Our People


Robert is a Director based in the Perth office of RSM Financial Services Australia Pty Ltd.

He joined the firm in 2007 to provide technical and financial modelling expertise to the financial adviser group. In 2011 Robert moved into an advisor role and now provides comprehensive strategic advice to a range of clients with differing circumstances. Robert Zammit financial planner

Robert decided to join the financial planning industry when he realised he was able to utilise his skills in economics and investments to help enhance the lives of clients and their families. Robert is a firm believer that once an individual’s finances are in order, they can relax and focus on the more important parts of life such as family, holidays, sport and hobbies, all of which he very much enjoys himself. 

"I am motivated by allowing clients to seek financial security to allow them to do what they want to do rather than work. Also educating our clients so they understand their finances and how to make the wisest decisions with their wealth."

Robert is part of the new generation of financial planners who aims to build long lasting relationships with his clients. He takes away the stress and worry of finances by getting his clients from where they are now to where they want to be financially. This allows his clients to focus on their personal lifestyle goals, knowing that their finances are all in order. 

Clients who will benefit most from Robert’s expertise are those who are time poor whether it is due to family commitments, wanting to focus on other things in life or are busy running a business and need to out source the financial complexities in their lives. 

Robert aims to educate his clients along the journey of receiving advice by building his clients’ financial knowledge and understanding. He finds that when an individual has some understanding of their finances they are prepared to make sound financial decisions which enhances their financial outcomes. 

Outside of work, Rob loves fishing, keeping his marine aquarium, kayaking, or any sport. He is an energiser bunny and loves to work out to get the best outcomes.

RSM Financial Services Australia Pty Ltd ABN 22 009 176 354 AFS Licence No 238282.

Robert Zammit is a Partner of RSM Australia Partners and a  Director of RSM Financial Services Australia Pty Ltd.

Solutions Robert ZAMMIT provides

  • Maximising wealth in the lead up to retirement
  • Mitigating individuals risk using a range of insurances
  • Financial modelling
  • Objective based financial advice
  • Personal private banking services for those who are time poor
  • Education focusing on financial investments, strategies and market updates


  • Robert is known for his ability to have tough discussions with clients to ensure that their investment decisions and strategic planning in the lead up to retirement is optimised based on their personal circumstances.
  • Works with high net worth individuals who want to responsibly build and grow their wealth over time.

Professional Associations

  • CFP® professional, Financial Planning Association of Australia (FPA)
  • WA Chapter Committee Member, Financial Planning Association (FPA)


  • Bachelor of Commerce – Economics & Financial Planning (Curtin University)


  • basic_illustrations-01-award_best_practice.pngFINALIST, IFA EXCELLENCE AWARDS 2018 - Best Client Servicing Individual
  • FINALIST, FPA AWARDS 2017 - Professional of the Year Award
  • FINALIST, FPA AWARDS 2017 - FPA Certified Financial Planner

Super funds are not collectables: how multiple funds might be costing you more.

4 March 2020
They say that we will change careers five times in our life. But how many times do we change jobs? Every time we change a job we need to provide our superannuation fund details to our new employer. Individuals who are not engaged with their superannuation have a tendency not to forward on their superannuation details to their new employer.&...

Understanding the new and improved downsizer contributions rules

8 October 2019
A variety of factors come into play when determining if you should downsize the family home. The downsizer superannuation rules came into effect in July 2018. They were designed to allow people to sell their home which they have owned for over ten years and contribute the money to their super account.  The idea was to encourage people t...

It will pay to be lazy with Bill Shorten's franking credit changes

1 May 2019
The financial system in Australia has always been based on some simple fundamental principles. An underlying ethos of the more you work, the more you earn, the more tax you should pay. As much as we may despise paying tax, we all accept this as fair.  We understand that the more you earn, the more you should contribute to running the countr...

Not super to keep on meddling

23 April 2019
No wonder people aren’t engaged with their superannuation and don’t pay attention. For young people like myself there are most likely going to be another 100 rule changes before we can access our superannuation and here comes another set of proposed changes. Political powers are now discussing the Productivity Commission’s idea...

Insurance matters, so hang on to those superannuation accounts

21 March 2019
About 28 million superannuation accounts for 25 million Australians look to be way too many, and seemingly justifies a Federal Government campaign to forcibly consolidate funds. Many will say we have too many accounts because people change jobs and do not elect where their superannuation should be paid to. This forces employers to open a new acc...

Reducing financial pressures in the face of critical illness

13 November 2018
We are taught from a very young age to plan for success, yet no one teaches us to plan for failure or the unexpected. Nowadays it is even worse, we don’t even let our kids fail, they all get a medal in the school carnival. Unfortunately, this is not reality, sometimes unexpected health events occur which can knock our plans around.  This ...

Donations really do pay dividends

13 October 2017
You may think that rarely does a financial advisor suggest to clients to give away some of their hard earned wealth as a donation. The good news is there are real financial rewards and benefits in doing so, not to mention the feel-good factor and social benefits which arise. Many people may decide to leave a portion of their wealth ...

Lorna's Story - Accessing super early in the case of terminal illness

13 September 2017
Being diagnosed with a terminal illness can strike unexpectedly causing uncertainty and stress about the future. Establishing a plan for your next steps can be an important part of putting your mind at ease. Over two year's ago, Lorna was diagnosed with terminal stage 4 metastatic cancer.  She was told that she had less than 12 months&nbs...

Self Employed - Boost Your GESB Super with PAYG from the WA State Government

26 June 2017
If you are a former employee of the WA State Government and now earn your living through your own business, you’ve probably been enjoying some of the pay-offs of the contributions rules afforded to you as a result of being a member of the GESB West State Super Fund. If you’re not sure what we're referring to, check out our article >&...

Last Chance to Sell Down Chunky Investments for Retirement Using GESB West State

9 June 2017
Do the latest changes to Super present the last opportunity for former WA State Government employees, to capitalise on their West State Super before retiring? We have been working with numerous self-employed people, including former employees of the WA State Government, to help them maximise the Super Fund balances for retiremen...

GESB West State Super - actions for self-employed members

29 May 2017
Are you a self-employed GESB West State Super member? You may be entitled to unique benefits, but act now before they disappear after the 30 June deadline.   >> Contact a GESB specialist today >> Find out more about the GESB West State Super changes here   ...

GESB West State Super - what changes are coming?

29 May 2017
Super Changes affecting GESB West State members are coming from 1 July 2017. Find out from one of RSM's GESB superannuation specialists what to do before the 30 June deadline.   >> Contact a GESB specialist today >> Find out more about the GESB West State Super changes here ...

How to crystallise your tax free benefits in GESB West State before it’s too late!

26 May 2017
It’s been argued that superannuation could be considered to be your number one investment asset heading into retirement. After your residential home, which for most is a lifestyle asset rather than investment, we are all looking towards superannuation savings or Centrelink to fund our retirement. For this reason it’s important to be able ...

Last chance for self-employed to maximise super contributions to GESB

8 May 2017
If you’re a doctor, engineer or teacher who has previously worked for the West Australian State Government, you may be aware of the changes to superannuation that will significantly impact one of the best retirement strategies available to you since John Howard’s $1m boom. If you have no idea what your GESB West State Super Fund could b...

The true cost of aged care

14 February 2016
We all know we are living longer, thanks to medical research and the continuously improving medical treatments. As we are put back together and held in one piece by the many specialists around us our bodies are slowly pushed towards breaking point. It is at this point in time when the first consideration of age care occurs. This can be a ver...