Managing money can feel overwhelming, especially when you’re juggling a mortgage, kids, career changes, or big decisions about investing and retirement. That’s why we offer clear, personalised financial planning from experienced financial planners in Melbourne, designed to help you build wealth, reduce stress, and move forward with confidence.
Get advice and solutions specific to your needs and goals. Take charge of your financial situation today.
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Financial advice looks different for everyone because your goals, challenges, and priorities are unique. Great financial planning starts with clarity, understanding where you are now, where you want to be, and the practical steps to help you get there.
If you’re looking for structure, support, or a clear long-term strategy, our financial planners help you understand your options and make decisions with confidence. We’ll be sure to support you across every part of your financial life. That includes managing your day-to-day cash flow, reducing debt, growing wealth through investing, optimising your superannuation, protecting your family with the right insurance, and planning for retirement or major life events.
Instead of treating each area separately, we bring everything together into one connected financial plan so every decision supports your bigger goals.
Below, you’ll find an overview of the key areas we can help you with, with links to learn more about each one.
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.
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.
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.
Choosing the right financial planner can make a huge difference to your confidence and long-term financial outcomes. We make financial advice feel simple, supportive, and genuinely useful, and unlike other financial strategists, we don’t offer one-size-fits-all solutions.
What makes us different is our fully integrated model. Our financial planners work hand-in-hand with our mortgage brokers, wealth specialists, and insurance experts, so every part of your plan works together. From cash flow and debt management to investing, superannuation, and home loans, you get connected advice that’s designed to create real progress.
We’re proudly Melbourne-based and support clients Australia-wide, with over 350+ 5-star Google reviews and national award nominations recognising our commitment to great advice and exceptional service. Most importantly, we take the time to understand your goals, explain your options clearly, and give you a financial plan you can actually follow.
If you want a financial planning experience that’s friendly, transparent, and focused on helping you move forward with confidence, you’re in the right place.
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.
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.
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:
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.
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