Financial planners help you manage your money, make sound decisions to meet your goals and provide expert guidance on how to save for retirement, buy a home or plan for college. Investment advisors will typically offer advice on where to invest your money, but they do not advise on how much risk you should take with those investments or what steps you need to take toward meeting your goals.
Australia has some of the best financial planners and advisors in the world. As we all know, building wealth takes time and can be difficult. Especially when you don't have much to start with. That's why it's important to work with someone who understands your situation and can make sure that you're on track towards getting where you want to go.
The best financial planners and advisors in Melbourne, Victoria can be hard to find. That's why we're here. We've compiled a list of the best ones in your area so you can spend less time researching and more time getting on with your day-to-day life.
Ultimate List of Top Financial Planners and Advisors
Klear Picture - Financial Planners & Advisors Melbourne
(03) 9998 1940
Melbourne Private & Business Wealth Advisors
At Klear Picture, we offer bespoke care while focusing on building strong and lasting relationships with each client. By cultivating a reliable, knowledgeable and friendly environment, we can help you understand your goals and tailor investment strategies to ensure you reach them.
As Melbourne’s financial advisors, we are committed to helping you reach your goals and make your dreams a reality. While we all seek financial freedom and the flexibility to pursue our goals and objectives, the particulars will always be unique to you, and that’s sometimes why speaking to a financial advisor is beneficial.
Because we understand that everyone wants something different, we’ll spend time with you in relaxed, no-pressure sit-downs to discover together what exactly it is you’re looking for in a financial plan. Then we’ll craft a custom plan designed to fit your needs. Whatever your goals may be, you need a financial plan with wealth creation advice that is specifically tailored to you.
Over the past decade, the wealth advisory landscape has seen a significant change in Melbourne. Gone are the days of simple service products. Today, the industry spends trillions to create new products and services that pull at our heartstrings with promises of a secure future. Yet, when the path to financial freedom isn’t visible, it becomes difficult for individuals to trust and feel like a number without clear pathways to financial independence.
As our promise is to provide bespoke solutions for each client, we have remained non-aligned with institutions. This frees us up to develop and tailor investment models that truly benefit you.
Klearpicture is the top local choice for financial advisors and wealth management experts here in Melbourne. Our tools, experience, and strategic planning capabilities are here for one single purpose: Building Your Financial Freedom. We aren’t owned by or partnered with any bank, financial institution, or product, and so our motivation is always driven toward your specific financial goals.
Our clients receive expert financial advice. That advice is always driven by analytical data, backed with industry knowledge and scaled to meet their individual metrics. Our Melbourne based financial advisors understand the challenges many people face when planning for retirement. Therefore, our wealth management strategies are focused on achieving long term goals with realistic short term financial milestones.
Why Klear Picture Smsf Advisors?
Klearpicture applies the same unrivalled level of care, attention and expertise to every single one of our clients.
Our personalised, professional service sees us hand-pick the most fitting investments from multiple platforms and the leading providers and deliver specialist advice, plans and strategies that align with your investor profile, goals and objectives.
We specialise in providing a range of advisory and investment services to help you achieve your financial objectives.
PMD Financial Advisers - Financial Planners & Advisors Melbourne
(03) 9824 0002
About PMD Financial Advisers
PMD Financial Advisers provides you with confidence and peace of mind about your current and future financial position.
We work in partnership with families, high net worth individuals, business executives and business owners to provide comprehensive and highly customised solutions. Our services span the areas of:
- Wealth creation - building a strong asset base
- Retirement planning - strategies to achieve your retirement savings goals
- Superannuation - growing your balance to deliver the income you need
- Investments - insight on investment options to meet your goals
- Risk insurance - protecting your financial position
- Self-managed superannuation funds - stay updated on the benefits
- Aged care - ensure the decisions that you make will be the right decisions
- Financial guidance for children - the best investment options for your family.
The original Melbourne business of PMD Financial Advisers was founded by Paul Donohue and an actuary trained Superannuation Asset Consultant in 1971.
Back then, few people sought financial advice, and investments for most people, other than their own home, were the exception.
Paul started to inform and teach people about building long-term investment bases. Investing in quality assets, managing the relationship between income, savings, tax, and debt was his focus. Paul often spoke of the importance of solid and sensible advice. Sensible advice meant making sure people invested in quality assets. Paul always focused on advising people and doing the best thing for them in their personal situation.
We still have people and families today as clients who dealt with Paul over 40 years ago.
While our founder Paul passed away in 2014, our key approach to business – striving at all times to do the best for our clients - remains a core value of PMD Financial Advisers.
DMFS Financial Advisers - Financial Planners & Advisors Melbourne
1300 364 651
DMFS Financial Advisers
DMFS Financial Advisers is a personal service investment, superannuation and retirement planning business. According to Money Management, 67% of financial advisers do not believe the client’s parents, DHS and aged care is an issue they are required to service. We believe that we can either assist with a client’s needs or have the resources to refer to someone that can.
Retirement planning is a focus of the firm, along with aged care and superannuation (40+ age bracket), which are all closely related (family-related). Why 40+? If you are paying down household debt, getting children through education, life is simple, pay the debt quickly, do the best you can, and survive! We assist in wealth accumulation and are not licenced in personal debt (mortgages).
We can refer to appropriate brokers, general insurance brokers and estate planning solicitors, who will give the advice you need. After the tasks of child-rearing, we ensure you are the financial priority in your own destiny. We focus on working in partnership, which is more a relationship with our clients, in retirement planning. We respect that funds invested strategies delivered are based on the client’s needs first basis.
Many financial planning practices focus on fee-based reviews. We focus on event-based advice. Event-based advice is knowing that you have access to your adviser when you most need our services. Simply, we return calls promptly, and you have access to your advisor's mobile phone number. So you can sleep at night. We pay attention to these needs with one goal in mind- Your retirement needs. How are we different – We specialise in an investment discipline that suits you.
If that is an industry fund, a retail employer fund or Self Managed Superannuation Fund, our role is to simply explain the costs and returns (historical) or those decisions. Decisions made by you, the client. If you are conservative and require term deposits to protect your assets, best of breed managed funds, or direct equities, our licence and investment approach covers all these areas. If you are ready to start your financial planning journey, contact us today at 1300 364 650 via appointment or referral.
At DMFS Financial Advisers, we have a dedicated belief to assist our clients during a life change, event or financial need that requires a solution. Mostly, planning for retirement requires careful consideration from a qualified financial adviser.
David Mac Manus holds the Dip. FP, Certified Financial Planner® Professional and Fellow Chartered Financial Practitioner (FChFP) designations from the FPA and the AFA, the industry's two leading bodies. Our commitment is to be there when you need us the most. Our advisers return calls to our clients at first availability (normally within 24 hours).
All clients have access to their adviser’s mobile phone numbers and can avoid reception “blockages”. We limit our client numbers to reduce this burden for clients. Before we go on annual leave, our clients are notified well in advance. With professional financial planning, we can help manage your wealth, ensuring a more prosperous future for you and your family.
Aged Care is a specialist service of the firm. As this is a complex area, DMFS Financial Advisers aims to assist with the Department of Health and Ageing (and all the necessary forms), so you can spend time with a loved one during an emotional transitional period.
Maddern Financial Advisers - Financial Planners & Advisors Melbourne
03 9999 7201
Independent Financial Advisor
Not all investment advisors are equal. We specialise in providing independent financial advice services, insurance and investment advice to professional people who have achieved career success or aspire to it.
Our clients cover a broad range of industries, from health to engineering, university lecturers and business owners. Our clients have a broad range of investing interests, from direct shares to direct property to gold and diamonds. As we aren’t controlled by an external investment company or insurer, we can review all available options and customise a recommendation just for you.
If you have wealth to invest and protector, you know you will have significant wealth down the road – you can choose our Melbourne based team with confidence.
Self Managed Super (SMSF) Advice
Considering an SMSF, or simply want to take control of your superannuation or access a more diverse range of investment options?
In Australia, over 1 million people have made the step to control their own super and set up their own SMSF. The SMSF option is no flash in the pan; the SMSF sector now represents a combined SMSF asset value in excess of $550 billion. That’s a lot of SMSF’s.
We are Melbourne’s leading SMSF advice firm, and you can rest assured that we provide clear, tailored solutions that are linked to your goals and objectives. Depending on your experience and desire for involvement, we can fully or partially manage every aspect of your fund or simply provide strategic input where needed.
If you own a small or medium business, or you’ve built a successful career, you belong with Maddern Financial Advisers.
As a boutique Melbourne-based financial advising firm, we offer specialised focus, integrated financial advice services, outstanding qualifications and experience, and a genuinely personal approach.
We can give you complete financial, accounting, taxation and business support service that integrates with your wealth creation goals.
We don’t try to be all things to all people. Instead, we focus on offering specialised services to a select group of clients. Most of our clients are either small-medium business owners or successful career professionals, with a particular focus on the sporting, aviation and health industries. Some of the specialised services we offer our clients are:
- Business start-up advice and management consulting, based on our long experience of successfully meeting business challenges.
- A completely integrated self-managed superannuation fund (SMSF) service: investment strategy, tax planning and administration.
When you choose Maddern Financial in Melbourne, you’re working with award-winning Independent Financial Advisers, SMSF Advice specialists and expert Accountants.
At Maddern Financial, we are Melbourne’s leading truly independent advisory firm. We provide clear and tailored solutions that are linked to our client’s goals, objectives and aspirations.
Unlike most Australian Financial Advisers, we are not wholly or partly owned by a bank or other financial institution. We are 100% independent, which means that we are under no pressure to recommend particular products or structures. Our Independent Financial Planners work on a strictly fee-for-service basis – we don’t accept investment commissions or other FUM-linked benefits from product manufacturers. In other words, we don’t serve two masters: when you become our client, we work for you and only you.
We provide investment advice, SMSF (Self Managed Superannuation Funds) services and investment opportunities, tax accounting and business services.
You can rest assured that the Financial and Accounting advice that we provide is based on merit and comprehensive analysis.
First Financial - Financial Planners & Advisors Melbourne
03 9909 5801
Leading Wealth Management Firm
First Financial is a leading, Melbourne based, Australian owned wealth management firm specialising in financial planning and superannuation management. Each client’s unique circumstances and attitude form the foundation for tailor-made plans. We are large enough to have our own Australian Financial Services Licence (AFSL). Our Investment Committee is a specialised and talented group of planners with a phenomenal track record. A long-standing, in-house training program breeds advisers with First Financial ethics, principles and values flowing through their veins.
Why Are We Different?
While most financial planning firms perform risk profiling for their clients, our approach is very different. Your unique circumstances and attitude form the framework for every plan.
What To Expect?
At First Financial, we use our proven five-step system to structure and execute a tailor-made plan that allows you to enjoy life today and retire life ready, certain you have enough.
We don’t hire advisers, and we breed them ourselves. And there’s a very good reason why. All our advisers have First Financial morals, ethics and principles right from the start.
Welcome to First Financial
First Financial is a leading wealth management firm specialising in financial planning and superannuation management services based in Melbourne.
We offer all the services traditional financial planners offer, except that at First Financial, we do things a little differently and these differences mean we’re able to maximise your financial success and help you enjoy today – and retire life ready, certain you have enough.
It’s all about YOU
First Financial is a boutique, client-centric firm, which means the relationships we share with you are intimate, valuable and engaging.
We have an impressive range of financial services, industry experience and specialist skills within our organisation, enough to rival some of the largest firms.
But we uphold our ‘small firm’ mindset with our distinctly personal approach by offering you a dedicated relationship manager—a single person to coordinate all your needs.
Unique investment philosophy
Our Investment Philosophy is at the heart of everything we do. It is designed to produce the results you need by putting cash in your hand.
It has proven to be a robust model with clients protected during challenging times.
We avoid traditional risk profiling. Instead, your unique circumstances and attitude form the foundation for our tailor-made plans.
We help to build a portfolio that clearly aligns with your principles rather than pushing branded products.
The fact that we have our own Australian Financial Services Licence (AFSL) means we can make recommendations in your best interests. This is rare within our industry, and we are fiercely proud of our autonomy.
Plus, we are guided by our Investment Committee, a team of industry professionals. Based on their thorough research and considered input, we produce an approved list of investment products.
Strategic long-term advice
But it’s not just about investments and interest rates.
Unlike many of our competitors, we can also support you with information about tax planning, loan structuring, and even working with Centrelink.
We offer strategic advice that will benefit you long into the future. And it is always the long-term that we are focused on!
Our relationship with our clients is a long-term, lifetime collaboration. Our principals and other team members have worked with our clients for many years, generations, in fact.
We know that partnering with a financial adviser is not a single transaction event. We work with you today and well into the future. And as your needs and wants change.
So too does our advice.
Our in-house adviser training program means your adviser has been trained in our morals, ethics and principles right from the start.
And your adviser knows firsthand what every team member does because they’ve done that job themselves.
In a changing and evolving industry, we offer stability and consistency through your advisory team.
