Smart financial planning, made easy.
Based in Country Victoria, we’re all about financial planning that’s focused on you.
Smart financial planning, made easy.
Based in Country Victoria, we’re all about financial planning that’s focused on you.
ABOUT US
Our Story
Greybox Wealth is a financial planning and wealth management business located in Bendigo, Regional Victoria.
We are a small boutique firm that partners with clients where we can deliver substantial value. By narrowing our focus, we’re able to provide a personalised approach to the clients we work with.
As owner-operators of the business, we are directly involved in every client relationship. This means the people you meet with are the same people responsible for the advice, strategy and ongoing service you receive. Your outcomes matter to us personally, and we place a strong emphasis on long-term relationships, clear communication and advice that genuinely supports your goals.
We also hold our own Australian Financial Services Licence (AFSL). This allows us to operate independently, without influence from dealer groups or product providers. Our advice is driven solely by what is appropriate for you, giving us the flexibility to act in your best interests and recommend solutions based on merit, not alignment.
Let’s see if we can help you. Contact us now for an obligation-free, no-cost first appointment.
SERVICES
Services We Offer
01
Retirement Planning
Preparing for retirement involves establishing clear income goals for your post-work life and identifying the necessary steps to reach them, making it a vital process for securing your retirement.
02
Wealth Management
Wealth Management entails building and managing a diverse investment portfolio tailored to your individual requirements, ensuring your investments align with your financial objectives and aspirations.
03
Superannuation
Superannuation is a vital tool used to secure your retirement goals. Can you contribute to your super? What’s your current investment option? Are your fees acceptable? We’ll conduct a review to make sure your superannuation supports your stated goals.
05
Protection
Protection strategies guarantees financial security for both you and your loved ones in unforeseen circumstances such as accidents, illnesses, or loss of life, providing peace of mind for the future.
Staff
Meet Our Staff
Phil and Marty combine with over 30 years of experience within the financial services industry and are members of the FAAA (Financial Advice Association Australia).
Phillip Monaghan
Director - Adv Dip FP
Marty Southcombe
Director - BBus Adv Dip FS(SSA)
TESTIMONIALS
What Our Clients Say
WHY US
Why You Should Choose Us
Experience
Phil and Marty have over 30 years of experience within varies roles in the financial services industry.
Local
We're based in Central Victoria and travel throughout the countryside regularly. Prefer a phone or online appointment? We do that to!
Self-licensed
We're not aligned to any dealer groups or product providers, giving us freedom to provide customised advice that’s always in your best interest.
FAQ’s
Frequently Asked Questions
What services does Greybox Wealth offer?
Greybox Wealth provides comprehensive financial planning services, including retirement planning, wealth and investment management, superannuation reviews, Centrelink and Age Pension support, financial protection strategies, and guidance for aged-care planning. Our focus is on delivering clear, tailored advice to help you make confident long-term financial decisions
Is the first appointment really free?
Yes. Your first appointment with Greybox Wealth is completely free and obligation-free. This initial meeting allows us to understand your financial situation, answer your questions, and outline how our financial planning services may help you achieve your goals.
How do I know if I’m ready for retirement planning?
You’re ready for retirement planning when you want confidence about your financial future — whether that’s understanding your superannuation balance, planning your retirement income, assessing your Centrelink (Age Pension) entitlements, or preparing for aged-care needs. If you’re unsure what your next steps should be, Greybox Wealth can help you clarify your goals and build a retirement strategy that suits your situation.
Can Greybox Wealth help with Superannuation and Centrelink benefits?
Yes. Greybox Wealth provides detailed superannuation reviews to ensure your fund and investment options align with your retirement goals. We also assist with Centrelink and Age Pension guidance, helping you understand how your savings, assets, and income streams interact with Centrelink rules so you can maximise your entitlements with confidence.
Will your financial advice be tailored to my personal situation?
Absolutely. As a boutique financial planning firm, Greybox Wealth provides fully personalised advice designed around your individual goals, lifestyle, and financial circumstances. Whether it’s retirement planning, investment management, or financial protection strategies, we ensure every recommendation is tailored to what matters most to you.
IMPACT
Recent insights from us
Our Blogs
Industry Super Funds vs Tailored Portfolios: What’s the Real Difference?
When it comes to superannuation, many Australians take comfort in knowing their money is invested with a well-known industry fund. These funds are typically low cost, well regulated, and designed
Retirement Planning Lessons from 2025: What We’re Applying in 2026 for Our Clients in Bendigo and Regional Victoria
As we move into 2026, it’s a good time to reflect on what the past year taught us about retirement planning not in theory, but in practice. Throughout 2025, we
Payday Super: What It Means for Australians Going Forward
From 1 July 2026, Australia will move to a new system known as “payday super.” While it may sound like a small administrative tweak, this reform represents one of the