Melbourne Financial Advisors

As a founding partner of My Wealth Solutions, Guy has a wide range of experience in all facets of finance and is passionate about providing practical advice, guidance and assistance.

Guy has close to 20 years experience in the financial planning industry, across different organisations including Credit Union Australia, and his own financial advisory business My Wealth Solutions.  His experience as an advisor, entrepreneur, and as Managing Director of his financial advice business ensures he is able to deliver highly effective financial planning and support to his clients.

Guy takes a genuine interest in his clients, working one-on-one to bring them financial clarity, direction and organisation. His personal approach to financial planning allows him to identify each person's unique values and lifestyle in order to design the most effective and suitable plan.
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The philosophy of My Wealth Solutions is about putting the best interests of their clients first as they help clients achieve financial security.  They do this by providing achievable financial advice that is tailored to the client's personal financial situation. They focus on listening to the client, and their advice will always have their clients' best interests at heart.  A core practice of My Wealth Solutions is to discard jargon and complexity and ensure that the client always understands clearly what is being discussed and recommended.

Guy believes in training up and coming advisors to help clients tackle challenges with confidence. His unique approach ensures that the clients' unique financial goals, needs and wants are the basis of every financial roadmap created and financial decision made.  My Wealth Solutions takes the time to personally get to know clients' current financial situation, goals and dreams. This knowledge allows them to develop the personalised financial roadmaps they specialise in, and to provide clients with support every step of the way.

Qualifications:

• Diploma of Financial Planning
• Advanced Diploma of Financial Planning
• Bachelor of Bio-Medical Science

 Guy Freeman & My Wealth Solutions has been recognised via the following awards:

• 2024, 2023, 2019 & 2021 GPS Wealth Practice of the Year
• 2019 GPS Wealth Award
• 2018 Most Trusted Advisor
• 2016, 2017 & 2018 GPS Wealth Practice of the Year finalist
• 2018 GPS Wealth Award finalist

Book an appointment with Guy.

Client Testimonials:

- Vicki. S

 

"I've been using My Wealth Solutions for a number of years now and am very satisfied with their services. Guy is professional, knowledgeable and genuinely wants to see his clients succeed. I feel very comfortable knowing my finances are being well managed and with a minimum of involvement from myself. Communication is excellent and all of the staff I've had contact with are top notch."

- Susie. G

Chris Youssef is a Certified Financial Planner (CFP®) with an extensive background in financial services. Starting his career in 2007 at Goldman Sachs JBWere, he later worked at Shadforth before founding Wealth Investors Australia. With a Master of Business Administration (MBA) and a Master of Commerce, Chris is one of the most highly educated advisers in the industry. He was recognised in the Financial Standards Power50 in 2023 for his influence in shaping financial advice.

At Wealth Investors, we specialise in cutting-edge financial planning. Our expertise lies in leveraging the latest technology for real-time cash flow modelling and meticulous tax planning. Through innovative algorithms and advanced software, we sculpt a secure future for our clients with precision and efficiency. Whether you're a professional, business owner, or retiree, our tailored approach ensures that every decision aligns with your unique goals. Let us be your guide as we harness the power of technology to optimise your resources, minimise tax burdens, and provide you with peace of mind and security every step of the way.

Chris specialises in superannuation, retirement strategies, tax planning, portfolio management, and cashflow modelling. He is passionate about building long-term client relationships and helping them achieve their financial goals. Chris' services include:

• Cash Flow Modelling: This is one of the most important services we deliver to clients. Clients find it invaluable to see us create a picture of their financial lives and develop multiple future scenarios to enable sound decision-making. Once you have all of the possible outcomes in front of you, you’re able to make smart decisions.
• Wealth Management: We develop evidence-based investment strategies that are tailored to helping you achieve what’s important to you.
• Tax Minimisation: To paraphrase Benjamin Franklin, taxes are one of the few certainties in life. But, thankfully, there are ways we can help. We think carefully about the tax you may have to pay over your lifetime and optimise strategies to ensure you don’t pay more tax than you have to. It’s simple, but it can save you tens of thousands in the long run.
• Planning for Retirement: Retirement need not be dictated by age. We prefer to think of retirement as having the option to work, which is the essence of financial freedom. Whatever retirement might look like for you, we plan forward to ensure that you achieve the outcomes that you have always wanted.

Outside of work, Chris enjoys family time, traveling, and supporting the Juvenile Diabetes Research Foundation.

