Financial Planning · Beaconsfield, VIC

Financial Planning in Beaconsfield for the life you’re building.

Good financial advice starts with understanding what matters to you. Whether you’re juggling family expenses, growing your investments, reviewing your super or getting ready for retirement, we help you make informed decisions with your longer-term goals in mind.

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Servicing Beaconsfield & Melbourne’s South-East

Mortgage Broking + Financial Planning

Financial Planning for Life in Beaconsfield

Balancing family life with future goals

For many households in Beaconsfield, financial priorities extend well beyond the weekly budget. Mortgage repayments, raising a family, managing superannuation, investing for the future and building savings can all compete for attention.

A financial plan can help bring these priorities together. By looking at your income, commitments, assets and future plans, we can help you work out where to focus now and how today’s decisions may affect your longer-term financial position.

7.2k

Population (2021)

Median Age

+8.2%

Population Growth Since 2016

Families

Predominant Household Type

Making Sense of Your Financial Options

Knowing what to do next isn’t always straightforward

There is rarely just one financial decision to make. Putting more into super, paying down debt, investing or keeping money available for the unexpected can all have their place. The challenge is understanding which choices make sense for you.

Where Should Your Money Go First?

When you have several competing priorities, it can be difficult to know whether to focus on debt, savings, investments or superannuation. We help you consider the trade-offs in light of your goals.

How Much Risk Makes Sense for You?

Your financial strategy should reflect your circumstances, timeframes and comfort with uncertainty, not simply follow a generic investment approach.

Two People, Different Priorities

Partners don’t always have the same financial goals or attitudes towards risk. Working through those differences can help establish a shared direction for your finances.

Financial Planning In Beaconsfield

Making your money work towards your priorities

Financial planning isn’t just about selecting investments or deciding where to put your super. It’s about understanding how your financial decisions fit together and whether they’re helping you move towards the life you want.

You might be building a career, raising a family, growing your investments or starting to think seriously about retirement. Whatever your current priorities, a financial adviser can help you assess your position, identify opportunities and develop a strategy that reflects your goals.

Our advice can cover wealth creation, superannuation, investment strategy, retirement planning and personal insurance, depending on your circumstances.

Explore our Financial Planning Services

Based in Melbourne’s South-East

We work with clients in Beaconsfield and surrounding areas, helping them consider the bigger picture when making important financial decisions.

Wealth & investment strategy
Superannuation review
Personal insurance & protection
Retirement planning
Mortgage & lending, where appropriate

What Can a Financial Plan Help You Achieve?

Turn financial priorities into a practical strategy.

A financial plan should give you more than a list of recommendations.
It should help you understand your options and how different decisions could affect your future.

Depending on your circumstances, financial advice may help you:

Get organised financially by reviewing your income, expenses, debts, assets and priorities
Build long-term wealth through a considered approach to saving and investing.
Make better use of superannuation by reviewing your current arrangements and future retirement needs.
Prepare for retirement by considering how your assets could support your desired lifestyle.
Protect your financial position with appropriate personal insurance if illness, injury or other unexpected events affect your ability to earn an income.
Bring your finances together so investments, super, insurance and other commitments work towards compatible goals.

Financial Planning Through Life’s Changes

Your financial priorities won’t stay the same

The decisions that matter in your 30s may look very different by the time you’re approaching retirement. Reviewing your financial strategy as life changes can help you keep your plans aligned with your circumstances.

Starting Out

Establish sound financial habits, get on top of cash flow and start building savings and superannuation for the years ahead.

Buying a Home

Consider how a property purchase, mortgage repayments and other household costs fit within your broader financial goals.

Building Wealth

Develop a longer-term approach to investments, superannuation and other assets as your income and financial responsibilities grow.

Protecting What Matters

Consider how personal insurance could help protect your income and family if illness, injury or another unexpected event affects your ability to work.

Preparing for Retirement

Assess your superannuation, investments and expected expenses to understand what your retirement could look like and what steps may help you prepare.

Enjoying Retirement

Review how your savings and investments can support your lifestyle, generate income and adapt as your needs change.

