30+ Years of Combined Financial Expertise
We deliver personalised financial advice backed by extensive industry experience, enabling clients to make informed decisions with a disciplined, long-term perspective.
Personalised Approach
Based in Bendigo, we focus on delivering genuine value through personalised advice. We take the time to understand your situation and develop practical strategies designed to help you move forward with confidence and achieve your financial goals.
Licensed by
Design
Holding our own Australian Financial Services Licence means we maintain full responsibility for the advice we provide and the standards we uphold. This structure allows us to focus on strategies that are genuinely appropriate for you, guided by care, accountability and long-term thinking.
Direct Access to Decision-Makers
You work directly with the business owners, whose names stand behind every piece of advice we provide. This level of personal accountability ensures your strategy is developed with care, consistency and a genuine commitment to your long-term success.
Built for Long-Term Partnerships
Financial planning isn’t a one-off conversation. We build long-term relationships, regularly reviewing and refining your strategy as your life evolves. Through clear communication and ongoing guidance, we help you stay informed and in control of your financial position
Trusted Advice. Real Relationships.
30 + Years of Experience
Drawing on over 30 years of combined experience, we help individuals and families navigate important financial decisions with structure and a long-term focus.
Independent & Self-Licensed
Our advice isn't tied to any banks or product providers. We focus on what’s right for you.
Highly Rated on Google
We’re proud of the positive feedback we receive from clients who value our advice.
Our Story
Greybox Wealth is a financial planning and wealth management business located in Bendigo, Regional Victoria.
We work with a clients who value personalised advice and a more considered approach. We intentionally maintain a focused client base so we can provide thoughtful guidance, clear communication and a high level of personal involvement, whether we are assisting with a one-off piece of advice or an ongoing relationship.
While we are based in Bendigo, we also work with clients across Regional Victoria and regularly travel throughout the region to meet with clients in person where appropriate.
Because we own and operate the business ourselves, the people you meet with are the same people responsible for your strategy and ongoing advice. That creates accountability, continuity and a more personal long-term relationship.
We also hold our own Australian Financial Services Licence (AFSL), allowing us to operate independently of dealer groups and product providers. This means our advice is shaped by your needs and objectives, with recommendations based on suitability and merit.
If you would like to explore whether we may be a good fit, we’d be happy to meet with you.
Strategic Financial Planning for Every Stage of Life
Retirement Planning
Bringing together your superannuation, investments, and income strategies to support a clear and sustainable retirement plan.
Wealth Management
A structured approach to managing your investments, aligned to your goals, timeframe, and overall financial position.
Superannuation
Guidance on contributions, investment options, and fund structure to ensure your superannuation remains appropriate over time
Age Care Planning
Support in navigating aged care options, costs, and financial decisions during a complex and often time-sensitive period.
Protection Strategies
Advice to ensure appropriate cover is in place to support your financial position in the event of illness, injury, or unexpected change.
Centrelink & Age Pension Advice
Helping you understand your entitlements and how Centrelink integrates with your broader financial position.
Supporting Long-Term Financial Security
Reach out today to arrange an inital appointment
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
Phillip has more than 20 years’ experience in the financial services industry, having worked across a range of advisory and management roles.
Throughout much of his advisory career, Phillip has specialised in helping clients transition into retirement, with a particular focus on structuring superannuation and Centrelink strategies to support stronger retirement outcomes.
Outside of work, Phil enjoys spending time at home with his wife and two daughters, and caring for his horses.
Marty Southcombe
Marty has worked in the financial services industry for more than 13 years, beginning his career at Commonwealth Bank before moving into a range of roles across superannuation and the broader private sector.
Over that time, he has developed broad experience across the advice profession, from assisting clients with personal insurance needs through to retirement planning and the ongoing management of wealth portfolios.
Outside of work, Marty enjoys spending time with his young family and relaxing at his local, The Golden Square Hotel.
Take the next step in organising your financial affairs.
We’ll assess your current position and identify opportunities to strengthen and improve it.
Why Choose Greybox Wealth
Transparent Advice
Our recommendations are clearly explained, and our fees are discussed upfront so that you can make informed decisions without any surprises.
Founder-Led Advice
You work directly with the adviser responsible for your strategy, ensuring consistency and accountability over time
Servicing Regional Victoria
We regularly travel throughout regional Victoria — including Shepparton, Echuca, Wangaratta, Kerang, Swan Hill and Mildura — to meet with our clients in person.
We are award-winning financial planners
Client happiness matters most
We focus on delivering measurable financial outcomes that improve your long-term financial security.
98%
Better Outcomes
Clear income planning for lasting security.
97%
Maximised Benefits
Structured strategies that strengthen your future.
Our Blogs
What the Proposed Super Tax Changes Mean for Australians
An overview for investors and retirees in Bendigo and regional
Why Global Conflicts Can Affect Your Superannuation
Financial Advice Insights for Bendigo Investors Recent headlines have highlighted
Super Savings Targets Are Rising – What It Means for Your Retirement Plan
Recent headlines suggest Australians may need tens of thousands more
Frequently Asked Questions
What does a financial adviser do?
A financial adviser provides strategic guidance to help you make informed decisions about your money, investments and long-term financial future. As the holder of our own Australian Financial Services Licence (AFSL), we are responsible for the advice we provide and the standards we uphold. This allows us to focus on strategies that are appropriate for your personal circumstances, goals and long-term interests — ensuring recommendations are shaped by thoughtful planning rather than external influence..
Do I need a financial adviser?
Many people seek advice when their financial situation becomes more complex or when making important decisions, such as approaching retirement, investing a lump sum, or reviewing their superannuation. Advice can help bring clarity and structure to these decisions.
How are fees structured?
Fees depend on the scope of advice and level of service required. This may include a one-off fee for initial advice and an ongoing fee for continued support. All fees are clearly outlined upfront.
Do you meet clients in person?
Yes. We are based in Bendigo and work with clients across regional Victoria and Melbourne, with the flexibility to meet face-to-face where it suits you. Where required, we also travel interstate to support our clients.
What areas of advice do you cover?
We provide advice across wealth management, retirement planning, superannuation, Centrelink, aged care, and personal insurance, ensuring your financial position is considered as a whole.