Better financial decisions start before life forces the issue.
Retirement. Inheritance. Divorce. Redundancy. A new partner. Most people only seek financial advice once life makes the decision urgent. Katrina Pulbrook, Executive Planner at RJS Wealth Management, helps you get ahead of the moment — so the decision is yours, made calmly and with confidence.
Certified Financial Planner · 25+ years in financial services · Barron’s Top 150 Financial Advisers List 2025
Your initial consultation is complimentary. No obligation, no product pitch — just a conversation.
- Certified Financial Planner (CFP)
- Diploma of Financial Planning
- Member, Financial Advice Association Australia (FAAA)
- Barron’s Top 150 Financial Advisers List 2025
- 25+ years in financial services
Meet Katrina Pulbrook
Executive Planner, RJS Wealth Management
Katrina has spent more than 25 years in financial services, including extensive experience in private and business banking. Here’s what that experience has taught her: financial success isn’t about quick wins. It’s about taking strategic action to grow, manage and protect what matters to you.
Katrina works across superannuation (including SMSF), retirement planning, investment advice, personal insurance, cashflow and debt management, business advisory and intergenerational wealth. She works closely with RJS accountants and, where needed, your solicitor — so every part of your financial life is pulling in the same direction.
“Nothing makes me prouder than to see my clients experience the peace of mind that comes with advice from an experienced financial professional.” — Katrina Pulbrook, Executive PlannerReady to talk it through? Book a chat with Katrina →
Katrina on ausbiz
Katrina is a regular guest on ausbiz, talking about the money questions Australians are actually facing — confidence, retirement gaps, family wealth and what good advice looks like. Watch the conversations below.
Why fewer women seek financial advice — and what changes when they do
Katrina shares what she’s seen across hundreds of client conversations: capable, intelligent women deferring financial decisions to someone else. She talks confidence, starting early, and teaching children the value of money.
General advice vs personal advice: what’s the real difference?
Anyone can Google general information. Personal advice is different — regulated, accountable and built around your circumstances. Katrina also covers Australia’s record intergenerational wealth transfer and protecting family wealth through divorce and separation.
Why women are heading towards retirement with less — and what may help
Career gaps, part-time work and family-first spending all add up. Katrina looks at the retirement gap, why “retirement” itself needs a rethink, and how starting early — even for a limited period — can change the trajectory.
Financial fatigue, re-partnering and intentional wealth design
Earning well doesn’t automatically build wealth. Katrina covers decision fatigue, the financial side of divorce and blended families, redundancy risk for high-income earners, and why intentional wealth design starts with your “why”.
Have a question one of these conversations raised for you? That’s usually the best time to ask it.
Book a chat with an Executive Planner
Not ready to book? Start here.
Download the Money Confidence Checklist — a free set of RJS Wealth Management guides covering the questions clients ask us most:
- How much money will I need to retire? What a comfortable retirement may actually cost, and where most Australians sit against it.
- Growing your super for a better retirement. Practical ways to consider building your balance over time.
- Estate planning. Why a simple Will may not be enough on its own, and what a proper estate plan covers.
- Share market volatility. Nine things to keep in mind when markets get noisy.
No jargon. No sales pitch. Just clear, general information to help you ask better questions — of yourself, and of any adviser you speak with.
These guides contain general information only and don’t take your personal circumstances into account. For advice tailored to your situation, speak with an RJS Wealth Management planner.
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Money Confidence is for you if…
You’re an RJS accounting client
Your accountant looks after this year’s numbers. Katrina helps you plan the next twenty.
You’re building — or rebuilding — financial confidence
Maybe finances were always “someone else’s job”. Maybe life changed. Either way, you want to understand your own position and make decisions you’re sure of.
You’re approaching retirement
You want to know whether you’re on track, what your options are, and when work becomes a choice rather than a necessity.
Your family is thinking about the next generation
You’d like the wealth you’ve built to actually reach your children and grandchildren — with the right structures and conversations in place early.
You’re a business owner or high-income earner
A strong income isn’t a plan. You want your earnings working as hard as you do — structured, tax-aware and protected.
