360 Financial Strategists helps individuals, families and business owners make clearer decisions about super, investments, retirement, insurance, cash flow and debt. Our Melbourne-based financial advisors bring each part of your finances together into a strategy built around where you are now and where you want to go.
Get a no-obligation, initial conversation with our expert team to kick-start your financial freedom journey.
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430+ 5-Star Reviews — Trusted by hundreds of clients.
Connected Financial Advice — Your finances considered as one strategy.
Award-Recognised Advisers — Industry-recognised financial advice.
Melbourne-Based Team — Local advisers with Australia-wide capability.
Free Clarity Call — Start with a no-obligation conversation.
One Financial Strategy — Bring super, investments, debt and protection together.
Clear Financial Strategies — Understand your options and next steps.
Good financial advice should do more than solve one problem at a time. At 360 Financial Strategists, we look at how your super, investments, debt, insurance, cash flow and long-term goals fit together, so each decision supports the bigger picture.
Whether you are building wealth, preparing for retirement or simply want more clarity around your finances, our advisers can help you build a strategy that reflects your priorities now and into the future.
You’ve worked hard to build your career, your assets, and the lifestyle you enjoy. But what would happen if something unexpected affected your ability to earn or provide for your family? Insurance is designed to protect your financial stability when life takes an unexpected turn. It ensures your family can continue paying the mortgage, covering bills, and maintaining their quality of life, even if your circumstances change.
Smart investing starts with understanding your goals and building a strategy that supports them. We focus on creating structure so your money works efficiently across every area of your financial life.
Superannuation plays a different role at every stage of life, and your strategy should evolve with it. Our superannuation planner is designed for Australians who want clarity, confidence, and a plan that actually supports their long-term lifestyle goals.
Running a business gives you freedom, but it can make finances more complex.
360 Financial Strategists helps small business owners connect cash flow, tax, lending, super, insurance and personal goals into one clear strategy.
Big financial decisions often start earlier than people expect. You may be trying to save well, sort out your super, plan for a home, or make sense of what to focus on first.
At 360 Financial Strategists, our financial advisors for young adults provide clear advice to help you feel more confident about your next move. Based in Melbourne but working with clients across Australia, our team helps you understand your options, set priorities, and build a stronger financial plan for the years ahead.
Medical professionals often face financial decisions that overlap across income, property, debt, super, insurance, and long-term wealth. As your career grows, those decisions can become harder to manage in isolation.
At 360 Financial Strategists, we help medical professionals bring those moving parts together. Our team offers connected support across financial advice, mortgage broking, wealth creation, and business advice, so you can make clearer decisions with a plan that fits both your career and your life.
Retirement can bring more freedom, but it also comes with important financial decisions. Working with a financial advisor for retirees can help you make better use of your super, investments, and income with more clarity and confidence.
At 360 Financial Strategists, we provide financial planning for retirees across Camberwell, Melbourne and wider Australia, with advice built around your goals and the bigger picture.
Doctors often face financial decisions that do not fit a standard plan. A clear strategy can help you manage income, debt, lending, super, insurance, and long-term wealth with more confidence.
At 360 Financial Strategists, our financial advisors for doctors help you make smarter financial decisions through connected advice that looks at the full picture. Based in Camberwell and working with clients across Melbourne and beyond, we provide practical support that fits your goals, career stage, and next steps.
Financial advice should reflect more than just numbers. The right strategy depends on your goals, your stage of life, and the financial decisions in front of you.
At 360 Financial Strategists, we provide tailored financial advice for clients from a range of industries. Our advice is designed to help you make clearer decisions with a strategy that fits your circumstances and supports the bigger picture.
Some of the industries we service are:
Don’t see your industry here? Our team has experience working with a wide range of clients. Reach out today for a free clarity call to see how we can support you.
You do not need to wait for a major financial problem before speaking with an advisor. Financial advice can be valuable whenever you are making decisions that could affect your longer-term financial position.
You’re Earning More
Make clearer decisions about where additional income should go.
You’re Building Wealth
Work out how saving, investing, super and debt repayment may fit together.
Retirement Is Getting Closer
Understand what you may need and how your current finances could support your retirement plans.
Your Life Has Changed
Review your strategy after changes to your family, career, income or financial priorities.
You’ve Received an Inheritance
Consider how inherited money could fit into your wider financial strategy.
You Run a Business
Connect your personal financial goals with the decisions you make as a business owner.
You’re curious if you could be doing better — There’s nothing wrong with a check-in every once in a while!
Choosing a financial advisor is about more than finding someone who can recommend a strategy. You need to understand the advice, feel confident in the decisions you are making and know what happens after the plan is presented.
Advice That Starts With Your Priorities: Your strategy begins with understanding your current financial position, what matters to you and what you want your money to help you achieve. The advice can then focus on the areas that are most relevant to your circumstances.
