What We Do
Why partner with Northeast?
Northeast Wealth is a Melbourne-based financial planning practice that has spent 17 years helping Australians move from financial uncertainty to genuine confidence.
What sets us apart is how we work. We look at your complete financial picture and build a strategy that's genuinely tailored to your life. We provide advice across retirement planning, superannuation, investment management, tax minimisation, personal insurance, and debt reduction.
When working with us, you get a team that stays with you. Whatever stage you're at, we cover the ground that matters.
Here is how we can help
Investments
- This is your final decade of investing for growth, before you need to start investing for safety.
- Correct allocation of your investments can mean hundreds of thousands of dollars more than if you leave it unchanged.
Cashflow
- Your cashflow may be at its strongest as you move through this phase, potentially w/ double incomes and hopefully less spent on education and mortgage repayments.
- Small improvements to your spending patterns today has an enormous impact on your life tomorrow.
Superannuation
- As you get closer to being able to access your super, your superannuation balance is starting to feel real, and voluntary contributions take higher priority.
- Many of our members save over $30K p/a in tax by better ultilising their superannuation accounts.
Retirement Planning
- Careful planning in your 50s can result in Age Pension benefits which you were otherwise not entitled to.
- That's less money you need to take from your savings to fund your ideal retirement.
Insurances
- If you still have personal insurance premiums in this phase of your life, we don’t need to tell you that they are expensive. This is the time to conduct a fresh analysis and reduce your cover down to the bare minimums of what you need.
- For a 55yo who has annual insurance premiums of $5,000 and makes no changes to their cover, standard annual increases may result in them paying as much as $154,000 over the next 10 years.
Tax Minimisation
- As your income and investment earnings grow, small improvements to your tax strategy can save tens of thousands of dollars over time.
- Paying less tax doesn't just increase your wealth today - it creates more options for tomorrow.
Clearing Debt
- As retirement gets closer, reducing debt can significantly improve your financial flexibility and peace of mind.
- Bringing forward the day you become debt-free, unlocks thousands of dollars each year for the things that matter most.
Real Stories from Our Members
Hear directly from our members and how our advice gave their money direction, clarity, and progress.
I think that was part of one of the issues is that we weren't aligned on how our finances should be taken care of. To go through this process together with James, he's brought us both on this journey and we're now at the same place.
I love that James does the wraps of the- like the recent one on the federal budget. Last year, it was around COVID and the share markets and that type of thing, because he summarizes it in a brief package, 10, 15 minutes that I can sit here and listen to that. Whereas, if you listen to the news it's a bit here and a bit there, and you're kind of, "What's the right--? Are you getting all the bits to make your decision or be informed?” I love that James does that and does it so quickly after the event as well so that you're in the know.
I think one of the first questions our advisor asked us, "Okay, you've got a child, you've got a mortgage, you've got a car, you want holidays, you've got all these expenses, then they go to high school. Those expenses are going to be there whilst they go to high school, where are you going to come up with all these extra money from?" We looked at him like, "I have no idea," but, now we do. It's just about that planning and structure that helped us to see it a bit more clearer."But you can still enjoy your lifestyle though?
I think with my goals, personal goals, I've always had the long term goal, which has remained the same. The journey to get to my long term goal has changed quite a bit over the last two, three years. Northeast Financial advisers have guided me on that and given me advice and given me that clarity of why I should be doing things. Or, if I decide to make a decision, what the potential outcomes of that decision would be. If you go another way, another direction, what the potential outcomes of that would be.
When we started engaging with Northeast, that’s how I thought, “Oh, it’s a more holistic type of advice.” It links backs to our life goals.
Getting started takes
one conversation
We know you're busy. We've made every step of the financial journey as straightforward as possible, from your first call through to your ongoing financial management. Here's how it works.
Book a free discovery call.
A relaxed, no-obligation 45-minute virtual conversation with one of our financial planners. We'll discuss where you are today, where you'd like to be, and what matters most to you. We take the time to understand your financial situation and lifestyle goals, while determining whether we're the right fit to help. Because life is busy, we meet with you online, making it simple and convenient to get expert financial guidance from the comfort of your home or office.
We build a personalised financial plan.
If we're a good fit, your adviser will do a thorough review of your complete financial situation: your income, assets, super funds, personal insurance, tax position, and existing investment options. From that deep understanding, we build a strategy with tailored advice designed specifically around your individual circumstances.
We implement it, review it, and grow with you.
We don't simply offer one-off advice. Once your plan is in place, we stay by your side and help you implement your strategy, review your progress regularly, and adjust everything as your life evolves. You'll always feel confident and informed about where you stand and what comes next.
The best time to start was yesterday.
The second best time is today.
Ready to have a chat?
No cost, no commitment, no obligation - we promise.