How We Help
At Obsidian Wealth Melbourne, we provide tailored financial strategies to help professionals, families, and business owners achieve lasting financial success.
We solve financial challenges with tailored solutions that align with your values, goals, and aspirations. Whether you’re building financial stability, growing wealth, or exploring advanced investment opportunities, our services deliver clarity, confidence, and actionable results.
Managing your finances can feel overwhelming. You may be juggling bills, saving for your dream home, or planning for private school fees. Perhaps you’re looking to grow your wealth but feel unsure about where to invest or how to diversify.
You might be dreaming of early retirement, first-class holidays, or securing your family’s future, yet the uncertainty and complexity of financial decisions make these goals seem out of reach.
- We're here to help you:
- Simplify your finances, so you know where you stand and how to move forward.
- Build and grow wealth aligned with your goals and risk preferences.
- Plan for major milestones like buying property, funding education, or retiring confidently.
- Live life on your terms & whether traveling the world, achieving financial freedom, or building a legacy for your family.
We provide clarity and purpose to your financial journey, empowering you to make informed decisions and achieve your goals with confidence.
Financial Freedom Planning
- We create a solid foundation to meet your immediate needs while building a long-term roadmap to financial independence.
- Key solutions include:
- Superannuation optimisation to maximise retirement savings and improve future income security
- Cashflow and debt management for financial clarity and stability
- Tax efficient strategies to help you keep more of what you earn
- Foundational investment planning aligned with your risk profile and aspirations
- Detailed scenario modelling to compare strategies and optimise your overall position
Wealth Creation & Growth
- We help you grow and sustain your wealth with adaptable, results-driven strategies that withstand market change.
- Key solutions include:
- Guidance on domestic and global equities, managed funds, ETFs and more
- Portfolio diversification including property, infrastructure, and alternative assets
- Strategic asset allocation to balance growth and resilience
- Tax aware strategies to maximise after tax returns and accelerate wealth creation
Investment Guidance & Portfolio Structuring
- We design and manage portfolios that align with your goals, values, and preferred asset classes.
- Key solutions include:
- Bespoke portfolio structuring to suit your objectives and preferences
- Strategic asset allocation to enhance risk-adjusted returns
- Diversification across asset classes, sectors, and global markets
- Ongoing monitoring, rebalancing, and refinement to stay aligned with your goals
Retirement & Superannuation Planning
- We help you retire with confidence, knowing your wealth can sustain your desired lifestyle for life.
- Key solutions include:
- Retirement income planning for predictable, sustainable cash flow
- Superannuation strategies for long term growth and income
- Lifestyle-driven planning to match your retirement vision
- Wealth protection against market volatility and unexpected expenses
- Comprehensive projections modelling multiple scenarios to ensure your plan is sustainable
Self-Managed Super Fund (SMSF)
- We provide strategic SMSF advice to help you decide if it’s right for you, set it up correctly, and keep it compliant.
- Key solutions include:
- Advice on SMSF suitability for your circumstances
- SMSF setup and compliance management
- Tailored investment strategies within your fund
- Integration with retirement and estate planning for long term outcomes
Cashflow & Budgeting
- We help you take control of your money with simple, practical structures that work in the real world.
- Key solutions include:
- Detailed income and expense analysis to reveal savings opportunities
- Realistic budgets that reflect your lifestyle and goals
- Account structuring to separate spending from savings and investments
- Savings plans for targeted goals and future investments
- Cashflow scenario modelling to assess multiple approaches and optimise your position
Debt Management
- We create personalised repayment strategies to reduce interest, clear debt faster, and free up income for your goals.
- Key solutions include:
- Reviewing all current debts for cost and efficiency
- Consolidating or refinancing debt where appropriate
- Negotiating improved rates or terms with lenders
- Structuring repayments to target high interest debt first
- Loan and repayment modelling to find the fastest and most cost-effective pathway
Alternative Investments & Strategies
- We provide access to investment opportunities beyond traditional markets for diversification and growth.
- Key solutions include:
- Property investment strategies in residential, commercial, and development sectors
- Private equity, hedge fund, and venture capital opportunities
- Managed funds in infrastructure, commodities, and alternative asset classes
- Structured gearing solutions to support strategic opportunities
Risk Management & Insurance Advice
- We help you protect your income, assets, and lifestyle from unexpected events.
- Key solutions include:
- Life, TPD, trauma, and income protection cover
- Business and key person insurance
- Asset protection strategies to safeguard wealth
- Regular reviews to ensure cover remains relevant and effective
Tax Minimisation & Structuring
- We help you reduce tax, protect assets, and improve cash flow with smart structuring.
- Key solutions include:
- Personal tax planning aligned with your goals and income streams
- Trust and company structuring for flexibility and protection
- SMSF tax strategies for contributions and withdrawals
- Capital gains tax planning and income splitting
- Forecasting the impact of strategies over time to maximise after tax results
Estate & Legacy Planning
- We ensure your wealth is protected, transferred efficiently, and aligned with your needs.
- Key solutions include:
- Comprehensive estate planning aligned with your financial structures
- Wealth transfer strategies to minimise tax and simplify distribution
- Trust structures for control, flexibility, and asset protection
- Intergenerational planning to prepare the next generation for responsible wealth management
Ready to Take Action?
Looking for trusted wealth management services in Melbourne? Book in 15-Minute Clarity Call today to start your journey toward financial freedom.