Flinders Wealth - Financial Planners & Advisors Melbourne
0434 992 241
At Flinders Wealth, we help organise your finances so you can spend your time doing things that are more important to you.
We will develop a tailored Roadmap for your money – a step by step list of action items to get you feeling positive about your future. We want to work with clients who are interested in making smart choices with their money and getting their financial house in order.
Importantly, we are not owned or controlled by a bank, life insurance company, fund manager, superannuation provider or any other institution. Flinders Wealth does not accept investment commissions.
This ensures we are positioned to provide you with financial advice you can trust.
Flinders Wealth services clients across Melbourne, the Mornington Peninsula and Regional Victoria.
The FPA is a professional association requiring financial planners to meet strict entry criteria. The FPA’s professional framework its members operate within holds the highest standards for financial planning regulation around the world.
Highlighting the commitment to the professional and educational standards Michael and Nick are active members of the CFP® Education Advisory Committee and assessors for the Applied Strategies unit.
Toro Wealth - Financial Planners & Advisors Melbourne
1300 447 590
Financial Advisers Melbourne
On the hunt for a trusted financial adviser in Melbourne? You’ve come to the right place.
Welcome to Toro Wealth. We are a privately owned, independent financial adviser in Melbourne and provide our clients (like you!) with straightforward financial advice so you can maximise your wealth and minimise your financial worries.
When you look for the best financial adviser in Melbourne, you want to find someone who is the right fit for you.
They should be qualified, experienced, trustworthy and also capable of providing you with reliable advice for all aspects of your financial life.
Additionally, they should also be someone who can truly understand your financial situation and your life goals and can help you optimise your wealth, with a completely personalised strategy – to help you achieve those goals.
Who We Work With
At Toro Wealth, as your local Melbourne financial planning firm, this is exactly what we aim to provide to each of our clients – including you. We work with Melbourne residents looking for straightforward financial advice relevant to their needs.
We are a completely independent firm, so you can be rest assured that we will never push any unnecessary products or services on you and will only ever advise you on what’s best for you.
Who We Are
At Toro Wealth, our business is all about you. We are passionate about empowering our clients to live the life of their dreams.
We are driven by the desire to help our clients retire comfortably and without worrying about their finances. As a team, we are guided by our core values of integrity, trust, simplicity and a commitment to clients in the work we do every day.
We believe that retirement financial planning should never feel complex or overwhelming to our clients. We offer clear and straightforward financial strategies that will take away the confusion and leave you feeling more relaxed and confident about retired life.
Our business is all about you.
As a privately-owned firm, we are not controlled by any big banks or corporations. Our advice is 100% conflict-free. We’re not here to make commissions by selling you financial products.
We’re here simply to give you the best, most relevant and up-to-date financial advice that will help you meet your retirement life goals.
Partners in Planning - Financial Planners & Advisors Melbourne
1300 880 101
Why We Firmly Believe In Our Motto ‘not All Financial Planners Are Built The Same’.
Partners in Planning was founded out of a need to provide client-focus advice (opposed to the traditional bank ‘product’ sell). We are founded as a fee for service practice and strongly support the government’s changes to makes the fee for service the only way forward.
We firmly believe in fundamental investing and the protection of your lifestyle. We can proudly put up our hand and say we have NEVER recommended any ‘alternative’ investments like emus or forestry products.
We are small enough to care BUT big enough to be around for the long haul.
We are individually owned and believe that each client is an individual, not just a number. We don’t believe in a product being a solution but in a strategic solution.
Our Beliefs Are Our Differences
- We are a proud fee for service practice on all superannuation and investment advice giving you full transparency.
- We find solutions, not just products.
- Fundamental investing and protection of your lifestyle.
- Clients are people, not just numbers.
- We are with you for the long term.
- Lifestyle financial planning.
- Each of our financial planners, as a minimum, are degree qualified and have experience in all aspects of financial planning and insurance advice.
We believe in making the right decisions about your finances has never been so important. Our Self-Licensed financial advisers can help you do this by understanding your financial situation and helping you develop a financial plan to meet short and long-term goals.
The right financial adviser has the potential to provide outstanding value for money – creating a benefit that reaps the rewards far in excess of the cost involved.
Areas Where We Can Help:
Young To Mid-Life
You Are Establishing And Building Your Career And Perhaps Starting A Family.
You may be looking at:
- getting married
- first home
- having children
- income protection
- debt management
- family healthcare
- business planning
This Is Your Consolidation Stage – Achieving A Comfortable Lifestyle And Thinking About Managing Your Long-Term Future.
You’re likely to focus on:
- protection of lifestyle
- tax management
- retirement planning
- long-term care planning
With 20 Or More Years Of Retirement Ahead Of You, Your Priorities Will Depend On How Well You’ve Prepared.
Your main concerns may be:
- protection of assets
- debt elimination
- family healthcare
- helping your children
- retirement planning
- wills and trusts
- business exit strategy
This Is The Time To Indulge In Hobbies Or Travel, Enjoy Your Family And Prepare For Transferring Your Wealth.
You may be thinking of:
- protection of assets
- aged care planning
- inheritance tax mitigation
- gifting to family
- preserving your capital
- estate planning.
Like any partnership, we are in it for the long term. Our Planners help each client individually become financially independent and achieve their life goals.
Whilst helping to better your financial future, we utilise the extensive experience of our team to tailor advice to your specific financial needs. Like, true partners, we do not stop there. We guide you through the implementation of the advice and manage the strategy.
We do like to joke around at times, but one thing we don’t joke around about is our responsibilities to our clients.
ToppTunbridge - Financial Planners & Advisors Melbourne
(03) 9935 5268
Our Client Service Policy
Our practice provides a high standard of advice and service through our dedicated team of advisers and support staff.
The establishment, over many years, of strategic alliances with external Legal and Accounting practices have enabled us to be a pivotal point for clients seeking specialist advice in Self-Managed Super Funds, Debt Management, Estate Planning, Legal Agreements and Accounting.
This combination, along with many years of experience and long term business and professional relationships developed with market leaders in Funds Management and Insurance product providers, enables us to provide superior outcomes and service for our clients.
Our services extend to those in all stages of life from young individuals, growing families, businesses and those planning for and progressing through retirement.
In order to understand our client’s requirements, we complete a comprehensive Needs Analysis. This enables us to understand their needs, what is important to them, their priorities and values. This, in turn, allows us to assist in achieving financial goals while providing our client and their family with the tools to be financially protected against premature death/disability or trauma. No matter what stage in life or business, we aim to provide advice for the financial security of our clients and their families, and most importantly, we ensure it gets done!!!
Another very important aspect of our work is to track our client’s plans to ensure they remain relevant and effective via a regular review process. We often liken our role in their financial life to that of a personal trainer: the outcomes are only as successful as their diligence and participation! You can buy a gym membership, but without your attendance, no six-pack!
7 Wealth - Financial Planners & Advisors Melbourne
03 4411 8745
Who We Are?
James and Vanessa Harris are a Melbourne based couple that started 7 Wealth because they wanted to be the kind of financial planners & advisors that really help people understand and finally feel in control of their finances. Financial planning can be a scary concept, but with the right support, planning and honesty, James and Vanessa believe it needn’t be. The couple has tackled the real-world challenges many do managing single incomes, budgeting for holidays, preparing for a child’s education, and sacrificing special treats to pay the bills. It’s been tough at times, but James and Vanessa have pulled through and are taking what they’ve learnt and got really good at (financial planning, that is) to help you and your family.
Why Use A Financial Advisor?
It’s simple: we’re experts at helping individuals and families manage their wealth. A financial adviser can help you live smarter, not harder.
Greater Financial Control
The research concludes that individuals and families that have greater financial control are much happier in life. It’s not necessarily the more money you have, the happier you are. Even people with low incomes can be happy, as long as they feel in control of how they spend it.
Tailored Financial Advice
For every major milestone that people experience, a trusted financial adviser should be there to lend a helping hand, whether it’s getting married or getting divorced, having kids or moving overseas, being promoted or starting a business, buying a home or saving for retirement. A dedicated financial adviser can make these experiences less stressful and more reassuring.
Paterson Retirement Planning - Financial Planners & Advisors Melbourne
03 9439 6271
About Our Company
Paterson Retirement Planning opened its doors in 2020 under the direction of Senior Financial Adviser Edward Paterson. Ed is passionate about the provision of tailored advice and taking the complexity out of making financial decisions.
Our Office is located on level 5, 171 Collins Street, Melbourne, next door to the Regent Theatre.
Paterson Retirement Planning provides advice on Superannuation, Retirement Planning, Aged Care and Centrelink. Although we provide retirement advice to all, we specialise in teachers and public sector employees.
Yield Financial Planning - Financial Planners & Advisors Melbourne
03 9819 0690
Make Your Money Work, So You Don’t Have To
Leveraging over 70 years of experience, Yield’s Financial Planners will help you turn your goals into reality by formulating a financial roadmap for achieving them.
Once in place, it is not a set and forgets strategy. We will help you manage change and, where possible, take advantage of it, as it inevitably occurs.
As your financial planners, we will work with your other trusted advisers and help unify all aspects of your financial world to take some of the stress and confusion out of these decisions.
You are choosing Yield to secure your future guarantees honest and proactive advice that puts your interests first, combined with a streamlined client experience that you can depend on.
Yield Is A Financial Planning Association Professional Practice
Awarded to Yield for our high ethical standards and putting our client’s interest first
Founded by James McFall in 2006, we service the needs of Australian professional’s at home and abroad. We harness the latest technology to make our advice accessible, efficient and highly engaging. This has improved not only our service delivery but also our ability to achieve consistent investment returns that regularly exceed our benchmarks. What guides us is a relentless focus on delivering an exceptional client experience, and our team take wealth accumulation and retirement planning strategies to the next level! We love showing our clients how to achieve big improvements to their retirement prospects, often with relatively small adjustments to their life.
Situated in the leafy suburb of Canterbury, in the inner east of Melbourne and with an office in the Sydney CBD, our team are diverse, ethical, caring and thorough; and we understand money! We know how you make it, keep it, and will even help you feel confident spending it, now and in retirement. Our ‘secret’ for consistently helping clients grow wealth and retire securely is to personalise our financial solutions to what they are trying to achieve. Financial advice in YOUR best interest is the key. This simple philosophy is how we build long-lasting relationships, and our client feedback demonstrates the success of this obvious and proven approach.
Proudly, we have always been independently owned and have operated a fee for service investment model since 2006. Well, before it became mandatory in the financial planning industry in 2013, because it is transparent, and that is what we are all about.
Endorphin Wealth - Financial Planners & Advisors Melbourne
03 9190 8965
Endorphin Wealth specialises in strategic wealth management services and solutions. Our financial advisors are experienced in all areas of personal wealth management, including asset and wealth investment management, investment advice and estate planning, and capital wealth management.
We are detailed and diligent in our wealth services, employing dedicated resources and engaging with external investment research so that we can locate the best investment opportunities for our clients by increasing their returns and reducing risk. We work hard to ensure that capital is not lost as part of the wealth management process and believe in engaging defensive strategies where possible.
Here at Endorphin Wealth, our clients come first. We have extensive experience in working across complex entity and asset structures and will work closely with your preferred accountants and specialists to achieve outstanding results.
Don’t leave your future to chance. If you are a working professional approaching retirement or a high net worth household and prefer the personalised service and close relationships that a small wealth management firm offers, speak to Endorphin Wealth today. Together, we will take your private wealth management to the next level.
Driving Value for Clients
Endorphin Wealth specialises in strategic wealth management services and solutions. Our advisors are experienced in all areas of personal wealth management, including asset and wealth investment management, investment advice, estate planning, and capital wealth management.
Our Company Values
We help our clients to identify, plan for and live their best life.
We maintain great attention to detail and compliance
We support each other, reward our performance and deliver on our promises.
We are committed to continual improvement to enhance our client’s experience.
K Partners - Financial Planners & Advisors Melbourne
03 9863 8856
We are passionate about accounting & financial services.
Helping clients create financial prosperity for their businesses, families, and futures is incredibly rewarding for our team. With decades of combined financial management and accounting experience, the accountants at KPartners guided countless individuals and business owners to create wealth and establish strong financial practices in Melbourne.
Accounting & Tax
If you’re in business for yourself or running a small business in Melbourne, you need an accountant who understands the challenges and opportunities presented by changing conditions. Managing your tax accounts is simple and effective with the support of our dedicated tax advisors and accountants for small businesses. Hospitality, farming, trades, medical, IT and transport are just a few types of small businesses that we understand in-depth and are ready to assist you with your accounting needs. Our small business accountants, advisors & mentors will provide you with the right advice you need. We are well equipped to help you with your tax, compliance and wealth-building strategies.
We’ve helped countless small businesses streamline their systems, set financial goals and achieve them. Our team of accountants appreciates that you have a small business to run, customers to serve and products to perfect. You can feel supported knowing the accountants at K Partners will develop a plan and provide advice that benefits your bottom line.
We can be your financial accountant advisers in business and in life. Financial planning is a continuous strategic process designed to help you achieve financial goals in the short and long term. To start, it’s crucial that we get to know the real you – your financial situation, goals, urgent priorities and outside factors.