Chris' advice philosophy: “An investment in knowledge pays the best interest” Benjamin Franklin.  Our investment approach is grounded in economic theory and backed by decades of empirical research. Rather than attempting to predict the future or outguess others, we draw information about expected returns from the market itself. Our focus is on how we interpret the research, how we design and manage portfolios and how we service our clients. We take a less subjective, more systematic approach to investing. Even though we are across the latest investment trends, we don’t get caught up in these and speculate with your money. We focus on the things we can control and construct portfolios that are evidence based (underpinned by decades of research and data).

Client Review: "I've been a client of Chris' for more years than I remember and he has provided me with sound advice which fortunately I have followed! I have also referred others to him because Chris is a very capable adviser. He is diligent, understanding, professional and a valued adviser. I really can't recommend him highly enough."   - Jenny Stilwell (Author of The 7% Club).

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Cameron is the founding partner of Independent Wealth Partners, a financial planning practice based in Melbourne that provides truly independent advice to its clients. He is a Certified Financial Planner, an accredited SMSF Specialist Advisor™ and a Registered Tax Agent with the Tax Practitioners Board of Australia, whilst he has worked on the Financial Planning Associations CFP Board Committee.

Having won numerous industry awards, he is the "2015 National Investment Adviser of the Year" awarded by the Independent Financial Adviser (IFA) Magazine, whilst also being a finalist in the 2015 SMSF Adviser of the Year. He was nominated again in 2016 as a finalist for SMSF Adviser of the Year as well as Investment Adviser of the Year, whilst again in 2017 for SMSF Adviser of the Year.

Cameron writes and is quoted regularly on Financial Planning issues in the Age, Australian Financial Review and The Australian and has been profiled in BRW Magazine.

Why are we independent?

Unfortunately, for too long the public has not been able to trust the advice of most financial planners. Tainted by commissions and schemes designed to sell the product of their masters has meant that most advice couldn’t be relied upon. When starting our business, we wanted to be different. We wanted our business to reflect who we were. As such, our advice is 100% independent. We receive no ‘kickbacks’ or ‘incentives’ from any product or investment that we recommend to you. None. Never. 0%. Ever, ever, ever. Our work is paid for by the fee you agree to before we start. This allows us to be ruthless about the effectiveness of the strategies, products and services we recommend to you. If we think something is a good idea it’s because we think it is a good idea, not because someone offered us an incentive. To learn more about who we are.

How do we do it?

Cameron and his partners at Independent Wealth Partners work with their clients to help them understand and achieve their dreams, goals and aspirations.

We do this by working together to give advice that empowers our clients to align ‘their money’ with the things that matter to them most, giving them the clarity, control and freedom to live a full life.

For some clients, this might be spending 6 months travelling the world, or maybe a dream of a quiet life in the country, or perhaps being able to get out of the rat race and retire as soon as possible. Our specialty is to help our clients identify what they want to do, provide independent advice tailored to this and then chart a course to ensure it's achieved.

We’re working for you. Full stop.

Testimonials

“Independent Wealth Partners and in particular Cameron Howlett have recently steered me back on track with my finances after I had received some extremely poor financial advice from my previous financial adviser, who I had been seeing for some years. I am forever grateful to Cameron for his honesty, competence and professionalism as a financial adviser, he has filled me with the confidence that I am now finally on the right path to achieving the goals I had originally set out a few years ago.” Sarah Fitzgerald

“Cameron is so diligent with his follow up and level of knowledge he shares with us. He works hard to understand our future goals and work within our current situation, to provide us the best possible outcomes. He has been integral to sorting our finances and helping create some security to our family and the future.” John and Helen Fitzgibbon

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Michael is a founding partner at Flinders Wealth, a Financial Planning practice located in Melbourne and Mornington.  For over a decade Michael has helped aspirational and financially successful clients make smart choices with their money, get their financial house in order and increase their wealth.

Michael will put together a tailored Financial Roadmap based on your personal situation – a step-by-step list of actions items that will give you confidence you are making smart financial decisions.  Having one person leading a team that coordinates, consolidates and implements a game plan for your finances makes your life simpler and allows you to focus your time on things that are more important to you.

Michael is a CERTIFIED FINANCIAL PLANNER® and holds a Bachelor of Business & Commerce and Graduate Diploma of Applied Finance.  He is a member of the Financial Planning Association of Australia, assists in the delivery of the Masters level CFP® Program and is a CFP® subject assessor.

As a leading industry voice Michael has been featured in media outlets such as: The Age, Sydney Morning Herald, Professional Planner, Vice Magazine and RMIT Radio.

