Super Contributions
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


A 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.

Targeted strategic advice to suit your circumstances

Managing, 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.

Understanding your goals is the key to success.

Our advice may cover the following:

  • Budgeting strategies
  • Management of household debt and cash flow
  • Personal, family and lifestyle protection
  • Borrowing to invest strategies
  • Education funding
  • Analyse strategies to grow your investment portfolio
  • Check your investment allocation against your risk profile
  • Estate planning strategies
  • Linking your current investment to your retirement strategies
  • Tax planning strategies
  • Facilitating UK Pension transfers
  • Retirement strategies
  • Complex investment strategies
  •  Maximising superannuation strategies
  • Self managed super funds
  • Maximising Centrelink entitlements
  • Ownership structures

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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
  • For approximately forty years, wile Ross Maclean acted as both accountant and friend, I've witnessed the addition of intelligent, hardworking people. Andrew Westcott became my financial adviser almost six years ago. Although honour is an old-fashioned notion, I have found Andrew to be honourable, as well as knowledgeable, helpful, and patient, when I really needed his help when my husband died and I didn't function for a few years. That's when you need someone who you can trust. I have recommended Andrew to several friends, and I recommend you consult Andrew if you need financial advice. - Read more
    - Roslyn Evans
  • 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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