K Partners is a boutique accounting and financial advisory firm based at 1 Queens Rd, Melbourne.
With a team of financial services professionals, we provide comprehensive solutions for the complex accounting and financial needs of a diverse clientele.
A commitment to excellence defines every service offering at K Partners. Beyond our up-to-date professional licences and compliance, we also invest in continued education, further qualifications and the latest technology.
Through this, we’re able to offer value beyond the immediate outcomes of our services—empowering you through the business advice and financial education when you need it.
SMART Financial Advisory - Financial Planners & Advisors Melbourne
03 9034 4884
We’ll make the complexities of super seem simple, so you can maximise your nest egg and have a future that will be just fine.
Allows for greater tax-planning flexibility, which would otherwise be unattainable with industry superannuation funds.
If you are planning on retirement, reducing your working hours, or thinking about an estate plan, we can help.
We ensure that you and your family will remain financially secure in the event of any unforeseen health issues.
We assist businesses no matter what size to meet all challenges and thrive strong financially.
You may be eligible to receive some Centrelink payments in addition to your investment and employment earnings.
We develop evidence-based investment strategies that are tailored to helping you achieve what’s important to you.
In order to protect those we leave behind, it is important to have all the right documentation in place.
If you are 75 years or over, aged care advisor from SMART Financial Advisory can help you facilitate a goal-directed care plan.
SMART Financial Advisory takes pride in being a financial planning firm that focuses on creating a difference in the lives of its clients through providing the highest standard of service. We deliver tailored strategic solutions across a broad range of financial planning services that has been helping Australians achieve their financial goals and freedom.
We are a corporate authorised representative of InterPrac Financial Planning Pty Ltd and specialise in Retirement Planning including; Investment, Superannuation, Personal Insurance, Estate Planning, and Centrelink and Aged Care advice.
Wealth creation means different things to different people. SMART Financial Advisory will cater to you, whether you are planning for the future, saving for your first home, transitioning to retirement or even if you are already a retiree. To develop the most suitable plan and portfolio for you, we largely work with your accountant and other professionals.
We provide independent financial advice to ensure that your current savings and funds are invested effectively for you and your family.
Our motto is to help you PLAN, INVEST, ENJOY!
At SMART Financial Advisory, we treat our clients as unique individuals rather than numbers. We listen to our client’s needs and believe that our clients value our financial advice. The financial planning relationship with our clients goes beyond a single transaction. Our philosophy, in regards to financial advice, is based on a mutual understanding with our clients and has been developed and refined over many years of experience. Most importantly, we understand that as your life progresses, your situation and priorities may change as such, our advice process includes the crucial element of ongoing financial planning reviews and support to ensure that you remain on track to achieving your desired outcomes. Our experience has proved that by adopting a consultative approach, we are able to better define our client’s financial goals and visions.
Our highly qualified financial advisers provide advice based on evidence and research, evaluation of all options available, recommendations and the implementation of such recommendations uniquely devised for you. Typically, our clients are referred by existing clients and other accounting and finance professionals, such as accountants, mortgage brokers and lawyers, with whom we have developed a strong and trusted network.
At SMART Financial Advisory, we are enthusiastic about looking after our clients and believe firmly that the best reward for us is client satisfaction.
Independent Wealth Partners - Financial Planners & Advisors Melbourne
03 8393 9372
Creating your roadmap to financial independence
At some point in every new client discussion, you will hear us say - “we do financial planning a little bit differently.”
The starting point to achieving financial independence has nothing to do with how much money you have, what your investment returns are, or how much your negatively geared property is ‘saving’ you in tax. The starting point to great financial advice is all about needs. Specifically, your needs.
To deliver the true value of financial advice, we need to know what drives you, what you genuinely value.
What makes you want to ‘jump out of bed in the morning?’
Our advice is then tailored to your aspirations, desires and goals - ensuring we are working solely in your best interests.
We know from experience the answer is different for everyone. It might be the call of a slower life in the country, maybe a dream to spend 6 months travelling the world, or perhaps, it’s making sure your loved ones are going to OK.
Whatever your motivation, our value is in empowering you to achieve your wants, desires and dreams using your money as a catalyst.
Facilitating change around the life you want
We are best described in two ways - Independent and Award-winning.
We believe that financial advice should be conducted from a place without bias. In order to do that, as your financial advisors, we have to remain independent – no incentives, no conflicts of interest.
Because you pay us for our work, we can be ruthless about the effectiveness of the strategies, products and services we recommend. If we think something is a good idea, it’s because we actually think it’s a good idea, not because someone offered us an incentive.
We Are Working For You
Being recognised by our peers as leaders in our field – is humbling yet pretty awesome. Not only does it demonstrate to clients our expertise in a range of areas, but it also clearly demonstrates our professionalism – something we pride ourselves on.
For us, being professional means getting the job done. It means being reliable and keeping our promises. It means having specialised knowledge and holding the degrees and certifications to back it up. It means being honest, acting with integrity and being accountable.
Retire Ready Financial Planning - Financial Planners & Advisors Melbourne
03 8372 2011
Why Retire Ready?
Retire Ready Financial Planning is a locally owned Financial Planning practise, centrally located in Williams Landing, passionate about helping you achieve YOUR goals! Commencing from humble beginnings at the Point Cook Town Centre in 2015, Retire Ready has become a well-known retirement planning and aged care specialist in Melbourne’s west. We are located in Williams Landing, a hop, skip, and jump away from where the business first started.
A common misconception is that you need to be wealthy to need a Financial Adviser, which couldn’t be further from the truth! Gloria Mina is passionate about helping everyday people to achieve financial freedom through a process of education and allowing you to better understand your relationship with wealth creation.
As a Practice, our existence thrives on ensuring our clients achieve financial success, allowing them to overcome the obstacles along the way. Whether that means – paying off your family home, educating your children or grandchildren, or taking that dream holiday. We understand that Financial Planning shouldn’t be a set and forget. We pride ourselves on being able to deliver personalised ongoing service packages for all our clients. After all, everyone’s needs are different!
We have Authorised Representatives of Synchronised Business Services (Synchron), the third-largest Licensee in Australia according to ASIC’s Financial Adviser Register. Synchron is not aligned with any large financial institutions. When engaging with a Financial Adviser, it is important to ensure they are authorised to provide you with personal financial advice.
We feel privileged to say that we have clients come in from all over Melbourne and Victoria to see us, we love what we do and the difference we can make to people’s lives.
ICG Financial Planning - Financial Planners & Advisors Melbourne
(03) 9611 1601
What We Do?
Our aim is to simplify the often-complex lives of our clients and to protect, maintain and grow their wealth over time using proven investment strategies and a disciplined approach.
We believe that investing is not speculating and manage our clients’ money as if it were our own, with great precision and care.
While we tailor our advice and services to suit the precise needs and objectives of each client, our expertise essentially involves four key areas:
- Investment advise and planning
- Retirement advise and planning
- Protecting your legacy
- Services for small business owners, including tax optimisation and structuring
ICG Financial planning is a boutique, privately-owned wealth management firm based in Carlton, just outside the CBD and nearby to the Royal Exhibition Building at Carlton Gardens.
As a boutique practise, we offer a highly personalised service to our select clients – one that’s tailored to each client’s unique circumstances and requirements and delivered with care and precision.
Our clients are often successful in their own right. With busy professional and personal lives, they seldom have the opportunity nor inclination to understand the world of investments, financial planning or taxation. Others recognise that it’s not the best use of their time.
Our services are all-encompassing. We focus on the big picture with forensic attention to detail that’s necessary for effective financial planning and the future wellbeing of our clients and the people they care for. It’s what sets us apart from other advisory firms.
We recognise that are our services aren’t for everyone. However, they are ideal for discerning individuals with complex financial requirements who demand and expect a superior level of quality financial advice and client service care that’s rarely found elsewhere.
To find out more, we invite you to contact us for a confidential consultation.
Are We Right For You?
While our clients come from all walks of life, most are successful in their own right and share similar concerns about the future.
With what can often be busy professional and personal lives, they recognise the value in working with an advisory firm that provides a superior level of service and advice, one that will act as a central point of contact for all their advisory needs. This includes liaison with all their other professional relationships on their behalf as and when required.
Should you wish to engage our services, we will act as your financial concierge,’ taking care of your interests so you have more time to focus on those things that are more important to you.
For this reason, our services are more suitable for investors who prefer to delegate the management of their financial affairs to a trusted professional who in turn provides highly personalised advice, guidance and communication on a regular ongoing basis.
To find out more about services and how we may be able to assist you, we invite you to contact us for a confidential consultation.
Empower Wealth - Financial Planners & Advisors Melbourne
1300 123 843
Australian investment advice
At Empower Wealth, we are passionate about providing holistic and integrated advice for all of our client’s financial planning needs. We deliver tailored solutions for individual circumstances and goals and focus on building long-term relationships with our clients. Our goal is to help you design and achieve the lifestyle you have always dreamed of.
Property Investment Advice
Getting the right advice before starting your property portfolio is crucial. Talk to the experts to make sure your investment is an educated one.
Loan strategy and structure is integral for the success of your investment property portfolio. Speak to our brokers to ensure you’re on the right path.
With industry know-how, exclusive data access and expert negotiation skills, a buyers agent could save you time and money finding your next investment property.
We offer a variety of financial planning services, like super consolidation, setting up investments portfolios and making sure you and your assets are well-protected.
Self Managed Super Funds (SMSF) are becoming increasingly popular. Meet with one of our qualified advisers to see if setting one up is right for you.
Searching is not the same as researching. Our Property Research services provide detailed analysis so you can purchase a property with total confidence.
We’re passionate about teaching and have provided a suite of educational products to help people like you learn more about property, finance and wealth creation.
We can help you get an understanding of your finances and show you how to use your surplus money to improve your future lifestyle.
Building a wealthier future for our clients
At Empower Wealth, we truly believe that increasing one’s wealth position is possible for anyone and everyone interested in making it happen. From saving for your first home to buying it and then building off its wealth base, to Superannuation, to identifying the best use of your household’s surplus income, to building a multi-million dollar property portfolio… It’s possible, but for almost every one of us, we need professional assistance.
Why work with us?
If building wealth to secure your financial independence and a superior standard of living and quality of life was easy, then everyone would be successful at it.
There are thousands of professionals all over Australia, working with millions of Australians trying to improve the wealth positions of their clients. However, the reality is less than 10% of these people will actually retire wealthy.
That draws conclusions around two possible reasons why this is occurring:
- Poor Advice
- Client Engagement
Everything about wealth comes back to these two critical elements. The fact is, no poor decisions around money and wealth can be made without the client making or agreeing to them being made.
Furthermore, with so many mixed and conflicting messages in the marketplace about the best investment options being recommended by all different sources, it’s understandable why many Australians lack trust or become overwhelmed by the whole process and either put it in the ‘too hard basket or when they actually engage others to do something for them, they get poor advice because they are not fully engaged.
The facts are, like professional sports, creating wealth is an acquired talent that requires many dedicated years and thousands of hours of your time to develop the skills and experience needed to have the knowledge and experience to be successful. And it’s time that most of you don’t have available time in your already busy lives.
Lifespan Financial Planning - Financial Planners & Advisors Melbourne
(02) 9252 2001
Lifespan Financial Planning remains one of Australia’s largest privately-owned adviser networks, with no ownership links whatsoever to any of the banks, fund managers or insurance providers.
Lifespan strives to partner with advisers and advice firms to build successful businesses through the provision of quality tailored services and support, financial products and education.
Our financial advisers are committed to developing wealth creation and wealth protection strategies for personal investors, business people and self-managed super funds alike.
When you work with a Lifespan adviser, we take the time to appreciate your personal and financial objectives. Our advisers help you understand your many options, the possible consequences of your choices to assist you in making informed financial decisions.
Whether you are seeking insurance advice, running a business or looking for the right path to a secure retirement, make sure you explore your options in detail through one of our client service solutions.
The Lifespan Difference
Lifespan’s success is founded on a practical and friendly working partnership with advisers, which is characterised by a strong service and support culture. Lifespan is large enough to provide the full range of services you would expect from a reputable licensee, yet dynamic and open enough to meet advisers’ individual expectations.
Lifespan strives to be a partner of choice, working with advisers to build successful businesses through the provision of quality tailored services and support, financial products and education.
- A broad choice of industry-leading product solutions
- A responsive and robust compliance framework
- An ability for an adviser to develop their brand and their services in a supportive framework
- A dedicated in-house research manager
- Access to the best solutions for you and your clients, whatever their individual needs
- Assistance in maximising your personal and business potential
Lifespan Financial Planning remains one of Australia’s largest privately-owned adviser networks, with no ownership links whatsoever to any of the banks, fund managers or insurance providers.
Lifespan strives to partner with advisers and accountants to build successful businesses through the provision of quality tailored services and support, financial products and education.
October 2019 marked Lifespan’s 25th year of providing support and licensee services to advisers. Lifespan is a Professional Partner of the Financial Planning Association of Australia (FPA) and a member of AIOFP (the Association of Independently Owned Financial Professionals).
