Wealth building
Build long-term wealth with strategies for investing, saving and managing your cash flow.
Superannuation
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Financial planning in MELBOURNE
Helping Melbourne's South-East Plan for the Future
Based in Melbourne's south-east, Vukasin and Naomi work closely with professionals, small business owners, pre-retirees and retirees who are seeking practical financial advice tailored to their stage of life. While most of their clients are located throughout Melbourne's south-eastern suburbs, they also assist individuals and families across regional Victoria and interstate. With experience across a wide range of financial planning needs, they take the time to understand each client's circumstances and provide advice designed to support long-term financial confidence and informed decision-making.
What we bring to the table
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Cash flow budgeting
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Debt management
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Personal insurance
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Estate planning
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Why choose us in Melbourne
Life doesn't always go according to plan, and financial advice should adapt to the changes and challenges that come with it. Many clients seek advice during significant life events, planning for retirement, navigating relationship changes, managing an inheritance, or looking for greater confidence in their financial future. Vukasin and Naomi take the time to understand each client's unique circumstances, identify practical solutions, and help turn financial challenges into positive opportunities. Vukasin's personal motto is to turn life's challenges into positive experiences, and this mindset is reflected in the way clients are supported. By finding common ground through shared life experiences, they create an approachable and relatable advice experience. Clients also value their reliability and the confidence that comes from working with advisers who follow through on their commitments.
With experience in the financial services industry since 2010, Vukasin brings extensive knowledge across a broad range of client needs. As a Certified Financial Planner (CFP®) and SMSF Specialist Adviser, he provides tailored financial advice supported by recognised qualifications and years of practical experience. Together, Vukasin and Naomi combine technical expertise with a positive, solutions-focused approach to help clients make informed financial decisions with confidence. Their focus is on building lasting relationships through practical advice, consistent communication, and strategies tailored to each client's goals and circumstances.
Frequently asked questions
I work in Melbourne's healthcare sector - what super strategies are relevant?
Healthcare professionals often have varied income across private practice, public hospital salary, and locum work, and accumulated super across multiple funds. Consolidating super, reviewing insurance held inside super, and planning for both employed and self-employed phases are common starting points.
What retirement planning strategies typically work well in Melbourne?
The key drivers are national (accumulated super, age pension entitlement, lifestyle costs, longevity), but Melbourne-specific factors include healthcare access, public transport that may reduce the need for two cars, and the cost of utilities through cold winters. Conservative income projections that last 25 to 30 years of retirement are the foundation.
I run a small business in Melbourne - how should I think about retirement?
Small business retirement planning often centres on the small business CGT concessions, which can allow the sale of an active business asset to be substantially tax-effective if certain conditions are met. The timing of sale, super contribution caps in the year of sale, and the structure of the business all affect the outcome.
How does succession planning work for Melbourne family businesses?
Family business succession is part legal, part tax, part financial planning, and part family communication. Common questions include how to fairly treat children involved and not involved in the business, how to structure ownership transitions, and how to fund retirement for the exiting generation. We work alongside your solicitor and accountant on structure.
What insurance do Melbourne professionals typically need?
Income protection, life, total and permanent disability (TPD), and trauma cover are the main personal insurance categories. The right combination depends on income, dependants, debt, and existing employer-provided cover. Many professionals have automatic insurance through industry super that may or may not match their actual needs.
Case study 1
Helping a Client Reduce Tax in Retirement
Situation
A client approaching retirement had accumulated a substantial superannuation balance in the accumulation phase. Their primary goal was to reduce the amount of tax they paid and create a more tax-effective retirement income strategy.
What We Did
We took the time to understand the client's retirement goals, income needs, and overall financial position. After reviewing their superannuation arrangements, we recommended transitioning part of their superannuation balance from the accumulation phase into an Account-Based Pension (ABP).
We guided the client through the implementation process and ensured the strategy aligned with their long-term retirement objectives.
Outcome
By moving eligible funds into an Account-Based Pension, the client was able to commence receiving a regular retirement income while benefiting from the more favourable tax treatment available in the pension phase. The strategy helped improve the tax efficiency of their retirement savings and provided greater confidence in their retirement income plan.
Contact us today
Book a consultation
Enquire today to see how we can help.