Superannuation & Retirement Planning Advice in Melbourne.
We help Australians replace financial uncertainty with a clear plan they can actually feel confident about. Based in Melbourne. Serving all of Australia.
You don't need us to tell you something feels off. You already feel it.
"Am I on the right path — or have I left it too late?"
"Do I actually have enough super? I genuinely have no idea."
"Where do I even start?"
These are not small worries. Financial uncertainty affects your sleep, your relationships, and the way you feel about the future every single day. And the harder it feels to face, the easier it becomes to delay — which is exactly how a manageable situation becomes one that isn't.
Most people don't ignore their retirement because they don't care. They ignore it because it feels too big to know where to start.
That is precisely what we are here to solve.
At Plan My Wealth, we don't just build you a financial plan. We take the weight off your shoulders — and give you something most people have never had around money: genuine clarity about where you stand and exactly what it will take to retire on your terms.
We build retirement plans. But what our clients actually walk away with is peace of mind. Based in Melbourne. Serving all of Australia.
What we actually deliver:
Relief from the weight of financial worry
The moment you stop avoiding it and sit with someone who knows exactly what they are doing, the weight starts to lift. That feeling is real — and it is what we work toward from day one.
Someone capable in your corner
You are not navigating this alone anymore. We are here to answer questions, flag what you may have missed, and keep your strategy aligned as your life evolves.
Clarity when everything feels uncertain
Using institutional modelling software, we show you in real numbers where your super stands, what gap exists, and which strategies will close it — so you stop guessing and start knowing.
You've never sat down with an adviser and had someone model your actual retirement scenario
The gap between acting and waiting is enormous — and it grows every year
The Australian superannuation system is one of the most complex financial frameworks in the world — and it changes regularly. Updates to concessional and non-concessional contribution caps, the carry-forward rule, the transfer balance cap, and Age Pension means test thresholds have created both significant opportunities and costly traps. Most people don't know which side of those they are currently on.
For Australians approaching retirement, the difference between an optimised super strategy and a passive set-and-forget approach can mean hundreds of thousands of dollars in retirement income over a 20 to 30 year drawdown period. And retirement planning is never just a super question — it involves how your superannuation interacts with outside investments, your family home, potential Age Pension entitlements, and the lifestyle you actually want to live.
That feeling of overwhelm rarely goes away on its own. It goes away when you have a plan.
Understanding Your Current Situation
Before we talk numbers, we want to understand where you are right now — what is working, what is worrying you, and what matters most to you about your financial future.
What does retirement actually look like for you? When do you want to stop working, or start reducing your hours? What lifestyle do you want to maintain — and what would you hate to give up?
These conversations shape everything that follows. Your retirement income target is built around your answers, not a generic template.
Superannuation Audit
We review your current super fund(s), investment options, insurance held within super, contribution history, and projected balance at retirement.
If you have multiple funds, we assess whether consolidation is appropriate — factoring in insurance implications before making any recommendation.
Modelling of Your Scenario
Using institutional modelling software, we calculate the gap between your projected super balance and your required retirement income — and model which strategies will close that gap most effectively given your remaining working years.
We test multiple scenarios and show you the impact on your cash flow, tax position, debt, and long-term wealth.
Strategy Development
Depending on your situation, this customized strategy map may include:
- Maximising concessional contributions (employer + salary sacrifice)
- Non-concessional contributions and bring-forward rules
- Spouse contribution strategies
- Transition-to-retirement (TTR) income streams
- Superannuation portfolio construction — ETFs, managed funds (retail and wholesale), and direct shares tailored to your risk profile and retirement timeline
- Assessment of self-managed super (SMSF) suitability
Retirement Income Planning
We model your retirement income — how you will draw down from super, how long your balance is likely to last, and how it interacts with the Age Pension and any other income sources.
You will see a clear picture of your projected retirement, not a rough estimate.
Written Statement of Advice
All recommendations are documented clearly, including the structural rationale for each recommended financial strategy and all associated costs and management fees — before you commit to anything.
Ongoing Reviews
Super legislation changes. Your circumstances change. We review your strategy as part of our ongoing engagement, at intervals that make sense for your situation — keeping your portfolio perfectly aligned to where you are in life.
Scope of Service
Clear, transparent financial planning tailored to your retirement goals. Here is exactly what we deliver, and where we pull in specialist partners.
What's Included
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Retirement goal setting and income target calculation
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Full superannuation audit (fees, performance, insurance, investment mix)
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Institutional scenario modelling (cash flow, debt, tax, wealth)
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Contribution strategy — concessional and non-concessional
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Super portfolio construction: ETFs, managed funds, direct shares
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Retirement income modelling and drawdown projections
Hear From Our Clients
"My husband and I have been with Plan My Wealth since our retirement and have found all those we have had dealings with to be professional and friendly. They make us feel welcome and take the time to explain what we see as complex processes to make it easy to understand and follow. Great team."
"Highly recommend Manny, he was very knowledgeable and took time to explain everything so I could understand, he made me feel like a valued client rather than just a number."
"Working with Manny has been an excellent experience. He's professional, friendly, and takes the time to make complex financial matters easy to understand. His guidance has given me real confidence in managing my finances. I highly recommend him to anyone looking to take control of their financial future."
Serving All of Australia — Based in Bundoora, Melbourne
Plan My Wealth is based at The Watermans Bundoora, Level 2, 1/3 Janefield Drive, Bundoora VIC 3083. We provide superannuation and retirement planning advice to clients across Bundoora, Mill Park, Epping, Lalor, Wollert, Reservoir, Preston, Heidelberg, Greensborough, Macleod, Montmorency, Eltham, South Morang, and Diamond Creek.
We also work with clients throughout metropolitan Melbourne and across Australia via secure video consultation. Geography is no barrier to getting quality retirement advice.