Michael is a specialist in the following areas:

• Retirement Planning, Superannuation Strategies & Self-Managed Super Funds
• Investment Management
• Inheritance Planning
• Taxation Strategies and Estate Planning
• Life Insurance and Income Protection

Client Testimonial
“I have the utmost regard for his professional services and the very thorough process put in place to ensure that he fully understands a client’s current financial position, future wealth aspirations and risk profile. His advice following this assessment is not only comprehensive, but, is also presented to the client in an informative document for due consideration.  Michael has always provided me with sound and sincere financial advice and I value highly his judgement in these matters. His veracity and integrity is without question and I would not hesitate, if asked, to recommend his services to others.” Robert Redman, Melbourne VICTORIA

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Thabojan Rasiah is a highly-rated financial adviser. Having entered the financial advice profession 18 years ago, he has been recognised as being one of the Top 50 Advisers in Australia by Wealth Professional in 2012 and by the Australian Financial Review's 2011 Smart Investor Masterclass. Most recently, in 2017 and 2023 he was recognised as one of the 50 Most Influential Financial Advisers in Australia by Financial Standard.

He appears on 3AW and ABC talk-back radio as a finance expert, writes a column in The Age/Sydney Morning Herald as well having written a monthly finance column for the national senior's newspaper, Fifty-Plus News.

Thabojan is a Certified Financial Planner (CFP®), the internationally recognised and pre-eminent representation of professional Financial Planners around the world. He continues to serve on various committees at the Financial Planning Association of Australia (FPA) with a particular passion for raising the professionalism and education standards in financial advice. He is also a Fellow of the Financial Services Institute of Australasia (FINSIA).

Prior to founding Rasiah Private Wealth Management, Thabojan worked with a number of boutique financial planning businesses as well as the most highly regarded large financial advice practice in the country for many years. He has, therefore, enjoyed the experience of helping clientele from varied backgrounds from young wealth accumulators through to high-net-worth clients. In particular, Thabojan has developed specialist knowledge in providing advice to Medical Practitioners and Women in Transition.

Client Endorsement
“We are secure in the knowledge that thanks to Thabojan the management of our finances is in safe hands. Thabojan finds the most effective balance of investments, which enables us to meet our financial goals. Thabojan and his team are easily contactable and we can always obtain advice and information promptly. The assistance and advice is always consistent, whoever we are dealing with.” Mark Powell and Penny Scott Alphington, Melbourne 

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Paul Kearney is the founder and CEO of the award-winning Kearney Group, which has been providing holistic financial services since 1986.  Paul holds a Bachelor of Commerce from the University of Melbourne, and is both a Certified Financial Planner (CFP®) and Certified Practicing Accountant (CPA).

Under his leadership, the Kearney Group has been widely recognised for its commitment to professional excellence, client service and innovation in business. Most notable are the firm’s National Practice of the Year titles in 2014 and 2011, and its Victorian awards in 2008, 2010, 2012 and 2015. Paul was named Adviser of the Year in 2010 and the Financial Planning Association’s Best Practice Awards runner-up in 2013.

Paul currently sits on Securitor Financial Group’s National Advisory Committee.

He is a Director of renowned social enterprises, The Big Issue and Homes for Homes. Paul also extends pro-bono services to the non-profit women’s health organisation Ovarian Cancer Australia.

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Financial planning has been a big part of Rebecca’s life for nearly a decade. After personally experiencing the ground-breaking impact of financial advice in her early 20s, Rebecca transitioned from her career in corporate finance into the financial planning world, and she’s never looked back.

A curious and thoughtful nature, alongside an excellent ability to help clients articulate and achieve their goals, is what underpins Rebecca’s success.

Rising Tide is a Multi-Award winning team that have been servicing the financial needs of clients across Australia since 2005. We pride ourselves on helping our clients achieve the freedom to say 'Yes', and are experts in the areas of financial planning, investment advice, life insurance, tax-minimization and mortgage broking.

We specialise in working with professionals, and young families planning for future education, working hard to clear their debts, upsizing their homes & travel. 

Alongside one to one client-facing activities, Rebecca has a wealth of experience in educating Australians about their money via her media engagements.

Rebecca’s role at Rising Tide is primarily as a client-facing adviser, but also has a significant impact on the strategic advice formulation for all clients of the business in these areas;

• Financial Planning
• Superannuation
• Insurance & Wealth Protection
• Salary Sacrificing
• Investment Planning & Advice
• Home Loans
• Tax Minimisation
• Borrowing to Invest
• Asset Protection

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Chris is a Director & Private Client Adviser at Hewison Private Wealth. With over 20 years at the firm, Chris has the experience and dedication to help you secure your financial future.

