Financial Planning Services Melbourne

Build lasting wealth with clarity, confidence and care.

For Melbourne professionals, families and business owners who want a financial plan that actually works.

Whether you need help with investments, retirement planning, insurance, tax strategy or estate planning, we bring it all together into one clear plan. No jargon. No conflicts of interest. Just honest advice from advisors who take the time to understand your goals.

Based in South Melbourne and serving clients across Melbourne, we are a team of licensed financial advisors who believe good advice should be accessible, transparent and built around you.

Conflict-free, fee-for-service advice
Comprehensive financial planning across all areas
Ongoing support from Melbourne-based experts

Book a Financial Planning Consultation Talk to a Financial Planner Today

*Professional. Licensed. Recognised for excellence.

Our Financial Planning Services

Start My Investment Plan

Investment Advice

Build a diversified portfolio aligned with your goals, risk tolerance and time horizon. Shares, ETFs, property and more.

Retirement Planning

Plan your retirement income with confidence. Super strategies, pension structuring and Centrelink optimisation.

Superannuation and SMSF

Maximise your super. Contribution strategies, SMSF setup and management, and compliance-aware investing.

Tax Advisory

Tax-aware strategies that work with your accountant. Structuring, asset location and tax-efficient investing.

Estate Planning

Protect your family and pass on wealth. Wills coordination, super death benefits and intergenerational planning.

Life Insurance

Protect your family with the right cover. Life, TPD, income protection and trauma insurance reviews.

Who we help

Professionals and executives: Turn your salary, bonuses and equity into long-term wealth with a clear investment policy and tax-smart strategies.
Families and couples: Build financial security together. Coordinate super, investments and insurance across both partners.
Business owners: Build wealth outside the business. Exit planning, profit extraction and personal financial security.
Pre-retirees and retirees: Plan your transition with confidence. Retirement income modelling, pension strategies and Centrelink optimisation.
Those who have received an inheritance: Navigate a windfall with care. Tax implications, investment strategy and thoughtful decision-making.

Why Choose Angel Advisory?

Conflict-free advice

We do not sell products or earn commissions. Our recommendations are based on what is right for you, not what pays us the most. Transparent fees agreed upfront.

Comprehensive planning

We look at your whole financial picture: investments, super, insurance, tax, estate planning. Everything works together as one coordinated strategy.

Melbourne locals

Based in South Melbourne, we understand the local property market, Melbourne professionals and the unique challenges of living in this city.

Plain English

No jargon, no unnecessary complexity. We explain your options in language you can understand and make recommendations you can actually follow.

Ongoing support

Financial planning is not set and forget. We review your plan regularly and adjust as markets move, legislation changes and your life evolves.

ASIC regulated

We are licensed and regulated. Our advisors are qualified professionals who meet ongoing education requirements and operate under strict compliance standards.

Based in Melbourne and serving clients across South Melbourne, Brighton, Prahran, South Yarra, Windsor, Williamstown, Yarraville, St Kilda, Caulfield, Albert Park, Port Melbourne and nearby suburbs.

Start My Investment Plan

Start My Investment Plan

How Our Financial Planning Works

Initial Consultation (Complimentary)
We meet to understand your situation, goals and concerns. We explain how we work and whether we are the right fit for you. No obligation, no pressure.
Build Your Financial Plan
We gather detailed information and develop a comprehensive plan covering:
- Investment strategy (asset allocation, portfolio construction)
- Superannuation optimisation (contributions, investment options)
- Insurance review (life, TPD, income protection, trauma)
- Tax-aware strategies (structuring, asset location)
- Estate planning coordination (wills, super nominations, powers of attorney)
Implement and Review
We help you put the plan into action. Then we meet regularly to review progress, adjust for changes and keep you on track toward your goals.

Meet Your Melbourne Financial Planners

Experienced advisors helping Melbourne professionals, families and business owners build lasting wealth.
Melbourne locals who value clarity, independence and long-term trust.
Specialists in investments, retirement planning, insurance and estate planning.
ASIC-regulated and focused on transparent, lasting results.

Your goals. Your wealth. Our expertise.

Learn More About Us

Frequently asked questions

We help you grow, protect and manage your money. We connect your investments, tax, super, insurance and estate planning into one clear, personalised strategy. We work with you over time to keep your plan aligned with your goals as life changes.

We charge transparent, fixed fees agreed upfront. No commissions, no percentage of assets. You know exactly what you are paying before we start. Fees depend on the complexity of your situation. Our initial consultation is complimentary.

Yes, we do different things. Your accountant handles tax compliance and lodgements. We focus on strategy: investments, super, insurance, estate planning and long-term wealth building. We work alongside your accountant to ensure your tax and wealth strategies are aligned.

At least annually, or whenever something significant changes: a new job, inheritance, property purchase, business sale, health issue or family change. We schedule regular reviews to keep your plan current and responsive to market and life changes.

We are fully independent and fee-based. We have no in-house products, no sales commissions and no hidden incentives. Every recommendation must serve your goals, not ours. We disclose any third-party payments where relevant.

We start by understanding your situation: assets, debts, income, family context and goals. We explain our process and fees. You leave with clarity on next steps and no obligation to proceed. The first meeting is about seeing if we are the right fit for each other.

No. We work with professionals, families and business owners at various stages of wealth building. What matters is that you are ready to take your finances seriously and want a long-term partner to help you grow and protect your wealth.

Yes. We start with what you have. We review your existing investments, assess their fit with your goals and risk tolerance, and recommend changes only where needed. Sometimes the best advice is to stay the course with minor adjustments.