Generation Z graduates are beginning to launch their careers, adopt substantial university debt, and take on new territory and financial challenges.

Just the anticipation of their coming-to-age could reshape the financial landscape over the coming years, combining with Millennials to reform the industry. 

With Millennials and Gen Z now constituting more than 40 percent of Australia’s working population, they are no longer considered ‘the future’.

But do they want the help of a financial adviser? Recent research points to yes! .

The Financial Planning Association of Australia (FPA), recently found an incredible 81 percent of Gen Z (born from 1995-2009) would value the time spent with a financial planner.

The FPA also found that 57 percent of all Australians feel the same, pointing towards a growing desire for professional financial help. So how can financial advisers leverage the unique qualities of Gen Z to offer professional support and guidance?


A generation saturated with technology, Gen Z have grown up with the ability to seamlessly integrate a technological ecosystem into their everyday world.

Digital engagement is typically their preferred way to interact as they look to create strong, secure and authentic experiences with the convenience of a portable, mobile-first medium. It seems only logical to explore leveraging technologies that have been designed to cater to their technological preferences.

Utilizing social media can be helpful in disseminating content; think helpful tips and short-form videos.

Tip: A branded client app can help you deliver the technological experience Gen Z expects.


Though Gen Z are adapted to a digital climate, it’s important not to undervalue face-to-face communication. The Center for Generational Kinetics found in 2017 that 53 percent of Gen Z prefer a personable method of communication, over instant-messaging tools and video conferencing.

Personalised communication and support allows Gen Z to grow their financial literacy and create a well-defined mindset around personal wealth. Integrating tailored services and strategies that speak to their unique ethos is vital.

Tip: Leverage digital client surveys to personalise your service delivery!


Decision making and experiences in real-time are vital for Gen Z. Simplifying transactions swiftly matters to this generation; as does transparent communication and decision-making.

The anxieties Gen Z face surrounding paying new “adult” bills, understanding credit and investing can be made easier with an emphasis on simplicity and trust.

Tip: Make things simple with a streamlined digital onboarding process and digital checklists to make gathering client data and tax time a breeze.


Many Gen Z-ers were coming-of-age during the recession, meaning most saw their parents affected and Millennial counterparts amass mountains of student debt.

Cautionary tales have the majority of Gen Z wary of debt, curious about financial independence and finding the right financial institutions for them.

Tip: Give them peace of mind about their finances and where they stand by bringing together their assets and liabilities into one secure place.

You can learn more on how to tap into the emerging Gen Z market for your firm by booking a commitment-free demo with our friendly team today!