Your Mortgage Is Part of the Bigger Picture

Lending decisions and financial planning, considered together.

With both mortgage broking and financial planning services under one roof, we help you understand how one decision may affect another, whether you’re buying your first home, refinancing or investing in property.

Explore Mortgage Broking in Beaconsfield

Why Choose Our Financial Advisers?

Advice that starts with your circumstances

Approach

Personalised Advice

Your goals, commitments and financial position shape the advice we provide. We take the time to understand what’s important to you before developing a strategy.

Perspective

The Bigger Picture

We consider how superannuation, investments, insurance and retirement plans interact, rather than looking at each decision in isolation.

Clarity

Clear Explanations

Understand the reasoning behind your options, what they involve and how they relate to your goals, with practical explanations in plain English.

Guidance

Support Over Time

As your income, family circumstances and priorities change, your financial strategy can be reviewed and adjusted to suit your next stage of life.

Meet Your Financial Advisers

Real people, real experience, servicing Beaconsfield.

You’ll always know who you’re talking to. Here’s a bit about the advisers behind your financial plan.

Justin Smaluch

Financial Adviser

Justin is an experienced financial adviser who helps clients across Beaconsfield and Melbourne’s south-east make confident decisions about their finances.

His focus is on practical, personalised advice across wealth creation, superannuation, retirement planning and protecting what matters.

Certified Financial Planner CFP®
Authorised Representative No. 1261429, AFSL 229892

Michael Wallace

Financial Adviser

Michael has helped hundreds of clients over more than ten years in financial services.

He specialises in helping clients build wealth, save money and develop clear strategies for their future, including retirement planning and account-based pensions.

Certified Financial Planner CFP®
Authorised Representative No. 1267421, AFSL 229892

Meet The Full Team On Our About Page

What Our Clients Say

Real feedback from clients in Beaconsfield & across South-Eastern Melbourne.

      EXCELLENT  
   Based on 245 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Julie S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Can highly recommend Justin and the team at MJ Financial Chiefs. Justin has helped me and my family through extremely challenging situations. Nothing is too much trouble and Justin explains things so it all makes sense. If you’re even thinking of seeking financial advice I would encourage you to give MJ Financial Chiefs a call to discuss your situation. You won’t regret it. Julie Scott
  
 
      Posted on Google  
   
   Fiona D 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had a fantastic experience working with Michael from MJ Financial Chiefs for our financial planning. Michael took the time to understand our goals, explain our options clearly and help us feel more confident about our financial future.

He was professional, knowledgeable and genuinely helpful throughout the process. We really appreciated his guidance and the time he took to make sure we understood everything and felt comfortable with the decisions we were making.

We’re very grateful for Michael’s support and would highly recommend him and MJ Financial Chiefs to anyone looking for financial planning advice. Thank you, Michael!
  
 
      Posted on Google  
   
   Bryce H 
 
 
 
 Trustindex verifies that the original source of the review is Google. Fantastic Service. Michael is very knowledgeable, helpful and incredibly easy to deal with. Would recommend!
  
 
      Posted on Google  
   
   Tara R 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had been wanting to refinance our home loan for a while, and after having such a great experience with Michael when we first purchased our home, we knew exactly who we wanted to go through again.

The original process was simple, smooth and fast, and our refinancing experience was no different. Once again, we honestly could not fault Michael. He was quick to act, kept communication top-notch throughout the entire process, and had us approved and in a better financial position before we knew it!

We couldn’t recommend Michael highly enough. He goes above and beyond, makes the whole process stress-free, and genuinely looks after his clients. We wouldn’t go anywhere else. Michael is our go-to person for anything we need financially, and we will continue to recommend him to anyone looking for someone they can trust.

Thanks again, Michael, for making everything so easy!
  
 
      Posted on Google  
   
   Simone L 
 
 
 
 Trustindex verifies that the original source of the review is Google. Justin is fantastic to deal with - everything has been explained clearly and streamlined well. We are so glad we found MJ Financial Chiefs!
  
