Michael Curnow holds university and postgraduate qualifications in finance and financial services, supported by extensive industry experience. Full details of Michael’s qualifications and professional memberships are outlined in our Financial Services Guide.

Zero Gravity Advisory operates as an authorised representative of Cobalt Advisers Pty Ltd, an Australian Financial Services Licence holder. Under this licence, we are authorised to provide advice and services across a broad range of financial areas, including:

● Basic deposit products

● Government debentures, stocks and bonds

● Life insurance (risk and investment)

● Managed investments including Investor Directed Portfolio Services (IDPS)

● Retirement Savings Accounts

● Securities

● Superannuation

● Self-managed superannuation

● General Advice

No. Australian law strictly prohibits financial advisers from guaranteeing investment returns. What we can do is apply detailed research, professional judgement and experience to recommend strategies we believe are appropriate for your circumstances and objectives.

We don’t provide one-off or isolated advice without preparing a formal Statement of Advice. This ensures we meet our legal and professional obligations and that all recommendations are thoroughly researched, tested and tailored to your personal situation.

Life is unpredictable, and financial plans evolve over time. If you experience a significant change — whether positive or challenging — we encourage you to contact us as soon as possible. We’ll review your position together and update your strategy to keep it aligned with your goals.

Our fees vary depending on the complexity of your advice needs, the time involved and the scope of services provided. We believe in transparency and will always clearly explain fees before any advice is given.

In certain circumstances, fees may be paid from your superannuation balance. This is only possible where the advice relates specifically to superannuation and retirement planning and is permitted under legislation.

We do not receive commissions on investment products. Commissions may be payable on insurance products only, as we do not separately charge fees for insurance advice and implementation.

Yes. We offer a limited number of after‑hours appointments each month. Availability is limited, so we recommend booking early to secure a suitable time.

That’s no problem. We regularly meet with clients via phone and secure video conferencing. Robust identification and verification processes are in place to ensure your privacy and security.

No. We believe quality advice should help people build wealth, not just manage it. Many clients start with little or no existing investments. What’s important is having an income and some surplus cash flow, so we can help you move towards long‑term financial freedom on your terms.