Chris is a strategic financial planning expert who possesses a strong background in superannuation and SMSF strategies as well as investment markets, financial management and estate planning.

Apart from his client advisory and management role, Chris is responsible for the company’s continuing professional development program and is a member of the Company’s Board of Management.

Chris has a Bachelor of Business degree and a Diploma of Financial Planning. He has also been awarded the Certified Practicing Accountant (Financial Planning Specialist) and the internationally recognised CERTIFIED FINANCIAL PLANNER® designation having completed the respective study programs.

Chris is a highly awarded individual within one of Melbourne’s best financial advice firms:

• 'Editor’s Choice Award':  SMF Accounting & Adviser Awards 2017
• SMSF Adviser of the Year (finalist): iFA Excellence Awards 2017 & 2018
• SMSF Adviser of the Year (winner): iFA Excellence Awards: 2015 and 2016.
• Top 10 advisers in Australia listed by Australian Financial Review Smart Investors Master class 2012 and named in the top 50 honour roll in 2010, 2011 and 2013.
• Top 20 in the Wealth Professional Magazines chart of the Top 50 Financial Advisers in Australia for 2012.

Chris is regularly quoted as a financial planning expert in the Australian Financial Review. Hewison Private Wealth and Chris regularly host investor insight seminars – contact Hewison Private Wealth for details.
Client Testimonials
"Our relationship with Chris has been a successful one, both financially and in the peace of mind he provides. We have every confidence in Hewison Private Wealth and have recommended the firm to friends and family members, and many of them are now HPW clients. We have not had one bad report. We are happy to recommend Hewison Private Wealth to any prospective client and we are confident that they can meet your needs."
Kevin S & Chris H, Melbourne

"I have been a client of Hewison Private Wealth since 1998 and have been completely satisfied with their advice, guidance and personal service. I have achieved consistent returns over this entire time and have been able to retire on a very generous pension."
Peter C, Melbourne

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Wade Ritchie is a private client adviser with Shadforth. He has been providing financial planning advice since 2002 and moved to Melbourne in 2005 from Mackay, Queensland. Wade is a CERTIFIED FINANCIAL PLANNER® practitioner which is the highest qualification in the financial planning profession. He also holds the LRS® Life Risk Specialist designation, a Master of Personal Financial Planning, a Diploma of Financial Planning and, a Bachelor of Engineering (Mechanical) with first-class honours.

Wade has been named the top-ranked adviser in Australia for 2012 in the prestigious AFR Smart Investor Top 50 Masterclass for Financial Planning. Wade was also named in the AFR Smart Investor Masterclass for Financial Planning in 2008 and 2010. His other achievements include a university medal for academic results in his Bachelor of Engineering and becoming a justice of the peace.

Wade experiences great personal satisfaction from assisting clients to achieve what is important to them through the implementation of quality advice and the clear and precise communication of complicated topics.

He specialises in the development of strategic comprehensive advice to executives and professionals in the areas of superannuation, taxation, wealth management, insurance, executive remuneration and retirement planning.

Client Endorsements
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“Wade’s expertise and knowledge of financial markets is first class which makes us very comfortable with his recommendations to help us realise our financial objectives.” Iljac and Joan Aljitovic, Altona Victoria 

“Wade Ritchie helps us realise our financial objectives by giving us precise advice at our regular meetings. He is always there to explain situations that may arise from time to time regarding our finances. We have extreme confidence in his assessments.” Barry and Maureen Lake, Donvale Victoria “

Wade has worked closely with us over the last few years to ensure we are on track to being financially secure in our retirement. Being in our mid-30s, we can rest easy knowing we have a retirement plan and all the insurances in place to protect our young family.” Kristine Galea, Hillside Victoria

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Mark is recognised as a Certified Financial Planner. He has completed a Bachelor of Applied Mathematics and in addition to completing a Diploma of Financial Planning. He has worked in the finance industry for almost three decades and during that time has encountered a variety of issues. This provides Mark with a wealth of experience from which he can draw upon to help clients achieve their financial goals

Mark’s areas of interest and expertise include Centrelink and Estate Planning. “I started my working life as a computer programmer,” says Mark. “I needed a change though and financial planning provided me with the opportunity to work in a more meaningful way to help people achieve their goals.

