Realise Your Dream
- Realise Your Dream
IS TRANSITION TO RETIREMENT STILL VIABLE? As many readers will be aware, legally getting access to superannuation before retirement can be rather difficult. But, back in 2005 things were made just a little easier. Find out more


Our debt advice provides a clear and concise review of the management and structure of your debt components based on your lifestyle goals, both current and future.  While debt I often viewed in a negative light, if managed and used effectively, it can be the foundation on which to build and protect your wealth.  A review of the structure and management of your debt is fundamental to achieving your lifestyle goals.


As our lifestyles become more diverse, we are travelling, taking up new hobbies and learning new skills.  You may be close to the peak of your career, making the most of your income with fewer financial commitments and aiming for financial independence.  Now is the time to protect your income and lifestyle and to maximise your wealth, assets and tax effectiveness.  Management, preserving and increasing wealth through knowledge is an integral part of reaching your financial and lifestyle goals.  By working in partnership with you we strive to understand your goals for current and future generations and develop dynamic and personalised advice.

Pathway To Wealth

Building wealth through Property, Shares, Superannuation, Debt Management, Negative Gearing and more.  You and your partners are aged between 28-50 and/or have more than 10-15 years until retirement.  You already have a home, with some equity built up and are not sure what to do next.  You have the ability to commit to a regular savings plan of $150+ per week.  You are committed to financial success.


How long would you be able to sustain your lifestyle and pay your bills if you didn't have regular income?  When asked what is your most important asset many say their own home or their family.  The truth is that your ability to earn income is by far your own biggest asset.  How long would you be able to sustain your lifestyle and pay your bills if you didn't have your regular income?  Our role is to understand your financial and lifestyle goals, then build a plan to help you protect your family and assets using sound financial strategies.


Superannuation is still one of the most tax effective ways to save for your retirement.  Strategies to boost your superannuation can help develop a financial plan specifically designed to suit your needs and goals, making sure that your investment and protection arrangements for your family are appropriate to your individual situation.  Your Superannuation is vital for providing an adequate income in retirement.  however, with compulsory employer contributions at a small percentage of your salary, you may need to contribute extra in order to live the life you want in retirement.

Start Up

Whether you are single or married, with or without children, it makes good financial sense to give yourself the best start. You may be well established in your career and might even be doing further study. But over the years you may have accumulated commitments which require money. You may have already taken out a home loan or thinking of doing so, or you may simply be wondering how you can better organise your finances so you have more freedom and life choices.

Wealth Builders

you are stating to make major financial and personal life decisions and your circumstances are becoming more complex.  You might want to renovate your home, pay for the children's education, enjoy an amazing holiday or build your investment portfolio.  Now is the time to look at ways of accelerating your path to increased wealth and diversifying your investments.  You have probably got on top of a lot of responsibilities in life and might be looking to make more lifestyle choices for yourself.  Effective financial planning can enable you to look forward to and enjoy your current and future lifestyle.  Do you get the feeling that your money could be working harder, but don't know what to do about it?  It's about making the most of what you have.




What our clients say...
  • "One word - Trust. I know how to make money, but accounting and financial planning is foreign to me so I've had to rely on people who I trust to look after my money. I've been working with Ross now for over 20 years as an accounting client, and when my financial planner retired it was an easy transition to Andrew, particularly because of his age. Andrew is young, serious, experienced and he is a long-term thinker. There is unbridled trust both ways working with Andrew. - Read more
    - Wayne Nicholson, First National Real Estate
  • "Andrew Westcott stands out from the crowd. When there were a few challenges with an insurance matter, he went to enormous lengths to find a solution. Not only that, he is a genuinely good bloke, and he is supported by a great team at M Financial Services. I trust, respect and highly recommend Andrew to anyone needing financial expertise at any point in their life." - Read more
    - Ryan Boccalatte
  • Andrew looks after us as if we were his only clients, even though we know we are not. He is generous with his time, easy to talk to, he clarifies issues in simple terms and talks to us in a friendly and professional way. Andrew helped us make the big decisions involved in our retirement, and has never given me the impression that as a female my views are not important in any conversation or decisions making process and this is important to me. Both Don and I feel important and valued by Andrew and the staff at M Financial Services, and that has helped us feel safe and secure in our financial future. - Read more
    - Don and Gayle Zahner
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