 
      Posted on Google  
   
   Molly W 
 
 
 
 Trustindex verifies that the original source of the review is Google. We couldn’t recommend MJ Financial Chiefs enough! ⭐️
Michael helped us secure our new block and made the entire process so easy and stress-free. From start to finish, the communication was fantastic, everything was explained clearly, and we always felt supported throughout the process.
We’re so grateful for all the hard work that went into helping us secure our property and making this exciting next chapter possible. Thank you again! We wouldn’t hesitate to recommend you to anyone looking for a fantastic mortgage broker! 😊
  
 
      Posted on Google  
   
   Margaret V 
 
 
 
 Trustindex verifies that the original source of the review is Google. My daughter referred me to Michael as she had used him to help her get bank loans for properties she was purchasing in Queensland.  I was lucky enough that Michael was local and I was able to meet up with him and discuss my finances transitioning into retirement. I found the whole experience very easy as Michael was very knowledgable and gave me some great advice as I was unsure which direction to head into whilst thinking about retiring in the coming years. He was always there if I needed any questions answered and will continue to guide me leading into full retirement. I would highly recommend MJ Finacial Chiefs and Michael if you need any financial advice or plan leading into retirement or purchasing a home.
Thank you
  
 
      Posted on Google  
   
   Flynn V 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michael was polite, professional and very helpful in assisting us to gain a loan for us to get our first home. He was happy to get on a call or answer any questions promptly and honestly and was a huge help. Thank you!
  
 
      Posted on Google  
   
   Roxy S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Couldn’t recommend Justin highly enough. Professional, knowledgeable and genuinely focused on getting the best outcome for me. They found a great option and helped me negotiate with my existing lender.

What impressed me most was that they never pressured me to refinance when staying with my current lender ended up being the better choice. They genuinely put my interests first and were fantastic to deal with from start to finish.
  
 
      Posted on Google  
   
   Jemma w 
 
 
 
 Trustindex verifies that the original source of the review is Google. As first home buyers, we honestly had no idea what we were doing when it came to the process of buying a home. From day one, Michael went above and beyond to guide us through everything, answer every question and make what felt like a very overwhelming process so much easier.

We always joked that the devil works hard, but Michael works harder! He was genuinely always available, incredibly easy to contact and never made us feel like any question was silly or too much trouble.

We couldn’t recommend Michael highly enough to anyone looking for a broker, especially first home buyers.

Financial Planners Servicing Beaconsfield and Surrounding Areas

Finding a planner isn’t just about finding someone nearby.

It’s about finding an adviser you can build an ongoing relationship with and trust to understand your financial goals. Our team works with clients at different stages of life and a range of financial circumstances throughout Melbourne’s south-east.

BerwickOfficerClydePakenhamNarre WarrenCranbourneBotanic RidgeDrouinBeaconsfield

Take the Next Step With Your Financial Future

You don’t need everything figured out before speaking with a planner.

Sometimes the first step is simply understanding where you stand financially, what options are available to you and whether professional financial advice could help.

Whether you’re building wealth, protecting your family, planning for retirement or simply looking for greater clarity around your finances, we’re here to help.

Book A Financial Planning Consultation

Frequently Asked Questions

What exactly do you do as a financial planner?mjfc2026-08-26T15:00:02+10:00

What exactly do you do as a financial planner?

As financial advisers, we help individuals and families make informed decisions about their money and long-term financial future. This can include guidance around budgeting, cash flow, investments, superannuation, retirement planning, personal insurance, debt management,wealth creation strategies and more.

We work with clients to understand their goals and create tailored financial plans designed to help them build, manage, and protect their wealth over time. We can also help ensure you have appropriate insurance and financial structures in place to protect your income and lifestyle if unexpected events occur.

Where appropriate, we also work alongside other professionals involved in your financial life, such as accountants and solicitors, to help ensure your overall strategy is aligned and working together effectively.

What is financial planning?mjfc2026-08-26T15:00:11+10:00

What is financial planning?

Financial planning is the process of understanding your current financial position and creating a strategy to help you achieve your short-, medium- and long-term goals. It can cover areas such as cash flow, superannuation, investments, insurance, retirement planning and estate considerations — all tailored to your circumstances.

