Financial Adviser Serving Wollert
We provide retirement-focused financial advice for Wollert households, covering superannuation, retirement planning, investments, cash flow and personal insurance.
Our office is at The Watermans in Bundoora, south-east of Wollert. We can meet you at home, by secure video, or at our Bundoora office. Your first consultation is free.
- Retirement-focused advice
- Home, secure video or office appointments
- First consultation free
- No obligation
How we help Wollert clients
Retirement planning is different from the financial decisions you make while you are working.
For Wollert households approaching retirement, we bring your superannuation, investments, spending, insurance and potential Age Pension entitlement into a single plan — and show you what it actually supports.
- Retirement-focused adviceWe specialise in helping people in their fifties and sixties move from building wealth to living on it.
- Based in Bundoora, serving WollertOur office is at The Watermans in Bundoora, about twenty minutes' drive south-east of Wollert. We work with clients across Wollert, Epping, Mernda and Craigieburn.
- Clear, evidence-based adviceWe explain the reasoning behind our recommendations, model different scenarios and show you the numbers before you make major decisions.
What changes when you retire
Three things reverse at retirement. None are obvious while you are still earning.
Almost all the financial advice you meet across a working life is about building up: contribute regularly, stay invested, ignore the noise. It is sound advice, and it stops being enough the day you start drawing money out.
Markets falling early on
While you are contributing, a fall can even help — you buy in at lower prices.
Once you are withdrawing, money taken out during a downturn never participates in the recovery.
The tax position changes
Through your working life the concessions are on the way in.
In retirement the focus shifts toward how income is generated and how withdrawals are structured.
Your assets get counted
Everything you hold becomes relevant to what the government will and will not pay you.
The family home is generally exempt, though homeowners and non-homeowners face different thresholds.
Wollert: young families, new homes and new arrivals
Wollert is a very young suburb. The median age is 30, against 38 across Victoria, and one in three residents is aged 30 to 44.
It is almost all new family homes. More than six in ten homes have a mortgage, against about a third statewide, and six in ten families are couples with children.
Almost one in five residents was born in India, and seven in ten households speak a language other than English at home. Punjabi, Arabic and Hindi are the most common.
Figures from the Australian Bureau of Statistics 2021 Census.
If you started working in Australia as an adult
If you came to Australia in your twenties or thirties, you have fewer years for super to grow here. The years you do have count for more, so the fund, the fees and the investment option matter.
Many people also have small super accounts from early jobs, sometimes under an old address. You can find every account in your name through myGov. Details are on the ATO site.
If your parents join you here later, they generally need 10 years of residence before they can get the Age Pension. The rules are on the Services Australia site.
What Wollert households worry about
These come up again and again at this stage. None of them require you to have anything sorted out beforehand.
-
I came to Australia at 30. Can I still build enough super?
Often, yes — but there is less time, so the details matter more. We check your fund, fees and investment option, and what small extra contributions would add.
-
I had jobs on a student visa. Is that super still mine?
Often it is, if it has not been paid out. We help you find it and decide where it should go. You can see every account in your name through myGov.
-
I drive trucks long hours. What happens if I can't work?
That is what income protection and TPD cover are for. We check what you already have, including inside your super. ASIC explains the basics on its insurance through super page.
-
We have a big mortgage and send money to family overseas. How do we plan?
We build both into one budget, so the mortgage, family support and your own super all get a fair share.
-
I have super in three or four places and no idea which is any good.
We check the fees, performance, holdings and insurance in each one, and only combine them where it genuinely helps. Find every account in your name through myGov.
-
I don't know who to trust. Everyone seems to be selling something.
Fair. What you can check: our licence on the ASIC register, a fee in writing before any work begins, and no product recommended in a first meeting.
What we do
What we advise on
We provide retirement-focused financial advice for people in their fifties and sixties across Melbourne, covering superannuation, investments, cash flow and personal insurance.
The practice is built around one transition — the shift from building wealth to living on it. That is a different problem from the one you have been solving for thirty years, and it is the only problem we work on.