A recent industry survey ranked Lifespan as the 3rd largest privately-owned AFSL and 25th overall.
Lifespan is recognised as a strong industry participant and was a finalist for Dealership of the Year in the 2020 IFA Excellence Awards, and previously in 2019, 2018 and 2015. The awards also recognised Lifespan’s management team, with Eugene Ardino, CEO winning the “Dealer Group Executive of the Year” in successive years, 2019 & 2020, and Michael Gershkov winning the “Practice Development Manager of the Year” award in 2019.
MWL Financial Group - Financial Planners & Advisors Melbourne
(03) 9866 5889
The MWL Difference
Financial services is a very broad and complex industry. We all need and should seek expert advice and direction at some point in life on areas in which we aren’t experts, and that may mean doing things differently to the way they are currently done.
Whether it’s for your personal financial situation or that of your business seeking information and advice will just enhance the decisions you make.
The most common process to get expert financial help across all areas is to seek advisors from different firms to work separately towards your individual needs. The issue this obviously creates is duplication of expenses as well as advisors contradicting each other’s advice as it moves between one specialty to another, and none of them really understanding your ultimate goals making it very confusing to work out the correct strategy.
The MWL concept is that all advisors work together under the same roof. We have recognised that it is far more effective for clients if their Financial Planner, Accountant, Insurance Advisor, Finance Broker and Portfolio manager are all working together to complement each other and understanding that one advisor simply cannot be an expert in all areas. The advisors have regular meetings to discuss a client’s needs and work together towards the client’s goals, eliminating the issues encountered by going through various advisors.
MWL provides a 360-degree view of your wealth, how it should be managed and looked after so you have more time to focus on the things that matter to you, your goals and aspirations.
The origins of mwl financial group date back to 2001 when nicholas and jon, with a combined 30 years of both corporate and private financial services industry experience, decided there has to be a better way.
What they were faced with was a massive banking and union-controlled financial services system that effectively managed the majority of people’s life savings. Nicholas and Jon saw this structure had very little client communication or service and, as it is today, completely product-focused with little thought to strategy. The alternative was a financial planning and accounting industry that was fragmented into small suburban-style businesses.
The question they asked themselves at the time was why can’t a person go and get quality specialist advice on Accounting, Investment, Superannuation, Insurance or Lending in the one spot without having to find a number of separate small business style advisors.
Nicholas and Jon started MW planning in 2001, which grew to MW Group, then MW Lomax and now known as MWL Financial Group. Their answer was to bring these small businesses together – the accounting firm, the financial planner and the mortgage broker – to work under the same roof for the benefit of the client. To provide a structure, a plan for the future and to help them navigate through all the traps nobody was explaining to them.
As MWL continues to grow and expand throughout Australia, our vision is to deliver the message of our financial services of total quality advice and management to help more and more people.
TruWealth Advice - Financial Planners & Advisors Melbourne
03 8648 6535
When it comes to your money, do you want to:
- Be more confident with your decisions?
- Be more organised to save yourself time and worry?
- Spend time on the more important things in life and not financial issues?
- Know an expert is overseeing things and keeping you out of harm’s way?
- Choose what’s best for you and your family, without limitation?
- If any of this sounds like you, you’re in the right place.
Helping you make smart decisions that impact every area of your life
Although money can’t buy happiness, it can provide you with choice and options now and in the future.
You just need the right guide (us) and a solid plan to get you there.
Everyone Deserves A Life They Choose
TruWealth is a Melbourne-based financial advice practice that specialises in helping pre-retiree single women - those who have never married, are widowed or divorced - to manage their financial affairs and achieve financial independence.
Our mission is to empower single women so that they feel financially secure and in control of their financial future
by taking them through a process that educates them and takes them on a journey.
Established in 2010 as Assetplan Advisory, TruWealth holds its own Australian Financial Services Licence (AFSL) and provides strategic financial planning advice. We believe that when it comes to managing your money, there is no room for error. The happiness of you and your family depends on it. Money does not need to be scary, overwhelming or confusing. You deserve to understand how it impacts every part of your life.
And how it can provide:
- We get it. We’re just like you.
- We say it as it is (the truth and only the truth)
- We don’t give up (ever)
- We know progress requires discipline (and accountability)
- We know it is all about you (no cookie-cutter approach)
- We provide advice tailored to you (we have our own license)
We are more than just what you see (there’s a panel of other experts on our side)
- We know that if you succeed, we do too!
Verse Wealth - Financial Planners & Advisors Melbourne
1300 822 166
Helping you make the big decisions about whether to invest, contribute to super, pay the debt, buy a new home, start a business, sell assets and much more. It’s about the balance of achieving your goals, limiting stresses and growing your wealth to create freedom in the future.
Getting your cash flow right is essential. You’re never going to achieve your goals if you can’t manage your money. We help people take control of their money by bringing structure, accountability and clarity to what you spend and increasing your savings.
We create diversified and transparent portfolios that are aligned with what you’re trying to achieve. We’ll educate you, set realistic expectations and manage your emotions through the ups and downs of markets. We use independent research, analysis and ratings to support our recommendations to ensure your assets are in good hands at all times.
Choosing a fund, getting the investment mix right, making contributions and more. We’ll make the complexities of super seem simple, so you can maximise your nest egg and have the confidence that your future will be just fine.
Ensuring you live the retirement you deserve takes careful planning. As you get closer, we’ll map out a strategy to maximise your super, consider more conservative investment strategies to reduce portfolio losses and use modelling to anticipate your capacity to live your best life through retirement.
You shouldn’t pay more tax than you need to, as less tax means more money to create your best life. We’ll help you use the rules to your advantage by investing tax effectively, maximising deductions and working with the right accountant.
Whether it’s getting into your dream home, first home or investing through the property, we’ll help ensure you avoid common property mistakes. We will guide you through the property buying process with the help of exceptional mortgage brokers and property specialists.
We’re your Financial Coach. That means things like improving your relationship with money, keeping you accountable, leaning into hard conversations, steering you away from the herd and managing your emotions during rollercoaster investment markets.
Employer share schemes
If you’re working for a tech start-up or listed company, we can help navigate the complexities and sometimes life-changing opportunities of RSU schemes, ESPP offers and ESS. We’ll help you make important decisions around risk, diversification, capital gains and more.
We’ll guide your decisions about what debt to take on and create a strategy to pay it down. We’ll work closely with your mortgage broker to ensure your debts are always well structured and you’re not paying more interest than you should.
We determine the risks relevant to your situation and advise you on the right insurance cover to protect you and the family. We don’t take commissions, which means cheaper cover for you.
Transferring wealth to future generations is about more than what you leave in your will. We’ll guide you through the choices that influence how effectively you pass resources onto loves ones and ensure your intentions are aligned with your plans.
It’s not just about money - it’s about your entire life. Money is just fuel for living the life you want, which means something different to everyone.
Your life is your life, and financial advice needs to reflect it. We’ll align your strategy and decision making to what you value most. There’s nothing cookie-cutter here.
Complex Made Simple
No one wants to be overwhelmed with financial jargon and industry-speak. We’re obsessed with simplicity, so you’re empowered and feel in control.
We Make You Money
Let’s cut to the chase, you’ve got goals, but you’re here to make money. Our depth of knowledge, experience and access to professional networks will make sure you do.
No Commissions, No Kickbacks.
We’re not aligned with any financial products and don’t take commissions. That’s the traditional financial advice industry.
Your Whole Financial Life.
We manage your entire financial life by surrounding you with the right experts at the right time. We’re always collaborating, so nothing is missed, as everything counts.
The Process Introductory Chat
A free video session to work out if we’re a fit. We’ll seek to understand your motivations for wanting advice and let you know if there’s value in working together. We’ll also give you a chance to ask any important questions upfront. Once booked, you’ll get an email and SMS to let you know how to prepare for the Introductory Chat.
My Best Life
Let’s get clarity on your ‘Best Life’. It may be a combination of achieving goals, having experiences, eliminating worries and improving lifestyle by creating more time, freedom and choice. We’ll also go through all aspects of your financial life, so we have a clear understanding of where you’re at right now.
We’ll paint a picture of what we can achieve together. We’ll explain the areas where we’ll add value, what should be prioritised and how you need to evolve your financial thinking. In this session, we’ll provide you with a Client Agreement to confirm the service and fees.
Advice and Guidance
Over the first few months together, we’ll get you financially organised, develop strategy and get you taking action. Beyond that, we’ll be in your corner consistently to help you navigate the uncertain journey of life. Whether it has children, the career change, a scary new mortgage, failed relationships, falling markets, or just changes to tax, interest rates and super, Verse will help you bounce through it all.
FMD Financial - Financial Planners & Advisors Melbourne
1300 134 188
Trusted financial advice and retirement experts
Financial freedom could be closer than you think, but it’s important to get professional advice to understand your current financial position and plan your next step. You may not know where to find a good adviser, what to expect from the process, or how to get started.
You’re not alone, so we’re pleased you found us! For 15 years, we’ve helped busy executives, business owners and successful families achieve their goals and live their best life in retirement with the benefit of affordable, professional financial advice.
Achieve your financial goals faster with expert advice.
Our clients are hard-working professionals with serious careers, big passions and busy lives. They don’t have the time or interest to watch every market move or keep track of every change in superannuation, tax or investment legislation. Instead, they trust us to build a sustainable financial plan and grow their wealth as life changes.
Whether you need to plan for retirement, set up a Self-Managed Super Fund, protect your income, build a high-performing investment portfolio or manage the impacts of an inheritance, divorce or redundancy, our six pillars of advice will ensure every base is covered.
Our clients trust us to get them where they want to go.
Based in our offices in Melbourne, Brisbane and Adelaide, our advisers are true professionals and certified financial planners. They’re also footy fans, parents, foodies and explorers. They’re serious about your money, but know your life is more important.
Our founding directors mentor the next generation to deliver full and frank, client-centred advice with integrity and excellence. With an average tenure of 10 years among our team, you’ll be choosing an adviser who’ll be there throughout your career and into retirement.
What to expect from the first meeting with an FMD Financial Adviser?
It’s hard to know what to expect from the first meeting with a financial adviser, but getting your questions answered is worth it. Clients usually say, ‘We wish we’d done it sooner! We’ll cover the cost of the first meeting to ensure FMD and your chosen adviser is right for you.
Freedom Finance - Financial Planners & Advisors Melbourne
1800 662 892
Welcome to Freedom Finance Accounting.
“Freedom Finance Accounting is a firm small enough to be caring and really personal, but large enough to provide high-quality service, leading-edge advice and second to none results”.
Our team are highly trained with extensive experience, providing smart solutions to solve your problems and constantly looking for opportunities, whether for you as a business owner or an individual.
As specialists working with businesses of all sizes – none are ever too small or large – our strong focus is assisting you whether its tax compliance including income tax, GST and other ATO matters; tax planning to reduce income tax, GST and CGT and to enhance cash flow; resolving business problems; helping you grow your business, or improving bottom-line profit. We know about all aspects of business and are passionate about helping you be successful. We also recognise business owners are “experts” in their own business, and by using your knowledge and our skills, optimum results for your business are achieved.
Build Your Wealth & Secure your future
Expert Advice With Your Financial Planning Needs
At Freedom Finance Australia, we assist clients to effectively manage their finances with the future in mind. Our Financial Advisers first establish a clear picture of your current circumstances and then help you define your future financial and life goals. They will develop a custom financial plan designed to achieve your goals and to manage your resources going forward.
We can assist you with:
- Financial Planning
- Wealth Creation
- Succession Planning
- Retirement Planning
Partners Wealth Group - Financial Planners & Advisors Melbourne
03 8508 7801
Partners Wealth Group is here to empower you to unlock a world of possibilities.
We are one of Australia’s leading providers of business and financial advisory services for individuals, families, business owners and organisations.
We can help you at every life stage, from starting a career, buying a home and starting a family through to establishing a business, developing wealth creation strategies, planning for retirement and aged care solutions.
Investment solutions are driven by our expert committee.
Ensuring your financial security and helping you to protect your current lifestyle, business and retirement plans.
We’ll work with you to find the most appropriate financing to suit your needs, whether you need it for your personal home, a residential or commercial investment property, refinancing or cash flow for your business.
Helping you to protect your personal wealth and business assets through smart legal solutions and estate planning advice.
Taking the complexity out of SMSF administration.
Our rigorous audit process will provide you with peace of mind that your SMSF is always compliant.
Tailored and strategic financial advice for healthcare professionals, helping you to achieve your personal and professional goals.
As your partner and trusted advisor, Partners Wealth Group is here to help you to explore and fulfil your goals - in your personal life, your professional career or in your business - both now and into the future.
We share our wealth of knowledge through innovative financial advice, bespoke investment solutions and specialist superannuation and SMSF advice. Our lending, legal and insurance services help you not just to grow your wealth but to preserve and protect it too.
At Partners Wealth Group, we exist to help you unlock a world of possibilities. As you and your family prosper, we will be here every step of the way.
