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Appointments Australia Wide
1300 823 011

Financial Planner Melbourne CBD

Get a tailored financial plan and start working towards financial freedom today

Create the future you want

You work hard to earn your money, and financial planning makes your money work hard for you. Whether you’re ready to build wealth, plan for retirement, or adapt to a life change we can help you make smart decisions that grow your personal wealth for years to come.

Believe it or not, there are plenty of people out there on six figures who don’t have any savings, which just goes to show money isn’t the only thing you need to be wealthy. At Beyond we keep things simple, providing time-proven advice and innovative strategies that help turn your surplus cash into financial security.

It can be easy to let things roll along. When you’re comfortable with the amount of money you have and can easily pay the bills it can feel like there’s no need to do anything more with your money, but no matter how stable you feel there are always ways to improve your financial situation and create a more prosperous future.

At Beyond Accountantcy we aim to be more than the person you see once a year to file your taxes, we want to work with you on an ongoing basis to help you achieve your personal financial goals. We’ll guide you every step of the way, from setting your goals to collaborating on a dynamic and innovative plan for success and helping you see it through.

Practical guidance and real results

At Beyond Accountancy we believe financial advice goes far beyond simply making a plan.

We don’t just create a custom financial plan, we put that plan into action. Got a 10 year plan? We’ll make it happen. Got a financial goal you’d like to reach before retirement? Sorted. Tell us where you want to be and we’ll take you there.

Make smart decisions with your money

Your money can do so much more when it’s invested in the right places.

We’ll show you exactly where to invest your money to achieve your financial goals. We’ll share our expert insights into tax, shares and property to get your investment portfolio looking healthy and create comfortable financial buffers to future proof your savings.

Get tailored, personal advice

We genuinely get to know you and create a custom strategy that achieves your specific financial goals.

We don’t do blind off-the-shelf financial plans. Every individual is, well, an individual, so we tailor our financial plans to your exact needs, taking the time to connect with you as a person before crafting a specific, personal plan.

How can we help you?

We offer a comprehensive range of financial planning services designed to help you prosper. We’ll work with you to decide what combination of services will best serve you and help you achieve financial freedom, sooner. Think of us as your personal financial project manager, keeping all your financial balls in the air and bringing your financial plan to life.

Wealth creation and management

The principle of wealth creation is simple — minimising debt and investing your surplus money into assets like property and shares. Simple, sure, but not always easy. From tax considerations to the vagaries of the stock market, investing your hard earned cash is something that needs a professional hand on the rudder.

  • Put your surplus money to work
  • Minimise debt and make smart investments
  • Get a tailored wealth creation strategy

As part of our wealth creation services we look to reduce your debt and create better cash flow for your household. This could include consolidating debts or minimising interest on your loans and credit cards.

We’ll look at augmenting your superannuation and minimising tax payments through voluntary contributions. We also offer specialist SMSF services including setting up and managing your fund and providing tailored advice on maximising your super.

Tax may be a dirty word to lots of people but we love it! And one of the main things we love about it is finding ways to make tax work for our clients. We’ll help implement advanced tax strategies that maximise your savings and ensure none of your hard earned cash is being unnecessarily lost to tax.

Another major factor of wealth creation is putting together a strong investment portfolio. We’ll help you invest your excess wealth into safe, profitable avenues including shares and property investment.

Preparing for your dream retirement

Whether you’re gunning for an early retirement or want to ensure you’ve got enough money to fund your dream retirement lifestyle, we can help you reach your retirement goals. It doesn’t matter if you’re decades from retirement or ready to start planning your retirement in earnest, we can put in place a financial strategy that gives you the financial freedom to enjoy your retirement the way you want to.

  • Retire exactly when you want to
  • Achieve the retirement lifestyle you want
  • Maximise your superannuation

It probably won’t surprise you to hear that it’s never too early to start planning for retirement. At the moment you might be settled into your career, have a mortgage and a couple of kids and you’ve got a bit of cash left over for discretionary purchases. This is the perfect time to start thinking about retirement. By minimising debt and adding to your super, along with a range of other strategies, you can start to get your ducks in a row for retirement.

If you’re getting close to retirement our financial planning will focus on ways to maximise your superannuation and provide good cash flow for your retirement, along with tax and debt reduction strategies. We also help you make provisions for larger purchases and unexpected expenses, working a comfortable buffer into your retirement finances.

With no way of really knowing how long your retirement will last it’s crucial to have a plan in place that maximises your cash, prepares you for unexpected expenses and allows you to live the lifestyle you want. We’ll work with you to make your retirement as carefree and relaxing as you want it to be.

Preparing for planned and unexpected life events

Some of the biggest moments in our lives like weddings, buying property and retirement are also some of the biggest financial drains. Meanwhile unplanned life events like losing a job, natural disasters, family deaths and funerals also bring associated financial difficulties. Although we may prefer not to think about these things, having a financial plan in place with provisions for those big life events will help take the monetary sting out of the bad times and enhance enjoyment of the good times.

