Luke Towers is a financial adviser and partner at Succession Matters in Perth, working closely with business owners, professionals, and families to help them protect what matters most. Since entering the industry in 2011, he has been drawn to the parts of planning that genuinely change lives, especially when clients are navigating major decisions or unexpected challenges.
Much of Luke’s work centres on supporting business owners through succession and continuity planning. He helps them understand how Life Insurance, Total and Permanent Disability (TPD), Trauma, and Income Protection can be structured to safeguard both their families and their business obligations. For individuals and families, he builds clear, practical strategies that focus on maintaining income, protecting lifestyle, and creating long term resilience.
Clients value Luke for his calm approach and his ability to explain complex ideas in a way that feels grounded and reassuring. He is known for building long term relationships, staying connected through the ages and stages of life, and being there when it matters most whether that means navigating underwriting, reviewing cover, or supporting a claim.
A Certified Financial Planner with a Masters of Financial Planning and a Bachelor of Commerce, Luke brings strong technical capability. What clients often notice more, however, is his genuine warmth, empathy, and steady presence. He is committed to making sure people feel understood and supported, not overwhelmed by fine print or industry jargon.
Outside of work, Luke is a family man who enjoys time with his wife Molly and their young son Charlie. He has a long history in cricket, having represented Western Australia on 16 occasions, and remains actively involved in the sport. He also maintains strong ties to the disability community through roles he has held over the years, a contribution he plans to continue building on well into the future.
