant change has occurred within the aged care industry and this will only continue as Australia’s population ages. Take the guess work out of aged care – get in touch with us to assist you in this important time.
ESTATE PLANNING
So you’ve made it to retirement, ticked off your bucket list and you have a great nest egg to support you in a happy and comfortable lifestyle. Your next concern? Your children, your grandchildren, who will most likely be staring down the barrel of incredibly high mortgages. Have the peace of mind to know you can help them in the future and pass on your assets in a tax effective and simple manner. We provide ongoing and tailored advice on your estate plan, considering your unique family situation.
It’s never too early to consider how and where your assets will be passed on. In fact, structuring your assets well from the start can create a much larger estate for your family. We work with dedicated and experienced lawyers to ensure that your plan continues on after you do.
Ready to Shine Bright?
If you’d like to discuss your financial goals and see how Whitelight Financial can help, contact our team to arrange a consultation.