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



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.

Targeted Strategic Advice To Suit Your Circumstances

While debt is 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.

Our Approach

  • Analyse the management of your mortgage and other loans
  • Ensure appropriate debt structures are in line with your goals and objectives
  • Advise on appropriate loan types that suit your objectives
  • Advise on how 'good' debt can be used to increase your wealth
  • Provide debt reviews

Debt Consolidation

  • Involves combining all your debts into one loan facility

Benefits of debt consolidation

  • One loan with only one repayment
  • A lower interest rate
  • Dealing with only one leader
  • Getting in control of your debts
  • Lower repayments
  • Reduced fees

Please speak to a credit specialist before making any decisions regarding any credit products.

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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, while 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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