Clear Recommendations You Can Understand: Financial advice should give you greater clarity, not leave you with more questions. Your advisor will explain the recommendations, how they relate to your goals and what is involved before you decide how to proceed.
Support Putting Your Strategy Into Action: A financial plan is only useful if it can be implemented. Where you choose to proceed, the 360 team can support you with the agreed next steps and, where appropriate, review your strategy as your circumstances change.
Financial planning is the process of mapping out your financial future. It involves taking a holistic view of your current financial situation, taking into account your income, expenses, savings, debts, and investments.
Based on this assessment, you set specific financial goals and then create a roadmap to achieve them. This roadmap typically involves strategies for cash flow, saving, investing, managing debt, and protecting yourself financially through insurance.
You can create a financial plan by yourself or ask for help from a financial planner or financial advisor if it’s about a specific money-related aspect.
The cost of financial advice depends on the areas you need help with, the scope of advice and the complexity of your circumstances. Before you proceed, 360 will explain the services being provided and the fees that apply so you can make an informed decision.
We also offer a free clarity call where we can discuss this too.
A Clarity Call is an initial conversation about what you want help with, your current financial priorities and whether 360 may be the right fit. There is no obligation to proceed with financial advice after the call.
A typical financial plan includes
Your financial plan may include terms such as annuity, bear market, or market volatility. Your financial advisor or planner can discuss these terms further if you have any questions. Your understanding is crucial in creating the best financial plan for you.
Yes. Where these areas fall within the agreed scope of advice, your financial advisor can review your existing arrangements and consider how they fit with your goals and wider financial position.
Cash flow is the foundation of your financial plan. It involves tracking your income and expenses to understand where your money goes. By creating a budget, you can allocate your income towards essential expenses, savings, debt repayment, and discretionary spending.
Once you have determined your budget, you then plan for these five main areas:
Protection
This focuses on safeguarding your financial well-being from unexpected events. This involves strategies like having adequate insurance coverage (health, life, disability) to protect against medical emergencies, death, or disability. It might also involve creating an emergency fund to cover unforeseen expenses and prevent you from relying on debt in difficult situations.
A financial advisor specialising in insurance policies can help ensure you have enough coverage.
Estate planning
This area ensures your assets are distributed according to your wishes after your passing. It involves creating legal documents like a will, naming beneficiaries, and potentially establishing trusts. Estate planning also helps minimise legal and tax complications for your loved ones and ensures your assets are distributed as intended.
If you are doing estate planning by yourself, you can benefit from the combined expertise of lawyers and financial advisors.
Retirement planning
This area focuses on accumulating sufficient funds to maintain your desired lifestyle after retirement. It involves factors like estimating your retirement expenses, calculating your retirement savings needs, and choosing appropriate retirement accounts.
Investment planning
This involves growing your wealth over time to achieve your financial goals. It could be allocating funds to various assets like stocks, bonds, or ETF’s . Understanding your risk tolerance is crucial to choosing investments that align with your comfort level and financial goals.
Tax planning
Financial planning also involves focusing on minimising your tax burden legally. With the help of a tax professional, you create strategies like maximising deductions and credits, contributing to tax-advantaged accounts, and choosing tax-efficient investments.
Achieving financial goals
A clear and well-defined plan increases the likelihood of achieving your financial aspirations. Whether it’s saving for a vacation, setting up your children financially, buying a home, or securing a comfortable retirement, a financial plan shows you how to get there.
Informed decision-making
Financial planning helps you to understand your current financial situation and future goals. This knowledge allows you to make informed decisions about your spending, saving, and investing habits. You can confidently allocate resources towards various needs and opportunities, ensuring your finances are aligned with your long-term vision.
Reduced financial stress
Money is often a significant source of stress in people’s lives. Having a financial plan in place can significantly reduce this anxiety by providing a sense of control and clarity. Knowing you have a strategy for managing your finances and building a secure future can alleviate worry and allow you to focus on other aspects of your life.
Increased financial security
Financial planning helps you prepare for unexpected events that can disrupt your financial well-being. This could involve building an emergency fund to cover unexpected expenses, having adequate insurance to mitigate the impact of unforeseen circumstances, and managing debt effectively. These proactive measures help you deal with challenges more confidently and avoid financial setbacks.
Building wealth
Financial planning also involves strategies for growing your wealth over time. By investing your money wisely, you can leverage the power of compound interest and accumulate funds to achieve your long-term goals, such as a comfortable retirement or achieving financial independence.
Peace of mind
Ultimately, financial planning allows you to take charge of your financial future. Knowing you have a plan in place and are proactively working towards your goals can provide peace of mind and empowerment. This allows you to focus on your present with reduced worry about the future, allowing you to live a more fulfilling life.
Creating a financial plan starts with assessing your current financial situation. Begin by tracking your income and expenses for a few months to understand your financial habits. Then list your savings, investments, property, and any outstanding debts.