Hewison Private Wealth - Financial Planners & Advisors Melbourne
(03) 8548 4801
Hewison Private Wealth is one of Australia's leading, award-winning wealth management and financial advice firms.
Established in 1985, we have gained 35 years of experience and currently manage over $1.3 billion in funds under management. We take great pride in designing bespoke investment portfolios for clients that deliver on their dreams, goals and objectives.
We are completely independent, adopting a direct investment philosophy, and have always been a commission-free firm. This ensures the way we treat a client's financial future is tailored to their ambitions and what's in their best interest every step of the way. All Hewison Private Client Advisers have the highest possible CFP designation, tertiary qualifications and are professionally certified. This knowledge and expertise provide clients with great confidence and a high level of trust with the entire Hewison team.
Driven by client outcomes
At Hewison Private Wealth, we recognise the individuality of every client and tailor our investment plans and financial advice specific to your unique financial needs. We are focused on achieving the best outcomes for you and your family, delivered with an unwavering commitment to service and building lasting relationships.
Established in 1985, we have refined our strategic approach, service offerings and administration platforms with the insights gained in our 30 plus years of experience. We manage clients' affairs based on respected experience and integrity, combined with advanced financial intelligence.
The value of independent financial advice
Hewison Private Wealth is one of Australia's premier independent financial advice firms.
We're not connected to any financial institution or platform, our research is conducted in-house, and we won't earn a commission from any products we recommend to you. Our unwavering independent status provides you with the confidence that our recommendations are totally unbiased and based only on your best interests.
Direct investment philosophy
We prefer to invest directly into markets such as Australian Securities Exchange-listed securities, real estate and interest-bearing securities, rather than via managed fund structures. We believe this investment method provides our clients with more flexibility and control, as well as being cost-effective.
This direct investment philosophy, together with individually managed accounts, provide clients with optimum service and investment strategies that have been tested and adapted, over the last 30 plus years, to cope with rising and falling financial markets.
Effective Cash Flow management and taxation efficiency are two vital strategy elements that are enabled by direct investment.
We place a strong value on remaining independent. This allows us to provide our clients with strategic planning and ongoing recommendations that are unbiased and based only on their best interests.
Unlike many financial planning firms, Hewison Private Wealth charges a fee for service. We do not receive any commission-based payments.
Collinsfp - Financial Planners & Advisors Melbourne
0419 632 778
Our Approach Involves:
Understanding your financial situation
The first stage will involve discussions covering exactly what you want to achieve, including your long term and short term goals, as well as your expectations of us as your Financial Adviser. We will ensure we have an understanding of your current financial situation, gathering information such as a record of your assets and liabilities, income and expenditure and discussing your attitude toward risk.
Developing your strategies
Now that we have an overview of your situation, we will begin to develop strategies that are specific to your requirements. A good Financial Adviser will take into consideration your current finances and future goals, along with your risk profile, to ensure the strategies applied are the most appropriate for you.
Statement of Advice is issued.
Once the strategy has been finalised, we will provide a formal, written "Statement of Advice", which covers specific areas as prescribed by the Australian Securities & Investments Commission. It will outline a detailed investment plan and the recommended course of action, so it's important to read this thoroughly before proceeding.
Implement the recommendations
If you are happy with the recommendations detailed in the Statement of Advice, we will begin to implement the recommendations. This may involve bringing in other professionals such as Lawyers, Accountants, Mortgage Brokers etc.
Maintaining your Financial Plan
Your Financial Plan should be reviewed regularly to ensure it continues to meet your financial needs and investment goals. As time goes by, your situation will inevitably change, and we encourage you to review your circumstances with us frequently so that your strategy remains relevant.
Why Choose Us?
An innovative and strategic mindset
We provide you with insights and solutions to ensure you are full across the benefits and consequences of various strategies. We understand that having financial control and direction is important, and we create an action plan that not only helps you towards your goals but keeps you on track and focused along the way.
Why choose Collinsfp as your Trusted Adviser?
- Future Focussed
- Unique Approach
- Professional Team
- Trustworthy and Reputable Company
- Objective Advice
Understanding your financial affairs has never been more important, and we are here to guide and assist you through various Financial Planning matters.
MD Financial Planning - Financial Planners & Advisors Melbourne
1300 887 529
We're here to hold your hand.
MD Financial Planning provides specialised Aged Care Services and a full range of financial services to support our (often inter-generational) clients seeking wealth accumulation and wealth protection advice.
We have helped thousands of senior Australians with the Aged Care process, from initial planning to transitioning to permanent care.
About MD Financial Planning
Why choose us?
MD Financial Planning specialises in aged care planning, wealth accumulation and wealth protection advice.
MD Financial Planning Pty Ltd is a Corporate Authorised Representative No. 432861 of InterPrac Financial Planning, Australian Financial Services Licence 246638.
Wealth Generation and Protection
As financial planners, our advisers help you define realistic goals and objectives for your future with a practical plan that enables you to financially meet your selected goals. We hold your hand, working with you throughout the journey and entering into a long-term relationship with you, the client.
Most of our business comes from word of mouth referrals from existing clients who have benefited from our advice, who want their family, friends and associates to benefit as well.
Pursue Wealth - Financial Planners & Advisors Melbourne
(03) 9686 1785
Don't just dream. Achieve your dreams sooner rather than later as a Pursue Wealth member.
We'll work with you to set short, medium and long term goals and keep you on track to achieve them. As a Pursue Wealth member, you'll have the tools at your disposal to ACHIEVE your dreams. Become a member today!
As an award-winning team with an adventurous spirit, we'll design you a financial plan that will suit your lifestyle and your goals. Because like you, we'd rather buy our Jimmy Choo's in Paris, not from eBay.
Mortgage Advice & Broking
Want your dream home without sacrificing too much of your lifestyle or travel plans? We'll help you put a realistic plan in place to secure a home you love, so you can relax and know the stress has been removed.
Support & Advice Throughout Your Journey To Achieve Your Dreams
Articulate Your Dreams
As part of your membership, we'll work with you to articulate your dreams and set up goals along your journey to achieve them. We will get a clear understanding of your dreams and work together to design a solid plan for you to reach them sooner.
Get Great Financial Advice
We've developed an innovative five-step process to dig deep and understand your dreams. We'll work with you to develop a personalised plan to help you reach the life you've dreamed of! With us, financial planning is not something you push to the bottom of the priority list.
Start Living The Life You Want
We can help you make better-informed decisions about your future, so you don't suffer the day-after-online shopping hangover. Our consultations ensure we align both personal and financial goals so that you can start living the life you want on your terms!
Our members are the people that make us tick. The best part of our jobs is the part where we get to meet members from all walks of life, learn all about their hopes and dreams, and commit to helping each of them fulfil those dreams. Potential Pursue Wealth members range from ambitious professionals, goal-setting entrepreneurs, go-getting intrepid adventurers, and growing families. Click through to find out more about who our members usually are, and read about some of our awesome members!
Shadforth - Financial Planners & Advisors Melbourne
1800 501 205
Private Wealth Advice For People Who Want Peace Of Mind.
Life can be complex, but with advice from Shadforth, your financial life needn't be. Our whole-of-life, goals-based approach focuses on wealth creation, helping you achieve financial freedom sooner.
Advice based on a foundation of trust
We are the largest of only seven firms in Australia with international fiduciary certification. This assures our clients that our advice is of the highest standard, adheres to global best practices and is always in their best interests.
Your private wealth
We all want to create enough wealth to live our best possible future. A Private Wealth Adviser will work with you to get your finances in order, model your ideal life and put a plan in place to achieve it.
Whether your retirement is coming up or still a decade away, start optimising your position now so you can reach financial independence sooner.
Your family & legacy
At Shadforth, we take a holistic approach to family wealth planning, so you can provide a lasting legacy and preserve your wealth for future generations.
We are providing clear, reliable and valuable advice to Australians for nearly 100 years.
Founded in 1924
Our business is an award-winning organisation with a history dating back to 1924 when Shadforths Limited was established in Hobart. In 2008 Shadforth Financial Group was established through the merger of 14 specialist advisory firms. These firms were united by a vision and passion for client-focused advice.
We're now a national network of private wealth advisers and one of Australia's leading financial advisory firms.
Today we're one of Australia's largest wealth advisory firms
IOOF Group acquired Shadforth Financial Group in 2014. Today we operate as a standalone firm within IOOF, benefiting from the scale and capabilities that a larger financial services company offers, but maintaining our own distinctive philosophy and culture.
As we are no longer operating as a group of companies, in 2020, we dropped the 'Financial Group' from our name and became known as Shadforth.
Our approach to investment
We partner with Australian and global experts to build diversified portfolios based on scientifically proven drivers of long-term returns. We then make these portfolios available to our clients at a lower cost.
We invest based on evidence.
Our evidence-based approach to investing means we don't spend time speculating or predicting markets. Instead, we have a disciplined approach to recommending and reviewing investments. We have a set of core beliefs that form the basis of our investment philosophy.
These processes and beliefs underpin how we construct investment portfolios for our clients. Our method is proven to achieve targeted returns for the lowest level of risk and provide greater control and certainty.
Financial Coaching - Financial Planners & Advisors Melbourne
(03) 9821 4101
About Financial Coaching
Financial Coaching is a financial planning practice that believes in the difference that our advice can make - whatever your stage of life.
Located in metro Melbourne, we were established in 1969 with a mission to help our clients achieve their financial objectives.
There are few elite athletes that excel without the guidance of a knowledgeable and trusted coach. Our financial coaching process provides you with advice on how to achieve superior results, more than you would otherwise achieve alone.
Our method acknowledges there are few people who have the skills, the time or the discipline to achieve financial independence without professional coaching and a well thought out "training plan" to achieve your financial goals.
We offer an extensive range of financial services, which enable us to create a tailored financial plan, whatever your financial situation. We will assist you with managing your short and long term financial needs, from starting out in the workforce through to planning for retirement.
Wealth creation is about building financial security now so you can focus on enjoying your lifestyle in the future. Choosing where and how to invest your money is a difficult decision and will depend on many factors, including your overall investment objectives, approach to investment risk and the amount of time you have to invest.
We can help define your personal situation and recommend financial solutions and strategies to help you reach your financial goals.
Whether you are investing in financing your business, lifestyle, private education or providing for your retirement, it's never too late to take control.
Planning for retirement is one of life's most important financial considerations. The actions you take today will determine your lifestyle in the future.
Superannuation is one of the most tax-effective long-term retirement savings vehicles. However, it can be difficult to keep up with changing rules and regulations. We can explain the rules and provide you with strategies to help you maximise your retirement savings.
We offer a comprehensive Corporate Superannuation service - "The Team Financial Coaching Program" for company super fund requirements.
Covering for the company
- Advice and technical support
- Training and assistance with online clearinghouse facilities
- Ease of administration
- Education to payroll/HR team on the use of the online contribution system
- Set up, ongoing management and administration of policy committee through annual review
- Support and communication to members
- Regular market updates (e.g. budget releases and topical investment updates)
- Regular updates on compliance and statutory obligations
- Tailor the company super fund to meet the companies requirements
Cover for the employees
- Advice and support
- Communication for new employees - Benefit maximiser kits
- A team of financial planners & specialists to address members queries & requests
- Adequate and cost-effective insurance cover
- Claims and underwriting support and guidance
- Employee education seminars for the staff
Risk insurance forms a critical part of the financial planning process. It provides you with protection against the financial implications of an event such as death, disablement, serious illness or injury.
There is a range of insurance options available that we can tailor to suit your needs and personal situation.
Advice and direction on Business Protection insurance, including Business overheads insurance.
Self-managed super funds
Self-managed super funds (SMSF) gives you control of how your superannuation benefits are invested, operated and managed. SMSFs allow you to invest in a range of assets such as shares, managed funds, term deposits, property, art and collectables. You also have the option to borrow to purchase property and shares.
While SMSFs are a compelling structure for those who want full decision-making capabilities, having your own fund can generate a mountain of paperwork, such as looking after the establishment, asset administration, super administration, investment strategy and end of year financials.
As well as assist you with the establishment of an SMSF, we provide you with ongoing strategy, investment, insurance and estate planning advice for your SMSF and can provide assistance to other superannuation professionals in relation to asset administration, super administration and end of year financials.
Business succession planning
Advice and guidance on the establishment of Business Succession Planning. In partnership with your legal counsel or one of our panel solicitors, we offer a comprehensive service that provides business partners with an exit plan tailored to the individuals and family needs.
Business Insurance Policy Ownership Structures that we can advise on;
- Self Ownership of each policy
- Cross-Ownership of policies by partners
- Individual policies owned by each person's discretionary trust
Debt reduction strategies
Advice on debt consolidating strategies such as using underperforming assets to reduce debt. Debt elimination strategies such as using your super to pay out the home loan where possible.
Developing appropriate tax-effective investment strategies. Structures (i.e. companies, trusts, superannuation and pension vehicles). Financial planning advice with regard to payments received upon redundancy or termination of employment. Retirement tax management including making maximum use of the available tax concessions, including Spouse Contributions, Spouse Rebates and the Government Co-Contribution.