What areas can financial planning help with?mjfc2026-08-26T15:00:31+10:00

What areas can financial planning help with?

Financial planning may assist with:

Setting clear financial goals
Superannuation strategies
Investment planning
Personal insurance and risk protection
Retirement planning
Cash flow and budgeting
Estate and legacy considerations

Advice is tailored to what’s relevant for you — not a one-size-fits-all approach.

When is the right time to seek financial advice?mjfc2026-08-26T15:00:38+10:00

When is the right time to seek financial advice?

There’s no “perfect” time — but common triggers include buying property, starting a family, changing jobs, receiving an inheritance, planning for retirement, or simply wanting greater clarity and confidence around your finances.

Is financial planning only for people with high incomes or large assets?mjfc2026-08-26T15:00:52+10:00

Is financial planning only for people with high incomes or large assets?

No. Financial planning is about making the most of what you have, regardless of your income or net worth. Many people benefit most from advice earlier in life, when good decisions can have the biggest long-term impact.

Do I need a financial plan if I already have a home loan?mjfc2026-08-26T15:01:20+10:00

Do I need a financial plan if I already have a home loan?

Yes. A home loan is just one part of your overall financial picture. Financial planning helps ensure your property decisions align with your broader goals, including wealth creation, retirement, risk protection and lifestyle planning — not just today, but over time.

What information do you need from us and why?mjfc2026-08-26T15:01:40+10:00

What information do you need from us and why?

To provide tailored financial advice, we’ll need to understand your current financial position, goals, and personal circumstances. This may include information about your income, expenses, assets, liabilities, superannuation, existing investments, insurance policies, and future objectives.

The more complete the information you provide, the better we can assess your situation and develop strategies that are appropriate for your needs and goals. Any information shared with us is treated confidentially and used to help us provide advice that is relevant, accurate, and aligned with your best interests.

Is my information kept confidential?mjfc2026-08-26T15:01:45+10:00

Is my information kept confidential?

Yes. Financial planners are required to adhere to strict privacy and confidentiality obligations. Your personal and financial information is handled securely and used only for the purpose of providing advice.

How much does financial planning cost?mjfc2026-08-26T15:01:58+10:00

How much does financial planning cost?

Because Financial Advice is personal and no two situations are the same. Fees vary depending on your goals, financial position and the scope/complexity of advice required. You can see our typical costs for financial advice here.

Is the fee one off or ongoing?mjfc2026-08-26T15:02:07+10:00

Is the fee one off or ongoing?

Financial advice can have a mix of both one off and ongoing fees depending on the types of advice provided, for a better understanding see our fee table here.

How is financial advice paid for?mjfc2026-08-26T15:02:13+10:00

How is financial advice paid for?

The cost of advice depends on the complexity of your situation and the type of advice provided. All fees and any commissions (where applicable) will be clearly disclosed so you understand exactly what you’re paying for before proceeding.

How long does the advice process usually take?mjfc2026-08-26T15:02:30+10:00

How long does the advice process usually take?

The timeframe for the financial advice process can vary depending on the complexity of your situation and the type of advice you require. In many cases, the process can take anywhere from a few weeks to a couple of months from the initial consultation through to presenting your personalised advice and implementing it.

This includes time to gather information, understand your goals, complete research and strategy analysis, prepare recommendations, and discuss the advice with you in detail. If additional professionals such as accountants or solicitors are involved, this can sometimes extend the timeframe slightly. Throughout the process, we’ll keep you informed and work with you to ensure everything progresses as smoothly as possible.

You can read more about our Financial Advice process here.

What’s the difference between financial advice and general financial information?mjfc2026-10-27T13:47:14+11:00

What’s the difference between financial advice and general financial information?

General information is broad and educational. Financial planning provides personalised advice, based on your specific circumstances, goals and risk profile — helping you make decisions that are appropriate for you.

Let’s Talk

Let’s talk about your financial future.

If you’re looking for a financial planner in Beaconsfield, we’d love to understand more about your circumstances and what you’re hoping to achieve.