About

Personal advice, from one adviser you deal with directly.

Terra Financial is the advice practice of Joubine Bernard, based in Coomera on the northern Gold Coast. I work with individuals and couples on superannuation, insurance, investment and retirement planning.

How I work

Clarity and transparency, from the first call.

Every client deals with me directly, from the first conversation to the written advice and the years after it. You'll know what I recommend, why I recommend it and how I'm paid before you decide anything.

The first conversation is a free video call. If advice won't make a meaningful difference to your situation, I'll tell you.

Meetings are by video call, so I can work with clients anywhere in Australia. Advice is available in English and French.

Licensing

Who stands behind the advice.

  • Joubine BernardSub-Authorised Representative, AR No. 1313335
  • Terra Advisory Group Pty LtdCorporate Authorised Representative, CAR No. 1318912
  • 2DM Capital Pty LtdAustralian Financial Services Licensee, AFSL No. 563434, ABN 93 680 522 936