Helping retirees make the most of their superannuation and Centrelink entitlements is important to me. I get a great deal of satisfaction from helping them understand and make the most of their options.

When Mark is not helping his clients, you might find him on the tennis court, reading a good book or pursuing his interest in stamp collecting.

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Paul is a principal of Moran Partners Financial Planning with extensive industry experience. He has been a Lecturer in financial planning with FINSIA, Kaplan, Victoria University and Australian Catholic University for over 20 years. He has been awarded two professional designations – Certified Financial Planner and SMSF Specialist Adviser.

He holds a Bachelor of Applied Science (RMIT), Associate Diploma of Health Science (AOTC), Diploma of Financial Planning (Deakin University) and Master of Business Administration (Deakin University). Paul also holds a Master of Taxation and Financial Planning (University of New South Wales) and a Doctorate of Business Administration (Victoria University), where his thesis was focused on behavioural financial decision-making.

Paul is currently a member of the Academic Advisory Committee of the International Financial Planning Standards Board.

“He was awarded both the Victorian and Australian ‘Independent Financial Adviser Magazine’ Financial Planner of the Year for 2004, is a Securities Institute Practitioner Award Winner, and a member of the AFR Smart Investor Top 50 Financial Planning Master-Class for 2004, 2005, 2006 and 2012”

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Jeff is an Executive Director and Principal Adviser of APW Partners and enjoys working with clients to help them manage and simplify their financial complexities.

Jeff holds academic qualifications in economics, accounting, tax law, superannuation and financial planning.  He was recognised as one of the top 50 financial advisers in Australia by the prestigious AFR Master class for five consecutive years from 2002 – 2006 and is an accredited SMSF Specialist Adviser (SSA).

With a passion and fascination for the interplay of financial markets and government tax  and retirement policies, Jeff has also written extensively for print media on financial matters and is an avid reader.

Jeff’s knowledge and expertise has been acquired over many years. His experience is particularly relevant to affluent families and individuals who seek comprehensive and structured wealth management advice that integrates with their lifestyle goals and objectives.

Jeff attained CFP status in 2000 and has been a member of CPA Australia and the Taxation Institute for over 25 years.

Jeff is married to Ann with two adult children. Jeff enjoys snow skiing in winter and maintaining fitness throughout the year.

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After a decade of working at institutions like Macquarie Private Bank & 125 year old stockbroker Wilson HTM, witnessing first-hand how endless layers of fees, unnecessary complexity, biased advice and rife conflicts of interest eroded any benefits for clients, Andy Darroch started Advise Me Today (now Independent Wealth Advice). His ambition is to deliver honest advice, which places clients first, not advisers, not bonuses, not banks.

Matthew Jacobson is a seasoned financial adviser with over a decade of experience in the financial services industry. Starting his career in asset finance, Matthew has honed a deep understanding of strategic financial planning, placing strong emphasis on technical knowledge and practical, tailored advice. Matthew is a Senior Financial Adviser at ActOn Wealth, a boutique financial planning firm known for its commitment to empowering clients to take control of their financial futures.

ActOn Wealth is built on values of trust, integrity, and transparency, providing personalised and holistic financial advice. The firm’s mission aligns with Matthew’s own professional philosophy, ensuring clients receive not only technical expertise but also compassionate, client-first financial guidance. At the core of Matthew’s practice is a passion for empowering his clients to make informed financial decisions. He blends technical expertise with a personalised approach, ensuring that each client’s financial plan is tailored to their unique circumstances, whether it’s building wealth, securing a comfortable retirement, or navigating complex financial situations.

Matthew was a 2022 finalist in the IFA Excellence awards for Client Outcome of the Year.

His approach to financial planning is holistic, addressing clients' immediate needs while building a clear roadmap for their long-term financial goals.

Matthew offers a full suite of services, including:

• Wealth accumulation strategies
• Retirement planning
• Superannuation management
• Aged care financial advice
• Investment planning
• Personal insurance (life, TPD, trauma, and income protection)
• Estate planning
• Cash flow and debt management

Matthew's Qualifications

• Bachelor of Commerce
• Masters in Financial Planning
• Diploma in Finance and Mortgage Broking
• Accredited Aged Care Professional

Client Testimonial

"It is now over two years since we first met and started with Matthew and the team at Act On Wealth and find that they continue to strive for our best interests and meet our needs and demands. They are friendly and very responsive, answering queries in an excellent amount of time. Following our last meeting they had already negotiated a better interest rate by the following day. Can not recommend them enough for your financial advice and needs. Looking forward to further years of working together."  Larry