Superannuation & retirement planning
What you hold, what it costs, and whether it supports the retirement you have in mind
Investment Advice
Portfolios built from your withdrawal timetable rather than a risk questionnaire
Life Insurance Advice
What still needs protecting now, and whether cover belongs inside super or outside it
Cash flow & budgeting
What you actually spend, which is what every retirement projection rests on
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."
Financial advice for Wollert
If you are approaching retirement and are unsure whether your current arrangements will provide the retirement you want, the first step is understanding where you stand. No cost. No obligation. Just an honest conversation about your position and whether advice could be useful.
Wollert is about twenty minutes from our Bundoora office.
Areas we serve near Wollert
Wollert sits in the City of Whittlesea, north-west of our Bundoora office. We work across it and every suburb around it.
You do not have to travel to us
Wherever you are in Melbourne's north, we can meet three ways.
At your home
We can come to you. For many people approaching retirement it is the simplest option, particularly when the paperwork is already there.
By secure video
Everything runs through cloud-based systems, so a video meeting covers the same planning and modelling as an in-person one.
At the Bundoora office
The Watermans, Level 2, 1/3 Janefield Drive, with parking on site. There if you want it, never required.
Not seeing your suburb? See every area we serve.
Questions answered
Frequently
Asked Questions
Questions Wollert households ask most often, and a few about how we work. If yours is not here, ask us — the answer usually takes a minute.
Are you actually based in Wollert?
No. Our office is at The Watermans, Level 2, 1/3 Janefield Drive, Bundoora — south-east of Wollert, about twenty minutes away. We can meet at your home, by secure video, or at the office.
We would rather say that plainly than imply otherwise.
Do I have to travel to your Bundoora office?
No. We can meet at your home in Wollert, by secure video, or at the office — whichever suits you.
I started working in Australia later in life. Will I have enough super?
It depends on your income, how much longer you will work and what you want to spend. Fewer years in super means the fund, the fees and the investment option matter more.
We give you a realistic number and the steps that close the gap.
How do I find super from my early jobs?
Log in to myGov and link the ATO. It shows every super account in your name, including lost or small ones. Details are on the ATO site.
We help you decide which to keep, and check the insurance before anything is closed.
Can my parents get the Age Pension if they move here?
Not straight away, in most cases. There is generally a 10-year residence rule, with some exceptions. The rules are on the Services Australia site.
We plan the household budget around it, so it is not a surprise.
Do I need income protection as a driver or shift worker?
Often, yes. If an injury stopped you working, the mortgage would not stop. Many people have some cover inside super already. ASIC explains it on its insurance through super page.
We check what you have, and only suggest changes where they are needed.
How do we balance the mortgage, family overseas and our own super?
With one plan for all three. We set a realistic amount for each, so one goal does not crowd out the others, and adjust it as your income grows.
Does our Wollert home count toward the Age Pension?
When you get there, your home is generally exempt from the assets test while you live in it. Homeowners and non-homeowners are assessed against different thresholds.
Current thresholds are published by Services Australia.
Do you work with people in Epping, Mernda, Doreen and Craigieburn?
Yes, along with South Morang, Lalor, Donnybrook and Bundoora.
Epping, Mernda, Doreen, South Morang and Lalor each have their own page.
We also advise clients across Melbourne and Australia-wide by secure video.
What happens after I get in touch?
We will get back to you within one business day to arrange a time. The first meeting runs about an hour and can take place at your home, at the office, or by video.
If advice would be useful, we send you a written scope and a fixed fee afterwards. Nothing to sign on the day.
What does financial advice cost?
The first meeting is free and carries no obligation. If advice would be useful, we send you a written scope of work and a fixed fee afterwards, and you decide whether to proceed.
Fees are set by the complexity of the work rather than the size of your balance. Our fee arrangements are set out in our Financial Services Guide.
I have several old super accounts. Should I combine them?
Not automatically. Combining accounts can remove duplicate fees and simplify your finances, but closing an account can also cancel insurance held inside it.
We assess each fund first and check the insurance before recommending whether anything should move. You can see every account in your name through myGov.
How do I confirm an adviser is properly licensed?
Search the ASIC Financial Advisers Register by name or authorised representative number. It shows qualifications, licensee and advice history, and it is free to use.
Manny Tran's authorised representative number is 423115.