Mint Advisory - Financial Planners & Advisors Melbourne
1300 050 920
Who is Mint Advisory?
David Dooley is the founder of Mint Advisory. It is a boutique, full-service financial planning practice. We have a solid reputation for providing effective strategic advice and a clear direction to assist individuals and organisations advance their goals in today's complex marketplace.
The team at Mint Advisory are focused on solving our client's important problems and delivering financial planning services that are practical and commercial. We are dedicated to our client's overall financial success. Over the past 20 years, we have developed strong and productive relationships with our clients.
Based in Melbourne, we service a wide range of local and national clients who are typical:
- Wealth accumulators;
- Business owners;
- Companies and organisations seeking a super default fund; and
- Separated couples are seeking a financial solution.
The Significant Advantage We Offer Our Clients Include
Superior Client Service
We allocate a Relationship Manager to each client, who is responsible for overseeing all work to ensure your needs are being met and address any concerns that may arise.
We will keep you up to date with step-by-step information regarding the implementation of your personal strategies, the transferring of funds and the establishment of personal protection policies.
We are able to provide you with access to senior experienced financial planning advice at very competitive rates. We do not operate our business with large and expensive overheads, as do many of our competitors who require higher fee rates.
Our philosophy is to deliver quality financial planning advice at a rate, which provides real value.
Wealth of experience
We offer solutions based on financial advice from a team of leading experts. Our success has been driven by our team of experienced consultants.
Not obligated to any investment or insurance provider
All investment and insurance product recommendations will be based on what we believe is the 'most appropriate' product to meet your needs. We are not obligated to any provider, and recommendations are based on independent research.
Access to Financial Advisers
In order for you to achieve successful results with your financial needs, we ensure that our Financial Advisers are available and contactable at all times to address your requirements. It is our aim in clients to pursue long term, close relationships where knowledge of the client's situation is built to ensure that the most appropriate strategic outcomes are delivered.
Solutions based approach
Our commitment to you is to provide practical, commercial solutions that fit your strategic direction and are not merely answers to financial questions. It is our business to understand your business and its specific needs by communicating and working closely with you.
National Financial Planners - Financial Planners & Advisors Melbourne
03 9504 3879
Welcome to National Financial Planners. Our vision is to build a successful long term and valuable partnership with you to assist you in reaching your financial and lifestyle goals. We are dedicated to helping you protect and grow your assets and to attain financial independence.
We are upfront and open with you at all times, and we will honour our commitments to you. National Financial Planners Pty Ltd is a Corporate Authorised Representative (No237225) of Sentry Advice Pty Ltd ABN 77 103 642 888. Sentry Advice Pty Ltd is an Australian Financial Services Licensee No 227748.
Our vision is to build a successful long term and valuable partnership with you to assist you in reaching your financial and lifestyle goals. We are dedicated to helping you protect and grow your assets and to attain financial independence.
We are honest, upfront and open with you at all times, and we will honour our commitments to you, absolutely.
The purpose of our business is to help you organise your financial affairs. National Financial Planners Pty Ltd provides financial strategies that build, protect and provide wealth for your desired lifestyle. Planning to survive? Planning to succeed?
Today more than ever, those wanting future financial security and, more importantly independence, need to have a financial plan in place. Without the time or professional support to formulate an achievable plan, many of us fail to make the best use of the financial resources at hand.
Convenience & Peace of Mind
National Financial Planners Pty Ltd has the resources and experience necessary to put together a customised plan to suit your current circumstances and help achieve your desired future lifestyle.
The decisions you make about your financial future need to be in the hands of someone you can trust and someone who has been around for a long time.
At NFP, we provide Advice at the Right Price.
Summerhill Financial Services - Financial Planners & Advisors Melbourne
+61 3 9909 7703
Who uses a financial planner?
Alex Perini and Margaret Coulter, the team behind Summerhill Financial Services
Our clients come from all sorts of backgrounds, with all sorts of different aspirations, and a vast range of experience in managing money. Some are very wealthy professionals. Some are not. Some are excellent at managing their money, some - are not.
However, all of them want expert guidance in building their wealth and choose to receive financial advice because they have neither the expertise, time, nor desire to manage their personal finances themselves. They want to spend their time on pursuits and activities they enjoy, rather than using up their free time trying to keep up-to-date with what they should be doing to make the most of their income and investments.
What do we do?
We provide you with financial coaching to make the most of your income and wealth. We want you to have the time to do the things you want to do now, as well as make sure you are on track financially to continue to live the life you want to in the future.
Many people get the general idea of what "financial advice" is but have no detailed understanding of how it all works. Some people have wondered if we set them a budget? Or buy shares for them? Or take over managing their bank accounts? Handle their insurance? And so on.
What we do for every client is what that client wants us to do and what we agree on. So firstly, we want to understand why you want to seek advice, and then our role is to keep you on track to make sure you get there.
Diversified Financial Planners - Financial Planners & Advisors Melbourne
03 9770 6490
Money in super is taxed in different ways to your other investments. It's designed to reward you for investing for the long term. Diversified Financial Planners 'have great experience in Superannuation.
Retirement may seem like a long way off, but putting money into super now is still a tax-effective way to invest your money. You also can benefit from the effects of compounding returns.
Self Managed Superannuation
The benefits of SMSFs include greater control over your super, flexibility and choice. We have an SMSF SPECIALIST ADVISOR™ with the SMSF Professi(SPAA)
Insurance is the foundation of all financial plans. Diversified Financial Planners can help you evaluate the risks and come up with the right insurance solution for you and your family.
Thanks to better health care, we are living longer. This means that some Australians will spend more time in retirement than in the workforce. You'll need money to fund your retirement – and a fair bit of it.
According to research from the Reserve Bank in its 2004 annual report, Australia enjoys one of the greatest homeownership rates in the world. But in a time of high house prices, how do you make it.
About Diversified Financial Planners
The friendly and professional team at Diversified understand that everyone has different goals, assets and journeys when it comes to financial planning.
Recognising each individual situation and life stages is the first step in building ongoing relationships and providing tailored solutions and advice.
With that in mind, our qualified team will guide you on your journey, identify your goals, tailor a financial plan or investment strategy, and put you in control of your finances and future.
As we journey through life, we are confronted with different situations in relation to our finances.
Initially, it may be in relation to contributing to our super, planning for parenting or buying a house. Later in life, we may wish to start a business, purchase an investment property or plan for our retirement.
Regardless of your life stage, Diversified is here to assist you with tailored, professional advice and strategic solutions to protect your current lifestyle and secure your financial future.
Our Ongoing Review & Service Packages
To ensure you remain on track to achieve your goals and objectives, we offer a range of ongoing service packages that can be tailored to accommodate your personal requirements.
How We Help You
At Diversified, our qualified and experienced Financial Planners provide our customers with excellent planning, prudent and cutting edge strategies and successful implementation.
Affinity Private Advisors - Financial Planners & Advisors Melbourne
1300 769 305
We take our assigned role as your trusted adviser to manage your wealth very seriously.
At Affinity Private Advisors, we take our assigned role as your trusted adviser to manage your wealth very seriously. Therefore, every care, attention, and consideration, coupled with thorough due diligence, is conducted when developing your personalised strategy. It is designed specifically to suit your needs and meet your financial objectives and reach those milestones you had always hoped for to provide for your family's wealth for the years to come.
Investment & Portfolio Management
The cornerstone of our objectives based investment methodology is a consulting process usually reserved for institutional investors.
Our collaborative expertise uniquely positions us to provide personalised, robust and timely advice as we strive to redefine excellence in wealth management. We collaborate with some of the leading global investment managers available and blend both active and passive strategies to achieve a dynamic, risk focussed portfolio that will stand the test of time. We take a long term strategic view on portfolios and integrate tactical strategies in line with the current economic or market environment.
Retirement and Income Strategies
Before we can begin the process of mapping out a Retirement and Income Strategy, we need to look deeper at the underlying desires and thinking behind what our clients want to achieve in their lifestyle years. No two outlooks will be the same, which is why we don't apply a standard formula to each client's case in the vague hope of success.
Although employment and retirement are two very different lifestyles, they are periods in life that should be treated with equal care and respect. While it's imperative, there is a sizeable amount of money in the bank accessible to you in retirement. It's unfortunate to see a client genuinely unsure as to where to physically turn next in this important stage of life. This is why we remain adamant in encouraging our clients to emulate the same time and energy on their lifestyle goals as they did on their career aspirations.
Personal & Business Insurance
Following a financial plan is key in achieving your long-term goals and financial freedom. However, even the most detailed financial plan will quickly become redundant if it's not protected by Personal and/or Business Insurance Protection. Insurance cover is imperative to ensure that your and your loved one's financial needs can be met and maintained should a worst-case scenario arise, such as serious illness, injury or even death.
At Affinity Private Advisors, we specialise in providing expert advice to various professions, including business owners, partnerships and everyday individuals. Every effort is made to ensure we have a thorough understanding of your current financial position as well as your future financial goals. This enables us to calculate and establish an optimal level of cover, using only the most reliable insurance policies on the market with a proven track record. We also advise on how to make the most out of tax considerations by offering recommendations on policy ownership.
Estate and Succession Planning
Estate Planning is the evaluation of your current and future assets, financial objectives, insurances, Superannuation and your family's requirements. While a basic Will acknowledges the receipt of your assets to those you intended, a thorough Estate Plan allows you to maximise the wealth that is transferred by minimising tax burdens on your beneficiaries and protecting your loved ones' inheritances from falling into the wrong hands.
Affinity Private Advisors maintains open channels to some of the best Estate Lawyers in Australia. Alternatively, we can liaise with your chosen legal representation to ensure your Estate Plan is rock-solid and free from any vulnerabilities and loopholes. Once the plan is in place, we review it periodically to ensure we are up to speed with any tax law changes that may affect the initial plan and then determine how we can alter it to stay a step ahead while maximising the financial outcomes.
Philanthropy - Charitable Giving
One of the more satisfying aspects of our role at Affinity Private Advisors is discovering all the different philanthropic activities our clients participate in and their genuine desire to give back to the charities they are passionate about. It's an extremely rewarding process to assist our clients with managing their short-term and long-term charitable goals in line with the continued development of their wealth.
About Affinity Private Advisors
True Wealth is founded on the freedom to achieve your own potential and personal success.
Affinity Private Advisors was established to help busy professionals and business executives create a meaningful, authentic life through the privilege of wealth. After having worked in corporate, business and investment banking, our Principal's saw a need to provide innovative and distinct financial advisory solutions in an unbiased, uncompromised way to help enrich the lives of our clients.
Our carefully structured team of experts are dedicated to turning our client's dreams and aspirations into reality. The ultimate focus is to ensure our clients are provided not only with sound knowledge and expert advice on their financial affairs but with confidence in knowing they are fully equipped to forge ahead in achieving their goals without reservation.
Australian Property Advisory Group - Financial Planners & Advisors Melbourne
1300 760 902
Property Advisors In Melbourne
At Australian Property Advisory Group, we help you understand the importance of dealing with independent professionals insured to provide professional unbiased advice. Real Estate Agents represent the vendor buyer's advocates represent the buyer. Whilst we are buyer's agents/advocates, we are qualified to provide our client's advice, taking into account their personal circumstances, risk profile, goals, and needs analysis/ requirements.
We do not employ salespeople or telesales people. We do not cold call. If you have received a cold call, it is from another firm with a similar name. We can only help you if you make an enquiry with us.
Why should you consider engaging the services of a true property investment advisor?
Since the 1960s, we have been seeing a huge rate of population growth with the 'to be expected' growth in property, along with hundreds of estate agents offering a huge range of properties for sale at any given time. Whilst there is more and more information available on the internet, many buyers lead busy lives, particularly in their work. As a consequence, many are time-poor and can't devote enough time to source their ideal property. This gives rise to a more specialised property investment advisor. Pays the commission to the agent to source a property. This can be helpful for buyers who live out of the area, interstate, or even overseas. Once the property has been found, the agent will negotiate with the vendor's agent on behalf of the buyer.
Expert Property Advisors For Discerning Buyers
We understand that finding the right property can be a time-consuming process. Based on your precise needs, we can help you identify the right property and ensure that you only invest in the most suitable property. With our service, you can get access to the widest possible range of properties up for sale.
Australian Property Advisory Group has been established by Andrew Crossley, avid Property investment and passionate about helping others achieve results.
How We Can Help You Increase Your Wealth
Our clients benefit from our personal experience and the same proven processes we use for our own investing. Our planning process is underpinned by impartial and thorough research and analysis.
We adhere to professional standards throughout the advice and property sourcing process that includes transparency, full disclosure and avoidance of any conflicts of interest. This is backed up with professional indemnity insurance. We charge a fee for service for the property research and advice provided.
We have access to substantial resources, networks, business processes and systems.
How We Can Help You Get Started
Our "risk-free" engagement process involves a free no-obligation meeting, some fact gathering and initial analysis between meetings, and feedback to you on what's possible.
