What to expect from the engagement
Engaging a financial adviser for Heidelberg, Victoria follows a regulated process designed to protect retail clients. After an initial fact-find meeting, the adviser issues a Statement of Advice (SoA) — a written document explaining the strategy, products recommended, fees and any conflicts of interest. You are not committed until you sign it. All advisers must act in your best interests under the Corporations Act, and any commissions or referral payments must be disclosed in the SoA. If the advice does not appear to meet that standard, the Australian Financial Complaints Authority (AFCA) handles complaints free of charge for consumers. Personal advice — the kind tailored to your circumstances — always requires an SoA; general advice does not.
ExperienceSince 1996 (30 years)Registration #000227568Postcode3084
Bachelor of EconomicsDiploma of Financial PlanningSelf Managed Superannuation FundsMargin Lending and Geared Investments
SuperannuationLife InsuranceLife InvestmentSecuritiesGovernment Debentures
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📍 Australia, New South Wales, Sydney, Market St, Suite 4, Level 24
ExperienceSince 2003 (23 years)Registration #001003813Postcode3084
Bachelor of Business (Economics and Finance)Diploma of Financial PlanningGraduate Diploma of Financial PlanningFinancial Advice Association of Australia (FAAA)
SuperannuationLife InsuranceLife InvestmentSecuritiesGovernment Debentures
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📍 Unit 2/81 Burgundy St, Heidelberg VIC 3084
ExperienceSince 2003 (23 years)Registration #000284332Postcode3084
Bachelor of CommerceCertified Practising AccountantRG146CPA Australia (CPA)
SuperannuationLife InsuranceLife InvestmentSecuritiesGovernment Debentures
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📍 Paul Melling Retirement Planning Building, 1/486 Lower Heidelberg Rd, Heidelberg VIC 3084
ExperienceSince 2003 (23 years)Registration #000234711Postcode3084
Graduate Diploma in Applied Finance and InvestmentMaster of Applied FinanceCFA CharterholderMaster of Banking and Finance Law
SuperannuationLife InvestmentSecurities
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📍 Unit 2/81 Burgundy St, Heidelberg VIC 3084
ExperienceSince 2004 (22 years)Registration #000277135Postcode3084
Graduate Diploma in Applied Finance and Investment
SuperannuationLife InsuranceLife InvestmentSecuritiesGovernment Debentures
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📍 Australia, New South Wales, Sydney, Market St, Suite 4, Level 24
ExperienceSince 2004 (22 years)Registration #001003966Postcode3084
Bachelor of CommerceCertified Practising AccountantDiploma of Financial PlanningDiploma of Financial Services (Financial Planning)
SuperannuationLife InsuranceLife InvestmentSecuritiesGovernment Debentures
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📍 Paul Melling Retirement Planning Building, 1/486 Lower Heidelberg Rd, Heidelberg VIC 3084
ExperienceSince 2004 (22 years)Registration #001002766Postcode3084
Advanced Diploma of Financial Services (Financial Planning)Ethics and Professionalism in Financial AdviceClient Engagement SkillsGraduate Diploma of Financial Planning
SuperannuationLife InsuranceLife InvestmentSecuritiesGovernment Debentures
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📍 Paul Melling Retirement Planning Building, 1/486 Lower Heidelberg Rd, Heidelberg VIC 3084
ExperienceSince 2011 (15 years)Registration #001004161Postcode3084
Diploma of Financial Services (Financial Planning)Advanced Diploma of Financial PlanningEthics & Professionalism in Financial AdviceGraduate Diploma of Financial Planning
SuperannuationLife InsuranceLife InvestmentSecuritiesGovernment Debentures
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📍 Paul Melling Retirement Planning Building, 1/486 Lower Heidelberg Rd, Heidelberg VIC 3084
ExperienceSince 2013 (13 years)Registration #001006852Postcode3084
Bachelor of LawsGraduate Diploma in financial planning
SuperannuationLife Investment
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📍 29-33 Palmerston Cres, South Melbourne VIC 3205
ExperienceSince 2016 (10 years)Registration #001242587Postcode3084
Bachelor of Commerce & AdministrationChartered Accountants ProgramFPC002B Ethics and Professionalism in Financial AdviceFPC007B Client Engagement Skills
Superannuation
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📍 29-33 Palmerston Cres, South Melbourne VIC 3205
ExperienceSince 2016 (10 years)Registration #001242585Postcode3084
Bachelor of CommerceChartered Accountants ProgramFPC002B Ethics and Professionalism in Financial AdviceFPC007B Client Engagement Skills
Superannuation
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Frequently asked questions
How do I verify a financial adviser is registered?
All registered financial advisers in Heidelberg, Victoria appear on ASIC's Financial Advisers Register at moneysmart.gov.au. Each entry shows the registration number, current authorisations, qualifications and any disciplinary history. Confirm the registration is 'Current' before engaging — checking is free and the register is updated by ASIC.
What's the difference between a financial adviser and a financial planner?
In Australia both terms refer to the same regulated role under ASIC. A 'financial planner' typically holds a Certified Financial Planner® designation through the Financial Planning Association. Both must be listed on the ASIC Financial Advisers Register and meet the same Best Interests Duty under the Corporations Act.
Are initial consultations with financial advisers free?
Most financial advisers in Heidelberg, Victoria offer a free initial consultation — typically 30–60 minutes — to discuss your goals and whether they can help. You do not pay anything until you receive and sign a Statement of Advice. Ongoing fees vary by adviser and the complexity of the advice.
What should I bring to a first meeting with a financial adviser?
Bring recent payslips, super statements, mortgage and loan balances, insurance policies, your will and superannuation beneficiary nominations, and a written list of goals. The adviser uses this to complete a fact-find. They cannot give personal advice without understanding your circumstances — incomplete information leads to generic, less useful recommendations.
Listings sourced from public government registers (ASIC, TPB). DecisionLab does not endorse any specific professional.
Always verify registration status directly with the relevant authority before engaging services.
Data is updated periodically and may not reflect the most current information.