Personalised Investment Advice — Based in Bundoora, Melbourne
We help everyday Australians build investment strategies that are clear, structured, and built around their actual goals — based in Bundoora, serving all of Australia.
Investing feels complicated. Most people put it off. That's exactly when the cost of waiting starts to grow.
"I have money sitting in a savings account doing nothing — but I don't know what to do with it."
"I don't want to make the wrong move and lose everything."
"I don't know who to trust — everyone seems to be selling something."
"I know I should be investing. I just don't know where to start."
These are not signs of financial failure. They are the natural result of a system that is genuinely complex, full of conflicting opinions, and not designed to make the right answer obvious.
The cost of waiting, however, is real. Every year without a structured investment strategy is a year of compounding growth you do not get back. The longer uncertainty wins, the harder it becomes to close the gap.
At Plan My Wealth, we cut through the noise. We understand your goals, your timeline, and your risk tolerance — and we build an investment strategy that reflects all three. Documented in writing. Explained in plain English. Built around you, not a product.
The portfolio is the vehicle. Building genuine wealth on your terms — is the destination
Clarity over complexity
We use institutional modelling software to project the impact of different investment decisions on your cash flow, debt, tax, and long-term wealth — so you can compare real scenarios, not assumptions.
Confidence without pressure
We do not have a product to sell you. Our role is to understand your situation and recommend what is genuinely appropriate — documented clearly in a written Statement of Advice before you commit to anything.
A portfolio built around you
We build and tailor investment portfolios to each client's specific requirements — using ETFs for low-cost market exposure, retail and wholesale managed funds for specialist strategies, and direct shares where appropriate for your tax position and portfolio size.
Someone who stays in your corner
Markets change. Life changes. We offer structured review appointments to keep your strategy current and your portfolio aligned to where you are headed — not where you were when we started.
Does any of this sound familiar?
You do not need to be wealthy to benefit from investment advice. You need a starting point, a structure, and someone who will be honest with you about both. If any of these resonate, we should talk.
● You have savings sitting in a low-interest account and want to put them to work
● You are unsure how to structure investments alongside super, property, or other assets
● You want to understand your options without feeling pressured into a product
● You are approaching a life event and need clarity on next steps
● You want a diversified portfolio built around your specific situation — not a template
Good investment advice is not about picking winners. It is about building a strategy you can hold through anything.
The investment landscape for Australian households has shifted considerably. Interest rate movements, inflation expectations, and changing superannuation rules have all affected the relative performance and suitability of different asset classes. Generic, one-size-fits-all approaches often fail because they do not account for your personal tax position, existing asset allocation, or how you respond to market volatility.
A well-structured investment strategy is appropriately diversified, aligned with your risk tolerance, and built to help you reach your specific financial goals — without taking on unnecessary complexity, unnecessary cost, or unnecessary risk.
How We Work
Goals & Risk Assessment
We begin by understanding what you are trying to achieve and when. Your timeframe changes everything. We conduct a thorough risk profile assessment — not just a questionnaire, but a genuine conversation about how you actually respond to market volatility.
Current Position Analysis
We review your existing investment holdings, superannuation balance, debt position, tax situation, and income — to identify your starting point and any gaps or inefficiencies in your current structure.
Scenario Modelling
Using institutional modelling software, we model the impact of different investment strategies on your cash flow, tax, debt, and projected wealth outcomes. This means you can compare scenarios with real numbers — not assumptions.
Portfolio Construction
We build and tailor investment portfolios to each client's requirements. Depending on your situation and goals, this may include:
— Exchange-Traded Funds (ETFs) — for low-cost, diversified market exposure
— Managed funds (retail and wholesale) — for actively managed, specialist strategies
— Direct shares — where appropriate for your tax situation, income needs, or portfolio size
Statement of Advice
All investment recommendations are documented in a clear, written Statement of Advice (SOA) that explains what we recommend, why we recommend it, and what it costs — before you commit to anything.
Implementation Support
We assist you in implementing your strategy — whether that involves setting up investment accounts, transitioning existing holdings, or establishing regular investment contributions.
Ongoing Review
Investment strategies require regular review as markets, legislation, and personal circumstances change. We offer structured review appointments to keep your strategy current and your portfolio aligned to your goals.
What's Included
-
Goals and risk tolerance assessment
-
Review of existing investments and asset allocation
-
Institutional scenario modelling (cash flow, debt, tax, wealth)
-
Personalised investment strategy — written
-
Portfolio construction: ETFs, managed funds (retail & wholesale), direct shares
-
Asset class and structure recommendations
-
Statement of Advice (SOA) with all costs disclosed
-
Implementation support
-
Scheduled strategy reviews (ongoing engagement)
-
Tax advice or tax return preparation (referral provided)
-
Property valuation or real estate advice
-
Day-trading or speculative strategies
-
Cryptocurrency-specific advice
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 investment advice to clients across Bundoora, Mill Park, Epping, Lalor, Wollert, Reservoir, Preston, Heidelberg, Greensborough, Macleod, Montmorency, Eltham, South Morang, and Diamond Creek — and to clients across Australia via secure video consultation.