The initial meeting involves spending time discussing your goals and how we could help you. It's primarily a getting to know each other session to see if you're comfortable with me and also for us to judge whether we can help you.
At the follow-up consultation, we provide feedback on what's possible, confirm our terms of engagement and then put the Property Investment Advice process into full gear.
Scope of services provided include a) full property advice, b) portfolio review and optimisation, c) property sourcing and selection, and d) ongoing mentoring and support. These services are detailed in a Property Investment Services Guide provided at the initial meeting.
Future Planners - Financial Planners & Advisors Melbourne
03 9824 8623
Who Are We?
We're Future Planners, a boutique financial planning business delivering strategic advice and hands-on service across the financial planning spectrum. Between us, we bring more than 100 years of financial planning experience to the business and, based on this. We've been building long term relationships with a growing and loyal group of clients who understand the value of our collective expertise and client-centric approach to financial planning.
People come to us with a wide range of needs. They may have an immediate financial query; they might have lost their way or hit a brick wall in personally managing their finances for one reason or another. They may just want our help in achieving their goals and their dreams. At Future Planners, we devote ourselves to understanding these objectives and assisting our clients in reaching their goals and fulfilling their dreams.
Your Financial Future Is Our Business
We have the expertise and experience to provide a comprehensive financial service for each and every client. Taking the time to understand your position and priorities, we tailor a strategic plan to meet your specific needs. Our strategies are based upon the understanding that clients need to plan for and build on those areas they can see and control, and as far as possible, protect against those they cannot.
Established in 2011 and based on a collective century of experience in financial services, we are a financial planning firm focused on delivering strategic advice and hands-on service. We assist in all aspects of financial planning and specialise in Self-Managed Super Funds – including property acquisition, Centrelink optimisation, aged care and estate planning. We are owned and operated by management and deeply value the long term relationships we hold with clients. With an average of more than 25 years in the financial services industry, our clients benefit from the combined experience we bring to the table. Expertise and integrity are the keys to our business approach.
Kearney Group - Financial Planners & Advisors Melbourne
03 9428 8823
At Kearney Group, we're much more than just accountants or financial advisers. We're pioneers, charting a new way forward for the future of financial advice.
When you choose to work with us, we look to understand you as a person: your family and your business, your hopes and dreams, and all the things unsaid that keep you up at night. Where other advisers see their clients as bank accounts and balance sheets, we look beyond to the human.
And, like so many of you, we believe financial services is long overdue for a shakeup. So at Kearney Group, true collaboration sits at the heart of all our work. Ours is not a one-size-fits-all approach, nor the eternal shuffle-to-someone-else-who-can-help-you, always in another department. Instead, we work across divisions and teams to provide holistic financial services that put you at the centre and save you from the run-around.
At Kearney Group, we're pioneering truly integrated advice, exploring the intersection of business and household. Offering multidisciplinary services across three divisions – Business Advisory, Private Wealth, and Strategic Lending – provided by an expert team bound together by a single goal of gathering around you and your unique needs.
That's why we're not just accountants or financial advisers. And that's why, for our clients and our team alike, we're known for pushing beyond the transactional to make way for the transformational.
Integrated advice teams.
At Kearney Group, we know the traditional limits of our space: a typical accountant gives you business advice without understanding its impact on your household. A mortgage broker can't tell you how a loan will impact your tax or long-term financial objectives. A financial planner can't even begin to understand the pressures of running a business, let alone integrate your business objectives into your overarching financial plan. Financial advice is plagued by silos.
At Kearney Group, we shift the dial – from silos to systems. Our integrated advice model deliberately breaks down the walls between divisions and individual advisers and assembles a team of experts from across our firm to provide dedicated service to you.
Paul Kearney founded Kearney Group in 1986 as a tax and accounting firm.
After 30+ years of constant reinvention and transformation, Kearney Group today is the vanguard of truly integrated financial advice for pioneers and their businesses.
Our team of more than 50 strong – working across our Business Advisory, Private Wealth, and Strategic Lending divisions – offers a full range of holistic financial services.
With one eye ever on the future, for our practice, clients and team members alike, we are catalysts for big ideas and lifelong home for the entrepreneurial spirit.
Bridges - Financial Planners & Advisors Melbourne
03 8655 5743
At Bridges Melbourne Central, we believe financial advice makes a difference. Financial planning is about helping you plan for a future lifestyle that is as good as it can possibly be. Our advice covers a broad spectrum of financial planning and investment services.
No matter your age, the advice of a professional financial planner, is crucial in helping you achieve your financial goals by developing a strategy specifically for you. Clear, easy to understand, quality advice is at the heart of everything we do.
- Financial planning
- Superannuation strategies
- Retirement planning
- Investment strategies
- Personal insurance
Financial advice makes a difference.
In today's world of changing legislation and volatile financial markets, most people find it difficult to know how, when and where to invest their hard-earned money.
That's where a financial planner can help. A financial planner will help you look at your whole situation to ensure that the financial decisions you make set you on the right path to achieving your goals, both in the short and long term.
Pursuit Private Wealth - Financial Planners & Advisors Melbourne
(03) 9705 6366
Who are we?
Pursuit Private Wealth provides Financial Planning services to Melbourne's South East corridor and Gippsland region with office locations in Melbourne and Narre Warren. We specialise in Wealth Creation, Strategic Advice, Portfolio Management and Asset Protection and have expert knowledge in the areas of Trust and Self-Managed Superannuation Strategies and Investing.
What do we do?
Taxation Planning, Tax Effective Investing, Superannuation and Retirement, Gearing / Leverage, and Estate Planning are complex areas. There are various strategies available to you, and working out the optimal outcome to achieve your wealth targets is essential. We have a range of strategies that have been developed over many years, and we draw on our teams' many years of experience in Banking, Accounting and Finance industry positions.
This can mean many things to many different people. To us, it means creating focused and disciplined investing patterns that can achieve your personal needs, goals and objectives. No matter what the dollar figure is, wealth creation is about creating a comfortable fulfilling lifestyle, both pre and post-retirement. We assist accumulators and retirees in building wealth in a manner that reflects their attitude and personality, and we are focused on their goals as though they are our own.
Protecting your money can be as equally important as earning it in the first place. We provide specialist advice on structuring and asset ownership which ensures your wealth benefits your family now and continues to benefit your future generations. We provide complex advice on structures including; Private Companies, Family Trusts, Unit Trusts, Discretionary Trusts and Self Managed Superannuation Funds.
We tailor portfolios to individual needs. There is no "one size fits all" approach. Each client portfolio is carefully constructed to meet client needs and risk tolerance. We provide advice and solutions in all areas of investment; cash, term deposits, mortgage trusts, bonds, hybrids, shares (domestic and international) and property (residential and commercial). Our portfolios contain direct assets with transparency of holdings and benefits and are well diversified to mitigate single asset risk.
Money Mechanics - Financial Planners & Advisors Melbourne
1300 772 644
Money Mechanics Financial Planners
Money Mechanics are Financial Planners with advisors in Melbourne and Canberra.
We help clients in the areas of cash flow planning, wealth creation, salary sacrifice, self-managed Superannuation, public sector and industry-based Superannuation, redundancy, estate and risk management planning.
Our holistic values-based financial life planning approach combines technical expertise with a personalised financial plan to help customers achieve their life goals.
Financial Advisors in Life
At Money Mechanics, we practice what we preach. This includes investing in the property and share markets along with being trustees of our own Self Managed Super Fund while also enjoying a work-life balance. We believe everyone should spend time enjoying the best of career advancement and work-life as well as their family life.
Established by Scott Malcolm in 2009, Money Mechanics are specialist financial life planners in the areas of:
- Self-managed super funds
- Public sector superannuation
- Wealth creation
- Salary sacrifice
- Gearing strategies
- Estate and Risk management planning
Our values-based financial life planning approach brings together technical, financial expertise and the human touch to create a financial planning solution tailored towards your overall life goals.
We have a unique fee for the service financial advice menu, so you can choose how we work together based on a fixed hourly rate.
We choose to not take upfront or ongoing commission on investment products to provide our clients with a clear understanding and transparency of what fees they are paying and what they are paying for.
AGS Financial Group - Financial Planners & Advisors Melbourne
03 8548 6455
About Ags Financial Group
AGS Financial Group is a privately owned and managed financial services business
In 2002, Paul Bolstad and Alex Berlee joined forces to create AGS Financial Group, which has since won numerous awards, including 6 x "AFR Smart Investor Magazine Top Financial Planner" awards, AMP Financial Planning's Practice of the Year State winner and National Finalists, and BRW Top 100 Accounting firms.
AGS helps business and private clients manage all aspects of their finances because we know that understanding what's important to you, and helping you make the right financial decisions now, will determine the life you live tomorrow. AGS Financial Group - partners in Advice, Growth and Security.
AGS Financial Group has been built on personalised customer service and professional strategic financial advice that has been helping people reach their financial goals. AGS has grown to become a team of over 100 professionals dedicated to serving the needs of businesses, employers and individual clients.
The AGS financial advisors are some of the most experienced and respected in the Australian financial services industry. The Financial Planning services of AGS are provided as an authorised representative of AMP Financial Planning Pty Limited (AFSL 232706).
Corporate Superannuation and benefits consulting.
AGS Financial Group specialises in managing the superannuation funds for corporate clients, working closely with HR, Finance and Payroll personnel on corporate Superannuation, taxation, group insurances, salary packaging and member benefit programs. AGS provide service, education and advice to employers and their staff.
When you reach the crossroads of managing your corporate Superannuation and salary packaging program in the house or with external support, contact AGS to discuss your requirements.
The team at AGS Accounting can advise you on all Tax and Accounting matters such as income tax return preparation and compliance, management accounting, tax planning, business development and strategic planning, financial forecasting, company secretarial, and self-managed superannuation funds.
For business owners, our focus is on not just delivering the tax compliance basics, but on delivering proactive and value-added services - helping you to run a more profitable business, increase your business as an asset for the future, and plan a successful exit when the time is right.
Strategic Wealth - Financial Planners & Advisors Melbourne
03 8610 1778
Strategic Wealth provides astute investors with specialist advice and bespoke investment solutions
Working with executives, professionals, expatriates, small business owners and retirees, we tailor smart solutions aligned to achieve financial goals.
And with a unique industry-wide perspective, our insight and guidance enable our clients to build on their assets and create successful financial returns.
Strategic Wealth works for you and with you to navigate and develop the right solution. We seek to understand first, then develop a financial plan that:
- Optimises wealth accumulation and retirement income
- Is tax effective
- Is appropriate, competitive, relevant and achievable.
Wealth creation isn't luck, and it doesn't happen by accident. It can be qualitative in nature and provide peace of mind from knowing that you are doing everything you can to secure you and your family's future. Or it can be quantifiable and based on tax savings, holding investments within the right structures, and adopting behaviours that do not destroy wealth. At Strategic Wealth, we specialise in providing prudent and honest investment advice to:
- Small business owners
Strategic Wealth has been providing private wealth management advice since 2004. Our award-winning team are industry qualified, curious and immerse themselves in your world to enhance your personal wealth. We continually challenge our knowledge levels, adapting to an ever-changing financial, economic and legislative landscape to ensure we are at the top of our game.
AJ Financial Planning - Financial Planners & Advisors Melbourne
We are an innovative financial planning firm.
AJ Financial Planning is a boutique firm. We pride ourselves on cultivating one-on-one relationships and providing premium services to our clients, which sets us apart from larger firms with a less personal approach.
Why choose AJ Financial Planning?
We pride ourselves on delivering innovative solutions and a fresh perspective to our client's financial situations.
Tailored Financial Advice
We believe that having thoughtful, well crafted, and high-quality financial advice is paramount in our view to financial success.
We understand that sometimes you just want to speak to a real person who understands your financial position, and that gets what you are trying to achieve.
We enjoy watching success grow from thinking differently about the traditional formulas to life.
Two of the most common questions we are asked in an initial enquiry are "What is your process?" and "What do you charge?"
Our process is simple. An initial free consultation allows us to understand the scope of work required and to determine if we are able to assist you with your personal financial situation. Following this meeting, if you wish to proceed, we prepare an email confirming the 'scope of work', which is sent through for your approval. This email outlines our understanding of your personal financial situation, the types of advice you require and the proposed costs for us to prepare this advice.
Discover the outline of the steps in our engagement process.
AJ Financial Planning is an innovative, creative financial planning firm located in Porter Street, Prahran. We presently have clients in all major states of Australia and enjoy working with clients one-on-one with them to achieve their goals and objectives in a friendly and personal manner.
Our purpose is to help you, our client, have an inspiring, awesome future!
To achieve this, at AJ Financial Planning, we take a great time and care in crafting a strategic financial blueprint to help move you towards your financial goals and objectives.
Over the years, we have found that in reality, it is not just a lump sum of money- a pot of gold at the end of the rainbow- that most clients seek. Rather, it is how they can make that money work in their favour; what capital and cash flow can deliver to them at the right time. As such, we have worked with clients all over Australia to guide them carefully and prudently through life's financial maze.
