Ben Zichy-Woinarski

Financial Adviser - Canberra

Ben is a financial adviser at RSM Australia.

He helps clients bring clarity and structure to complex financial decisions, ensuring their wealth supports both current lifestyle goals and long-term outcomes.

Since joining RSM, Ben has worked closely with clients to develop and deliver holistic financial advice spanning superannuation, investments, personal insurance and intergenerational wealth planning, with a strong focus on providing practical advice clients can understand and act on with confidence. He takes the time to understand each client’s full financial position to develop clear, integrated strategies aligned to their stage of life and long‑term objectives.

Ben specialises in personal insurance strategy, retirement planning and wealth transfer advice. He works with clients to understand their full financial position, including cash flow, assets, liabilities and superannuation, and develops clear, integrated strategies aligned with their stage of life and future objectives.

"I believe good financial advice should give clients clarity and confidence, so they can make informed decisions and move forward with certainty."

Protecting clients against financial risk is a key area of Ben’s expertise. He specialises in the design and review of personal insurance, including life, total and permanent disability, and income protection insurance. Ben structures insurance strategies to ensure cover is appropriate, sustainable over time, and continues to reflect clients’ changing circumstances. His advice focuses on delivering robust, cost‑effective protection that provides certainty when it matters most.

Ben also advises on superannuation and investments, helping clients balance growth, risk and tax efficiency across different life stages. He supports individuals approaching retirement by translating accumulated wealth into sustainable income strategies designed to be practical, resilient and aligned with their retirement goals.

For clients thinking about the next generation, Ben provides structured intergenerational wealth advice. He assists in developing strategies that improve certainty around benefit distribution, enhance after‑tax outcomes and ensure wealth is transferred in line with family intentions, with careful consideration of tax, estate structures and long‑term objectives.

What Ben values most about his role is working closely with clients to understand not only their financial goals, but also their broader priorities around lifestyle, security and family. He takes pride in simplifying complex financial matters and explaining trade‑offs in plain language, helping clients feel informed rather than overwhelmed.

He is motivated by seeing the tangible impact that well-structured financial advice can have, whether that is helping a family feel protected, giving a client confidence to retire, or creating clarity around long-term wealth outcomes.

Outside of work, Ben enjoys staying active and spending time with friends and family, valuing balance alongside his professional commitments.

Significant projects

• Led a comprehensive review and restructuring of a client’s life insurance strategy, analysing policy definitions, ownership structures and premium sustainability to deliver tailored, cost-effective long-term protection.
• Designed and implemented an intergenerational wealth strategy that optimised asset structuring and improved after-tax wealth transfer outcomes, providing clarity and certainty for beneficiaries.

Solutions Ben Zichy-Woinarski provides

Ben provides expert knowledge in the following areas:

• Financial planning and wealth management
• Retirement planning and income strategies
• Superannuation advice
• Investment strategy and portfolio structuring
• Life insurance and personal risk protection

Qualifications

• Graduate Diploma of Financial Planning, Kaplan
• Bachelor of Commerce, Australian National University