You’re managing divorce, re-partnering or a blended family
Few situations carry more financial complexity, or more emotion. Clear, experienced guidance matters here.
See yourself in one of these? You’re exactly who this page was built for.
Book a chat with an Executive PlannerWhen do people usually call? Usually later than they’d like.
Most people don’t wake up wanting financial advice. Something prompts it. These are the moments we hear about most — and in every one of them, earlier is easier.
- An inheritance has arrived — or one is coming
- Retirement has moved from “one day” to “soon”
- A redundancy, or the possibility of one
- A divorce or separation
- A new relationship, re-partnering or a blended family taking shape
- Selling a business or property
- A health event in the family
- Super balances that don’t match the hours you’ve worked
- An employee share scheme that’s grown into a large slice of your wealth
- The quiet feeling that you’ve been putting this off for too long
Here’s the thing about these moments: the decisions are bigger, the timelines are shorter and the emotions are higher. Getting your structure, strategy and questions sorted before life forces the issue is what money confidence actually means.
The wealth conversation most families have too late
Australia is in the middle of the largest intergenerational wealth transfer on record. And the families who handle it well tend to share one habit: they start talking early.
Katrina sees the difference firsthand. When parents involve their adult children in the planning conversation — well before illness or loss forces it — the next generation understands how things are structured, why, and who to turn to when the time comes.
When that conversation doesn’t happen, the risks are real:
- Wealth leaving the family. Without the right structures, an inheritance may end up divided through a child’s relationship breakdown rather than staying with your children and grandchildren.
- Lump sums with no plan. An inheritance received without guidance can be spent quickly. There may be better ways to structure it — including approaches that provide ongoing income rather than a one-off windfall.
- Confusion at the worst possible time. Grieving families making complex financial decisions under pressure rarely get the best outcomes.
Katrina works alongside RJS accountants and your solicitor so estate plans, structures and family conversations line up — for you, and for the generation after you.
“Parents need to involve their children well before anything goes wrong — so they can see it as a continuation of wealth, not just a windfall.” — Katrina Pulbrook on ausbiz
Considering how your family’s wealth passes on? It’s a conversation worth having while everyone’s still in the room.
Book a family wealth chatConfidence isn’t knowing everything. It’s knowing your next step.
You don’t need your situation “sorted” before you talk to us. You don’t need a minimum balance, a tidy spreadsheet or a perfect plan. You just need 30 minutes and the questions you’ve been carrying around.
Your initial consultation with an RJS Wealth Management Strategic Planner is complimentary. We’ll listen, give you a clear picture of where you stand, and outline what working together could look like — then the decision is yours.
Prefer to start with a phone call or email? Call (03) 9794 0010 or write to info@rjswm.com.au.
- Complimentary initial consultation
- 13 locations across Victoria and NSW
- Part of the R J Sanderson & Associates group
Book a chat with an Executive Planner
Important information: RJS Wealth Management Pty Ltd ABN 24 156 207 126 is a corporate authorised representative (No. 438158) of Modoras Pty Ltd ABN 86 068 034 908, an Australian Financial Services and Credit Licensee (No. 233209), located at Level 3, 50-56 Sanders Street, Upper Mt Gravatt QLD 4122.
The information and opinions contained on this page are general information only and are not intended to represent specific personal advice (accounting, taxation, financial, insurance or credit). No individual’s personal circumstances have been taken into consideration for the preparation of this material. Any individual making a decision to buy, sell or hold any particular financial product should make their own assessment taking into account their own particular circumstances. The information and opinions herein do not constitute any recommendation to purchase, sell or hold any particular financial product. Modoras Pty Ltd recommends that no financial product or financial service be acquired or disposed of, credit contract entered into or financial strategy adopted without you first obtaining professional personal financial advice suitable and appropriate to your own personal needs, objectives, goals and circumstances. Information, forecasts and opinions contained on this page can change without notice. To the extent permissible by law, neither RJS Wealth Management Pty Ltd, Modoras Pty Ltd nor their employees, representatives or agents (including associated and affiliated companies) accept liability for loss or damages incurred as a result of a person acting in reliance of this publication.