Financial Adviser, Visionary, Father
About Me…
I am John Cachia, the founder, strategic wealth adviser, and visionary at Thriving Wealth.
I am fortunate to be recognised as one of Australia's most well-regarded financial advisers.
My journey in finance began at age 14, and in 2009, I founded Thriving Wealth with the goal of improving financial literacy across Australia and empowering people to achieve financial freedom while enjoying their lives.
With a special focus on young families, I have been honoured to be listed in the FSPower50 Top 50 Most Influential Financial Advisers for three consecutive years and have received multiple nominations and awards for my contributions to the industry. In September 2021, I was named the Victorian Finalist for the Great Advice Awards by the Association of Financial Advisers, highlighting the value of my financial, behavioural, and emotional advice.
AdviserRatings has rated me as the #1 financial adviser in Melbourne’s North and ranked me #25 out of approximately 15,000 financial advisers in Australia, based on client feedback regarding my customer care, communication, knowledge, and experience*.
Financial Standard has recognized my work by listing me in the FSPower50 Top 50 Most Influential Financial Advisers for three consecutive years - 2021, 2022, and 2023. These recognitions reflect not only my expertise but also my efforts to help shape the future of financial advice.
In both 2013 and 2022, I earned nominations for the AFA's Financial Adviser of the Year award. As a dedicated member of the Association of Financial Advisers (AFA), I was again recognised in 2023 with a nomination for the Financial Advice Association Australia’s (FAAA) Adviser of the Year Award.
I have had the privilege of mentoring several talented individuals in the industry, including Mason Thorn, a nominee for the 2022 IFA Young Adviser of the Year, and John Koutsourpoas and Anthony Caligari, both recently nominated for the 2023 Financial Advice Association Australia’s (FAAA) Rising Star of the Year Award.
In 2022, my professional achievements were acknowledged when I was named a finalist in the IFA Excellence Awards for 'Industry Thought Leader of the Year', 'Practice Principal of the Year', and 'Transformation of the Year - Individual'. Additionally, I was honoured at the 2022 Spark Awards as the 'Financial Adviser & Thought Leader of the Year'.
In 2023, I received further recognition at the IFA Excellence Awards, winning the 'Transformation of the Year - Individual' award and being a finalist for 'Practice Principal of the Year', 'Industry Thought Leader', and 'Business Outcome Leader'. These accolades underscore my ongoing impact and leadership in the financial advice profession.
In 2024, I was inducted into the Top of the Table at the Million Dollar Round Table (MDRT), a prestigious recognition representing the pinnacle of success in the global financial services industry. This honour places me among the elite professionals worldwide, highlighting my commitment to client service and outstanding professional achievements.
Academically, I hold a Bachelor of Business (Financial Risk Management), a Diploma in Financial Services, and a Diploma in Mortgage Broking. I am also a member of the Australian Tax Practitioner’s Board. In 2018, I had the privilege of attending a strategic leadership course at Stanford University in California, USA, where I learned from some of the world’s leading minds.
Away from work, I enjoy a variety of sports and outdoor activities like AFL, camping, and hiking. I cherish spending time with my wife and three boys, exploring new places and learning about the world. I have a deep passion for innovation and history, which fuels my curiosity about our past and future.
I am deeply committed to promoting financial literacy at the grassroots level. This passion led me to actively support the Financial Basics Foundation, a non-profit organization dedicated to providing free financial education resources to schools across Australia. I have contributed time and resources to multiple initiatives, workshops, and programs aimed at empowering the next generation with the tools needed to make informed financial decisions.
On a personal front, my adventurous spirit found a perfect outlet with Adventure All Stars, a show celebrating extraordinary journeys and experiences. Through this platform, I have been able to merge my love for adventure with my commitment to philanthropy, participating in expeditions that raise awareness and funds for important causes.
My involvement with Adventure All Stars and the Financial Basics Foundation reflects my holistic approach to life, blending professional success with personal passions and always seeking ways to give back to society.
*This rating and ranking is as of 1/12/21 on AdviserRatings
“We don’t get to choose how our money story starts, but we can always change the future of it.”
“Fatherhood to me is the most important role in my life. It is a role that I love and can’t wait to see the adventures it has in store for me in years to come.
I’d like to teach my kids the ability to learn about failing often, fail quickly, fail cheaply. Teaching them failure and the ability to grow from this is an important life lesson, but as important is the ability to make decisions based on happiness for themselves, as if they are happy they will attract happiness their way.”
One piece of advice you give to your kids that you want the world to know:
Keep dreaming. I'd rather you be a dreamer than not dream at all. Then if you want these dreams to turn into reality, build a plan to achieve them, and if they will make you happy, then go get them.
Dream it.
It all begins with an idea, a goal. How to keep track of your goals? Write them down! Make a list, revise the list. Mark them off once complete and add a new goal. Your goals can be as simple as learning to save $100 a month or buying your dream home. Without a dream, how do you know where you are going? And remember, if you can dream it, you can do it.
Build it.
To build your dream lifestyle, build your goals, you need to start with a plan. A structure that will allow your dreams to become a reality. This may be through budgeting, investing, saving or even, all combined. This is where I come in, to help build this structure, tailored uniquely to you, your goals and your circumstances.
Grow it.
Putting these carefully selected plans and structures in place is only the beginning, and you won’t see miracles overnight, but giving time you will start to see a transformation in your wealth, your lifestyle, and your happiness. There will come a time you will be able to sit back and enjoy the future you created.
Revise it.
Are your goals the same as they were 5 years ago? It’s time to revise, revisit and reevaluate. Different stages in life bring with them new goals. Once it was a modern outer city apartment, now it's a home to fit the whole family. Updating your goals when your life changes is key and will ensure you to continue on the right path in growing your future wealth.
Awards & Honours
🏆 2024 Australian Wealth Management Awards - Financial Adviser of the Year (Finalist)
🏆 2023 IFA Excellence Awards - Transformation of the Year (Winner)
🏆 2023 IFA Excellence Awards - Individual (Finalist)
🏆 2023 IFA Excellence Awards - Industry Thought Leader of the Year (Finalist)
🏆 2023 IFA Excellence Awards - Business Outcome Leader (Finalist)
🏆 2023 IFA Excellence Awards - Practice Principal of the Year (Finalist)
🏆 2023 Financial Standard Power 50 - Top 50 Most Influential Financial Adviser
🏆 2022 Financial Standard Power 50 - Top 50 Most Influential Financial Adviser
🏆 2022 IFA Excellence Award Finalist - Practice Principal of the Year (Finalist)
🏆 2022 IFA Excellence Award Finalist - Transformation of the Year (Finalist)
🏆 2022 IFA Excellence Award Finalist - Industry Thought Leader (Finalist)
🏆 2022 Spark FG Awards - Financial Adviser of the Year (Winner)
🏆 2022 Spark FG Awards -Thought Leader of the Year (Winner)
🏆 2021 Association of Financial Advisers (AFA) Great Advice Awards - Vic (Runner-Up)
🏆 2021 Financial Standard Power 50 - Top 50 Most Influential Financial Adviser
🏆 AdviserRatings - Ranked #1 Financial Adviser in Melbourne’s North Dec ‘21
🏆 AdviserRatings - Ranked #25 out of 19,000 Advisers Dec ‘21