How to budget effectively to secure your financial future

Download FREE budget planner today
cashflow projection tool

Welcome to Northeast Wealth, where we empower individuals like you to take control of their financial future.

In this invaluable resource, we've distilled years of financial expertise and industry knowledge into an easy-to-understand guide. Whether you're a seasoned investor or just starting your financial planning journey, this spreadsheet will equip you with the tools and insights to make informed decisions and create a solid foundation for your wealth.

Here are the key benefits of using our FREE Budget Planner Excel Sheet:

1. Easy Financial Tracking:

Effortlessly track your income, expenses, and savings with a user-friendly Excel Sheet that simplifies your financial life.

2. Cashflow forecasting:

Have clarity on how your savings are likely to change in the future based on your own individual situation, including moving off a fixed rate loan, taking a holiday, buying a new home and legislated changes to tax cuts as of 1 July 2024.

3. Customized Budgeting:

Tailor your budget to your goals, allocate funds, and identify areas for improvement.

4. Real-Time Insights:

Gain valuable insights into your financial progress with dynamic charts and graphs, making it fun and engaging to monitor your money.

5. Streamlined Expense Management:

Say goodbye to chaos! Categorize and manage your expenses easily, bringing order to your spending habits.

6. Savings Growth and Debt Reduction:

Watch your savings grow and your debts shrink as our Excel Sheet helps you set targets, track progress, and make smart financial decisions.

7. Financial Goal Achievement:

Define your goals, track milestones, and celebrate achievements along the way, giving you the motivation to succeed.

8. Enhanced Decision-Making:

Make informed decisions about spending, savings, and investments.

9. Increased Financial Confidence:

Experience a sense of control and peace of mind as you gain clarity and build a brighter financial future.

About Northeast

Northeast Wealth is a highly qualified financial planning firm in Melbourne that can help you take control of your financial future. We keep you in the driver’s seat while empowering you to make smarter financial decisions.

As a leading financial planning firm in Melbourne, we offer various financial services to ensure every client can find the best solution for their circumstances. We prioritise your financial success — our unique and tailor-made advice is made to work for you.

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Financial advisor

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Learn about our approach to financial advice
with Northeast Director, James O'Reily.

Award-winning financial advisory and retirement planning


Learn about our approach to financial advice with our Director, James O'Reilly.

professional and knowledgeable.

We asked our clients to choose any
three words to describe our advice.

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Enjoy retirement on your terms

Planning your retirement should come with a smile, not a headache. We've supported hundreds of retirees by removing all the noise and getting clear on the things that you need to get the most from your transition.

We know the path

We're experts in determining the income and asset balance that you're going to need, and the optimal composition of your assets to fund your lifestyle into the future. Our team can manage the planning for you and get you on the right path, so that you can approach retirement with confidence.

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Optimise your super

Understanding how to structure your super in the lead up to retirement will help you to save tax, maintain regular income, and worry less.

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Make intelligent investment choices

Just because you've stopped working, doesn't mean your money should. Most retirees see their investment strategy change as they approach and then commence retirement. We'll help you to understand your options and design an approach that best suits your needs and comfort levels.

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Start your journey with us today.

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Ralph & Ruth

“They’re straight to the point, they’re not going to dilly dally around and tell us things that we want to hear, rather than what we need to hear.”

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What our
clients say

We exist to see lives transformed, and we've seen a lot. See how we have changed the stories of real people across Melbourne & Australia.

Our advice

Story after story.

Learn what our people say about Northeast Wealth.


"The amount of money I'll have come retirement time and how that will serve me. Knowing that as I get older, I will be okay. When I lose that ability to work that I have that financial security. Discussing that now brings me peace of mind."

Brian & Tina

"I wanted somebody that was not new in the market, but had very good experience but also wasn't bound to old ideals or old-fashioned ways. I wanted somebody that was current and relevant."

Surge & Kavita

"The service that we were expecting is amazing, probably above and beyond. The constant check-ins were really good, because you always have Northeast at the back your mind, or at the forefront of your mind- really in everything that we were doing."

Get unique and personalised financial advice.

We ensure that our advice process allows us to gather all
the important information we need while keeping you in
the driver’s seat.

Advice unlike the rest.

Much of our industry remains focused on sales. We’re focused on delivering advice, strategies and coaching that are designed to meet your own needs.

Our Advice

You always come first.

Our advice helps clients to navigate through the tough challenges and make the most of the big opportunities. By optimising your financial situation, we want you to be able to do more of what you love, sooner.

Our approach

Optimise & maximise.

Often it’s the small things that create the biggest results. We’re experts at identifying the changes that will deliver the biggest impact in your financial life, and work with you to iron out all the kinks.

Our Services

Start your journey with us today.

Get in touch via the form below, or book in a time to call. We look forward to hearing from you.

Shoot us a message:

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Or book in a call: