About Me

Stu Varidel MFinPlan, CRPC, ABFP, AFP is the Owner and Principal Financial Adviser of Heart Financial Advisers in Townsville, Queensland.

With more than 24 years' experience as a financial adviser in his own practice and a career in financial services that began in 1986.

Stu has built a reputation for helping individuals, families, retirees and business owners make confident, informed financial decisions.

Stu holds a Master of Financial Planning, Graduate Diploma of Financial Planning, Chartered Retirement Specialist (CRPC) designation, Accredited Behavioural Finance Professional (ABFP) designation, and is an Approved Aged Care Adviser.

He is an Advice Practitioner Member of the Financial Advice Association Australia (FAAA) and is committed to the highest standards of professional competence, ethics and client care.

His advice philosophy combines technical expertise with behavioural finance principles, helping clients understand not only what financial decisions to make, but why they make them.

He believes successful financial planning extends beyond investments and products to encompass coaching, accountability, personal values and long-term life goals.

Stu provides comprehensive advice across retirement planning, superannuation, investment management, personal insurance, aged care, estate planning and wealth accumulation strategies. His focus is on delivering practical, cost-effective and sustainable advice that evolves with clients throughout their lives.

Beyond his advisory practice, Stu has become a recognised advocate for Australian consumers and the financial advice profession.

He is a strong voice on issues including access to affordable financial advice, professional standards, regulatory accountability, consumer compensation, retirement policy and adviser education.

Through his industry commentary, public advocacy and engagement with policymakers, he continues to champion reforms that improve consumer outcomes while strengthening trust in professional financial advice.

In recognition of his contribution to the profession and consumers, Stu was awarded "Advice Advocate of the Year 2025", reflecting his commitment to improving professional standards and ensuring Australians have access to quality financial advice