Next is to define your short-term, mid-term, and long-term financial goals. Then, develop an action plan to achieve those goals. This could include cash flow, investing, debt management and getting an insurance policy.
Lastly, review and adjust accordingly. Put your plan into action and consistently monitor your progress. Regularly track your expenses, adjust your budget as needed, and re-evaluate your goals periodically as your circumstances change.
While creating a financial plan can be done independently, having a financial planner can be the best option because:
Absolutely. While 360 is based in Melbourne, the team can also support clients through remote appointments where appropriate, giving clients outside Melbourne access to the same financial planning support.
Great service and support. Mish and his team were fantastic to deal with and provided support along the whole process, even calling after hours or weekends when availability suited. I highly would recommend his financial services and loan support to friends and family.
Mish made the home-buying process significantly more manageable. He consistently demonstrated professionalism, friendliness, prompt responsiveness, and a willingness to accommodate our needs.
I highly recommend Mish for his strong commitment, knowledge and exceptional service.
We recently purchased a commercial property, and while there were a few challenges along the way, Mish and Billy were a fantastic team, working seamlessly together as my mortgage broker and financial planner. Their expertise, patience, and proactive communication made a complex process much easier, and they helped me achieve the outcome I was aiming for. I can’t recommend Mish and Billy highly enough for anyone looking for dedicated, professional support in property finance and planning.
My partner and I cannot recommend Mish and the team at 360 Financial Strategies highly enough! They were an absolute pleasure to work with from our very first conversation right up to the day we received the keys to our new home.
We knew very little about the mortgage process going in, but thankfully Mish made it feel easy. Him and the team were professional, friendly and incredibly knowledgeable, answering all of our questions and supporting us throughout the entire journey. Going above and beyond by even introducing us to Conveyancers etc.
If you’re looking for a mortgage broker who genuinely cares and will go above and beyond to help you – I cannot recommend Mish and 360 Financial Strategists highly enough! Big thank you for helping get us into our first home!
A huge shoutout to Mish, Gee, and Nicole, what an incredible team! As a first home buyer, the whole process felt really daunting and overwhelming at first, but working with Mish and the team completely changed that. They were an absolute pleasure to deal with from start to finish. They explained everything so clearly and patiently, and were always there to check in and answer the million questions I had along the way. Their communication was fantastic, and they made sure I felt supported and confident at every step. They truly went above and beyond to ensure everything went smoothly, and I couldn’t be more grateful for their help. I honestly cannot recommend them enough!
Working with Daniel Mashta was a total game changer. After dealing with mediocre mortgage brokers, Daniel’s level of service was a breath of fresh air. He was incredibly reliable and consistently over delivered at every stage of the process. His communication was flawless, we were never left wondering where things stood. Most importantly, the results were amazing and exceeded our expectations. If you want a stress free loan process, Daniel is the person to call. Thank you so much!
Mish and the team allowed me to have an incredibly positive experience throughout the purchase of my property. They were incredibly helpful all the way through and managed to meet some very tight timeframes without any issues. All of my queries and concerns were answered promptly, and they were always available, which made a tricky process so much easier. They also referred me to a conveyancer who was equally helpful and efficient. I wouldn’t hesitate to recommend them to anyone looking for reliable and responsive financial and mortgage advice.
Mish has been absolutely awesome to work with. From our very first meeting, he made us feel comfortable and confident about our financial situation. He genuinely cared about us and our goals, and it was clear from day one that he truly wanted the best outcome for us.
He took the time to explain everything clearly, put things into perspective, and helped us see what was possible. Thanks to his guidance and support, we were able to secure a loan for our first home.
Mish’s caring and down-to-earth approach made the whole process so much easier. He believed in us and that made a huge difference. He’s also been incredibly responsive and easy to communicate with, always happy to help and quick to reply to any questions.
We can’t thank him enough for all he’s done for us, and we’d highly recommend Mish to anyone looking for a financial adviser who genuinely cares and goes above and beyond.
Mish and his whole team have been fantastic! Communication is above and beyond and so knowledgeable! The dedication Mish, Cira and the whole teamed showed was absolutely fantastic! They made the process so much easier and everything was handled smoothly, promptly and professionally. We can’t recommend them enough! We were blown away by Mish’s knowledge and the communication was absolutely fantastic and above and beyond which was great as first time buyers!
Mish is extremely knowledgeable in his field.
As a first home buyer this made me feel at ease and confident that I was in the right hands.
He made sure our experience was stress free and everything was managed in a timely manner.
Communication was outstanding, the entire process was flawless!
I would highly recommended his services and would happily return as a client.
Thanks for your dedication to getting us into our first home Mish.
Let's talk! A free clarity call with one of our experts can be the first step in taking charge of your financial situation. Mortgage Broking, Financial Planning, Wealth Creation and Business advice - we've got you covered.
At 360 Financial Strategists, we’ve designed a range of entry-level options so you can take your first step toward financial clarity at your own pace.
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