  • Plan for happy life events like family weddings and retirement
  • Keep a financial buffer against hard times
  • Put in place strategies to protect your cash flow

Things may be great right now, but what’s your backup plan if something unexpected happens? Maybe you’ll lose your job or experience an unforeseen hardship. The last thing you want when times are tough is financial stress, yet this is often the case for people who don’t factor a savings buffer into their financial plan. We’ll help you set and achieve a realistic savings goal to avoid financial hardship during difficult times in your life.

If you’ve got kids you’re probably looking forward to all those big life moments like sending them off to uni or planning their weddings. If you want to help them out financially it’s worthwhile making provisions for that now, creating a savings pot that won’t interrupt your cash flow when the time comes.

It can be tempting to spend your surplus money on enjoying life right now — and don’t get us wrong, we’re all for living in the moment! — but putting aside a set amount for those big life events is an easy way to get peace of mind and make sure that when those celebrations happen you’ve got a safety net to keep you comfortable.

From life insurance to savings and everything in between, we can help you prepare for all life throws at you. Whatever events you’re planning for whether it’s buying your first house, paying for a dream wedding or funding your retirement we can help you mark all those big occasions with financial freedom.

Making strategic investments to grow your wealth

Once you’re at a stage in your life where you have a decent amount of money left over after covering your weekly and monthly expenses it’s time to start making strategic investments that grow your wealth. Cash in the bank isn’t doing much for you, but expertly invested funds can grow your wealth exponentially.

  • Ongoing investment management
  • Expert advice on where to invest
  • Property investment advice

We’re not just your financial planners, we’re your financial doers. Once we’ve made a strategic investment plan we get straight to work putting it in place.

One of our specialties is property investment. Whether you’re upsizing, downsizing or investing in property we’ll help you navigate all the pitfalls and take advantage of all the opportunities available to you. We’ll provide advice on everything from getting the right loan to navigating all the tax benefits and obligations for you. From early tax refunds to managing capital gains tax and utilising negative gearing we’ll ensure you’re getting the most out of your property.

If you’re buying a family home, upgrading to a larger property or downsizing to a townhouse once the kids have moved out there are unique considerations to take into account. We’ll help you plan for those added expenses like repairs and maintenance. We can also advise you on what shares and resources to invest in, including Self Managed Super Fund investments.

Find out exactly where to invest to secure your financial future with our strategic investment experts.

Self managed super funds

There are so many benefits and uses for superannuation outside of funding your retirement. Your super fund can come in handy in a multitude of ways before it’s time to hang up your hat, from borrowing and tax benefits to pension strategies. Take it from us, your super can be so much more than just an idle pot of money.

  • Get up-to-the-minute super advice
  • Take advantage of low tax rates
  • Improve your super balance by thousands

Australians are increasingly opting for Self Managed Super Funds thanks to the freedom they offer to choose assets and invest directly. With lower fees and operational costs than retail and industry super funds and higher potential for personalisation and greater control over tax, SMSFs are a great choice for savvy investors who want to get the most out of their super.

Self Managed Super Funds can be complex and we offer a range of services to gain you thousands of dollars over the life cycle of your fund, including establishing your SMSF, preparing annual financial accounts, ATO annual tax and regulatory returns, tax benefit advice, pension strategy advice, compliance assistance, pension set up and commutation and limited recourse borrowing in super.

The difference between a well advised and poorly advised SMSF can be thousands of dollars over the life of the fund, and at Beyond Accountancy we provide proactive, innovative advice that’ll get the most out of your super. If you’ve ever thought about starting a SMSF but weren’t sure where to start, we can help you make it happen.

Frequently asked questions

Why should I use a financial planner?

A financial planner can help you set and reach your financial goals much faster and often more efficiently and securely than you could on your own. They can help you feel confident in your future and protect yourself from unforeseen hardships.

People often seek financial advice during times of change, for instance buying a first house, starting a family, losing a job, gaining an inheritance or getting ready to retire. Whatever reason you seek assistance a financial planner can help you maximise your money and investments and ensure you can live the life you want to.

Be sure to think about your short and long term goals and share them with your financial planner to get the most out of their services.

What’s the process?

Coming Soon

Do you take commissions?

No. We don’t take commissions or kickbacks, all our advice is based on our honest, expert opinion.

Are you owned by a bank?

No. We are totally independent.

Are self managed super funds worth it?

Self Managed Super Funds (SMSF) are favoured by many Australians for the higher levels of choice, flexibility and control they offer. SMSFs are increasingly cost effective and offer a range of investment options along with borrowing opportunities. It’s advisable to seek professional help to establish and manage a SMSF.

Get in touch with us today

Book a free appointment to find out how we can help you achieve your goals with our financial planning services. We can conduct obligation-free meetings in person in Melbourne or online. We’ll get to know each other and identify your goals so you can take the first step to getting your finances in order.
Experts you can count on
Word of Mouth Service Award 2022
Word of Mouth Service Award 2017

“This is a breath of fresh air for me. I’ve been looking for a decent accountant who wouldn’t just do the basics.”

Tim Danes
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