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
Retirement planning is about turning your savings into a sustainable and rewarding lifestyle. We assess your investments, income sources and future expenses to create a clear, realistic strategy — Helping you understand your retirement timing and how to maintain financial stability throughout later life
Wealth Management
Wealth management focuses on building and maintaining a well-structured investment portfolio aligned with your goals and tolerance to risk. Through thoughtful asset allocation, long-term strategy and ongoing reviews, we help ensure your investments remain appropriate as markets evolve and your circumstances change.
Superannuation
Superannuation plays a central role in long-term financial security. We review your fund structure, investment options, contributions and fees to ensure your super is positioned effectively — supporting your broader financial strategy and helping you work towards your retirement objectives.
Age Care Planning
Navigating aged care decisions can be complex and emotionally challenging. We help families understand accommodation costs, funding options and financial implications, providing clear guidance so important decisions can be made with confidence during what is often a difficult time..
Protection Strategies
Protecting your financial position is a key part of any well-considered plan. We assess potential risks to your income, assets and family’s wellbeing, and help you structure appropriate protection strategies to provide security and peace of mind for the future.
Centrelink & Age Pension Advice
Centrelink rules and Age Pension eligibility can be complex. We provide clear guidance on how your assets and income may impact your entitlements, and help you structure your finances thoughtfully. With the right planning, small decisions today can make a meaningful difference to your long-term retirement outcomes
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.
Fair Pricing
Our prices are based on the complexity of your requirements, but remain affordable. Our focus is on the long-term advantages that justify the cost of receiving financial advice.
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..
How much do you pay in financial advice?
The cost of advice depends on the complexity of your situation and the level of support you require. We are transparent about our fees and will clearly explain them before any work begins, so you understand exactly what you’re paying for and the value you receive in return..
Is the initial appointment really free?
Yes. Your initial consultation is complimentary.
It gives us the opportunity to understand your current position, discuss your goals, and determine whether our advice services are the right fit for you. Then you can make a decision about moving forward and receiving financial advice.
Can you go over my current investments or superannuation?
Absolutely. We can review your current superannuation, investments and overall strategy to assess performance, costs, risks and suitability. From there, we provide clear, practical guidance aligned with your long-term financial objectives.
Who will I talk to while I'm getting advice?
As a privately owned firm, you work directly with the advisers who lead the business. The person you speak with is the same professional responsible for your strategy, recommendations and ongoing guidance — ensuring consistency and accountability throughout your journey.