AJ Financial Planning recognises that education is also an essential foundation for our clients to learn and understand why what they want out of life and why we take particular directions with our advice to them. To achieve this, we have created educational symposiums to educate and inspire you. Our program is committed to bringing what we believe to be the greatest ideas and thoughts from around the world in the areas of finance and investing.
Casey Wealth Advisers - Financial Planners & Advisors Melbourne
(03) 9769 9890
Casey Wealth Advisers has been servicing the Berwick and Pakenham areas since 2001, providing a range of wealth advice and Financial Planning services to help people grow, manage and protect their wealth.
We will take the time to really listen and understand you. Our aim is to put you at ease, take the worry away and give you a feeling of confidence that you are inexperienced.
We will work with you on a plan for your future and guide you through the process to get there. We will ensure you never feel like a "number" - we will build a relationship with you, not your file. We promise to always deliver on the commitments we make to you
Our comprehensive range of services can help you create, manage and protect your wealth, no matter what stage of life you're in. Our services include:
- Retirement Planning — We will help you work out what you need in retirement and then how best to get there. We can assist in structuring your finances to maximise Centrelink entitlements.
- Superannuation — We believe Superannuation is probably the most misunderstood investment vehicle and is a great way to maximise your retirement savings. We can help you make the most of government incentives, including effective taxation treatment.
- Self Managed Superannuation Funds — We will help you to maximise the investment opportunities available to you should a Self Managed Super Fund be appropriate for you. We will work with you to ensure your Super Fund has a relevant, compliant and robust Investment Strategy.
- Aged Care Strategies — We can help you (or your parents) with strategies to minimise care fees when entering an aged care facility. This is a very complex area that requires expert advice.
- Personal Risk Insurance — Risk insurance is an important part of any financial plan as it protects you and your family – no matter what happens.
- Estate Planning — Working in conjunction with your solicitor, who will draft all required documentation, we can help ensure your assets pass smoothly to the right people and in the most tax-effective manner.
- Wealth Creation — In consultation with you, we can create a personalised investment portfolio to help you achieve your financial and lifestyle goals.
- Redundancy Advice — if you're about to receive a payout (or already have received one), we can help you maximise the effectiveness of your payout and prepare for your next job.
Foundation Financial Advice - Financial Planners & Advisors Melbourne
About Foundation Financial Advice
Conveniently located in the heart of Melbourne, Foundation Financial Advice is an FPA Professional Practice which helps clients like you maximise their financial position, ensure no opportunities are missed and provide an obtainable pathway to wealth. We help you achieve your goals on a fee for advice basis, so you can focus on enjoying life and not worrying about financial problems.
Foundation Financial Advice was established by Peter Tribolet. A Master's degree qualified CFP® Practitioner with over 15 years of industry experience.
What we do?
We understand we will only succeed if our clients succeed. Our business is customer satisfaction through financial enhancement. We have successfully helped clients achieve their goals through the following services.
Personalised advice and strategies for either a smooth transition to retirement or maximising your position to retire in style as you deserve. We look after your financial affairs so you can enjoy life and focus on the things you love to do. We help you and harmonise your position for the optimum balance of maximising Centrelink, minimising or elimination of Tax and both Asset protection and growth.
Helping tailor investment strategies, assisting in LRBA (Limited Recourse Borrowing Arrangements) for Property to be structured in both Commercial and Residential. Family intergenerational wealth planning and complex requirements. Combination SMSF Private risk and Industry fund advice. From establishment to winding up.
Defined Benefit Expert Advice
One of the few Advice firms, the objective of the provider, which will advise you how to get the maximum benefit possible out of these formula-driven funds and integrate the benefits into your holistic financial position and plan to outline optimisation and saturation points in the formula.
Wealth Creation Strategies
We design a plan that incorporates a diversified range of strategies that collectively can provide you with the necessary assets to build and protect real wealth. Your circumstances will determine the plan or suite of different assets (shares and property inside and outside super) that is required for you to reach your goals.
Superannuation Advisory Service
Pre & post-retirement strategies to ensure you and your family's financial security in retirement. Intergenerational planning.
Aged Care & Estate Planning
Ensuring you or your loved ones enter the frailty years in the most informed way with CHOICE, it is also imperative to plan for the distribution of Estate assets to reduce them being eroded by Tax or fees for the family. Strategies to both retain the family home and protect, distribute and invest the proceeds.
Insurance And Risk Analysis
Research all approved and existing insurance policies for specific suitability, tax effectiveness and cost efficiency to match your personal situation and protect your and your family's financial position.
Debt Recycling And Reduction
Offer alternatives and advice on ways to structure your debt, identify 'good & bad' debt & maximise the use of the equity in your property assets to maximise tax reduction and asset growth whi¦st protecting cash flow.
Assist you in determining and quantifying your living expenses budget that you are comfortable with and measure this regularly. This is then protected, and surplus is driven to your investments, allowing you to reach and exceed your goals efficiently.
Loan Structuring And Debt Advice
Reduce your interest expense, establish an offset and linked card strategy to utilise deferring expenses while offsetting interest—complex structures for property portfolios, SMSF or Business Loans.
Ensure you have the right amount of protection so that your business will continue in the event of accident, illness or premature passing of a partner or key staff member.
Claim, Centrelink, Workcover Or Complete Financial & Investment Check-Up
Common sense, down to earth, honest, confidential and professional financial planning advice in your best interests!
LBW Business + Wealth Advisors - Financial Planners & Advisors Melbourne
03 9670 4445
LBW Business + Wealth Advisors, leading Geelong Accountants, Business Advisors + Financial Planners.
Get strategic advice and solutions as an individual or business from our team of accountants and advisors and improve your wealth management.
We go beyond traditional Accounting.
LBW is a leading Geelong Accountant's that are focused on understanding your situation and goals to provide strategic advice and solutions. We provide accounting and wealth advisory to improve our client's wealth management to help them reach their short- and long-term goals.
Proud supporter of Geelong Businesses.
Our team of highly qualified accountants, financial planners and business advisors are passionate about supporting Geelong, Melbourne and Australian businesses to grow. We understand Geelong businesses needs and are a proud major sponsor and supporter of the Geelong Business Excellence Awards.
We go on the journey with our clients.
We understand that personal and business accounting and wealth management needs are ever-evolving. We grow together with our clients, helping achieve their goals by supporting them in these critical areas:
Business Advisory Services
More than just compliance activities. We will develop a deep understanding of your business and your specific needs.
Extensive experience providing tax advice to individuals, family businesses or multinational companies.
Personalised planning and expert advice for a successful retirement. LBW will help you plan with tailored options.
Financial Planning Services
Manage all your financial matters with ease and confidence. We care about your financial health.
Audit and Assurance Services
Experience in the audit of all types of organisations and business structures in a constantly changing environment.
LBW is one of Geelong's largest locally owned public accounting practices and has been in operation for more than 30 years. Our interactions with each other, our clients and our community are guided by the LBW WHY and our Values.
Lbw Why - Partnering with our clients, our people and our community on a journey of success by growing together and thinking and acting differently.
Our Values - Respect, Integrity, Trust + Continuous Improvement, Innovative + Learning mindset, Curious + Working together, Accountable, Care + Have Fun!! Our values inform our behaviours and are at the heart of everything that we do.
Planning for Retirement
Planning for retirement can be complicated, regardless of your current financial situation. There are a lot of questions that need to be answered, such as:
- When should you start collecting social security?
- When should you start pulling from investment accounts?
- Should you stop working?
- When is it too late to start investing money for retirement?
- How much money do you need to set aside so you can retire comfortably?
A financial advisor can help you plan for a successful retirement based on your income, lifestyle, and future plans. They'll tell you exactly what you need to do to make your goals a reality.
Managing Your Assets
One of the most important reasons to hire a financial advisor is if you have a high income or net worth. They can help you manage your wealth through various accounts, assets, and investments, as well as provide valuable information about planning for taxes. They can help guide you through the management process or take the reins with your permission, keeping you apprised before, during, and after each decision.
If you make a lot of money, you're also going to need help holding onto it rather than forfeiting a large portion over for taxes. A financial advisor can help you legally manage your funds to save as much of it as possible come tax season.
Understanding Investment Options
Another important role of a financial advisor is providing information and advice about investing. Many of us don't know much about stocks, bonds, IRAs, and other forms of investing. A financial advisor can put you on the right path for investing money for maximum financial gain.
This includes everything from tax-exempt bonds, real estate investments, business investment opportunities, taxable bonds, and more.
Planning for a Growing Family
Finally, many people find comfort in hiring a financial advisor when planning their life and future for a new or growing family. A growing family has a significant impact on your finances. You'll need a bigger home, a bigger or more practical vehicle, and more.
When raising children, you need to plan the costs of:
- The baby stage (cribs, diapers, safety modifications, etc.)
A financial advisor can help you plan for a future with a growing family to make sure you provide a full and enriching life for your children.
Typical job duties for a financial advisor include:
- Market research
- Market analysis
- Recruit and solicit clients
- Assess clients' needs and goals
- Recommend strategies
- Execute strategies
- Monitor accounts
- Identify new opportunities
- Follow Securities and Exchange Commission regulations
Financial advisors assist individuals with their investment strategies by assessing clients' financial situations and making recommendations. Advisors often execute strategies for clients. Clients' needs can be varied, including both short-term and long-term goals, and advisors will need to present a strategy that addresses all needs. For example, a client may want to build a retirement fund in addition to saving for children's college expenses that may be only a few years in the future.
To be successful, financial advisors need to have a deep understanding of investment markets and a knack for identifying the best stocks, bonds, or funds.
Recruiting new clients also is a big part of the job, especially when starting out. Financial advisors accomplish this through traditional advertising, mailings, or cold calling. They also might hold seminars on financial planning or speak at seminars held by others. As financial advisors build a client base, they can do more to build their business through word of mouth, assuming their current clients are happy with the investment advice they are receiving.
In the case of an individual, a financial advisor can provide insight into how they can save more and build their wealth. This is often done by constructing a portfolio of investments that are well suited to the client's risk attitude. Some clients are more willing to take on risk if the prospect of a potential greater reward is more compelling to them than the prospect of potentially losing money.
Conversely, there are also clients who are more risk-averse and that would like a lower-risk portfolio, even if it means potentially lower returns.
Determining an individual's risk attitude may be difficult since an individual's risk attitude can depend on a great number of factors. Thus, a financial advisor may ask about things like the individual's age, income, marital status, indebtedness, or savings in order to gather a solid understanding of their client.
In the case of companies, financial advisors can help provide a second, neutral perspective on corporate development projects. For instance, if a company is considering expanding its operations by building a new factory, financial advisors can help assess the profitability of the project independently.
Once the advisor's assessment is concluded, they can present their findings to the company's management with the goal that their analysis will provide the company's leadership with a valuable second opinion.
Meet and compare financial advisers
Financial advisers don't usually charge you for the first meeting. This makes it easy to meet with a few different advisers to compare what they offer.
When you meet an adviser, ask them about:
- their qualifications, main client base, and specialty areas
- what fees you will pay, how often and what you'll get in return
- how they'll manage your money
- how often you'll meet
- what information you'll receive and how often
- how they'll consult you on decisions
- how they'll monitor and manage your investments
- what commissions or incentives they receive from financial products, and how they'll choose products to recommend to you
- who'll look after your account when they're away
- how they'll deal with complaints (see problems with a financial adviser to learn about the complaints process)
- how to end your agreement with them (including any penalties or notice periods)
A good adviser will get to know you, keep you informed, and help you achieve your goals. They'll also discuss how much risk you're comfortable with.
Choose the right financial advice for you.
A financial adviser can give you general financial advice. This type of advice doesn't take into account your personal situation or goals or how it might affect you personally.
A financial adviser can also give personal financial advice. This advice is tailored to your financial situation and goals and is in your best interests. It can include:
- Simple, single-issue advice — Help with one financial issue, for example, how much to contribute to your super or what to do if you inherit shares.
- Comprehensive financial advice — Help to develop a financial plan to reach your financial goals. This covers things like savings, investments, insurance and super and retirement planning.
- Ongoing advice — Regular monitoring and review of your financial plan and affairs.
Decide what you want from financial advice.
Before you get financial advice, decide what you want to get out of it. This depends on your stage of life, how much money you have, and what you're trying to achieve.
A financial adviser can help you make financial decisions and plan for the future. This might include advice about budgeting, investing, super, retirement planning, estate planning, insurance and taxation.
Finding the right financial adviser can take a lot of this weight off your shoulders, but giving someone access to one of the most sensitive parts of your life can be emotionally challenging.
As you hunt for a financial adviser, you're actually hiring someone to work for you. It's a job interview, so it's important to pay close attention to all the answers the adviser gives. And watch out for the "adviser" that a financial company provides to you for free. These advisers are usually riddled with conflicts of interest – they're more salespeople than advisers. That's why it's critical that you have an adviser who works in your interest.
If you're looking for an adviser who can truly provide real value to you, it's important to research a number of potential options, not simply pick the first name that advertises to you.