Tom Frane

What is your average day like:‍

No two days are the same. Some are spent meeting clients face to face, others on problem-solving, planning, or working with our team. A key part of my role is also scrutinising investment managers, ensuring we deliver the best independent solutions available. Whatever the day looks like, it always comes back to our clients, their goals, and making sure the right support is in place for today and the future.

What do you like most about your job?

I enjoy the balance of people and problem-solving. The technical side of financial planning is something I’ve always valued, but what makes it meaningful is helping clients make sense of complex decisions and seeing the difference good planning makes for them and their families.

How long have you worked in Financial Services

I’ve worked in financial services for nearly a decade, starting straight out of university before founding Cove Financial Planning in 2021. My focus is on delivering expert, unbiased advice with real attention to detail and a forensic focus on cost — always aiming for the best possible outcomes for clients.

Meet With Tom

What Tom's Clients Have to Say

Tom made everything simple and stress-free, offering expert advice and great communication throughout.

Knowledgeable and genuine, Tom explains things clearly and truly cares about our long-term goals.

Tom tailored our finances perfectly to our needs—honest, skilled, and great to work with.

Expert, friendly, and thorough—Tom gave thoughtful, tailored advice that really made a difference.

Tom’s smart advice secured our financial future. We fully trust him and value his ongoing support.

These testimonials are from current clients of advisors in the Trusted Advisor Network. No compensation (non-cash or otherwise) was provided in exchange for these testimonials. Trusted Advisor does not have any material conflict of interest with the persons giving these testimonials.

Tom Frane is a Chartered Financial Planner and founder of Cove Financial Planning. With nearly a decade of experience in financial services, Tom has advised entrepreneurs, senior executives, high-net-worth families, and trustees across several leading firms.

Before founding Cove, he played an integral role in building a business that later became part of a national wealth management firm. Known for his analytical approach and genuine commitment to clients, Tom combines technical expertise with a passion for helping people make sense of complex financial decisions.

His day-to-day work ranges from meeting clients and designing tailored strategies to scrutinising investment managers, ensuring every recommendation remains independent, efficient, and effective. Driven by a focus on people and problem-solving, Tom’s goal is simple — to help clients achieve clarity, confidence, and lasting financial security.