ABOUT US
A Local Approach to Financial Advice
Greybox Wealth is a financial planning and wealth management business based in Bendigo, supporting clients across regional Victoria, Melbourne, and interstate.
We operate as a deliberately focused practice, working with a select number of clients to ensure a consistent level of service and attention.
Our approach is structured and considered, bringing together advice across investments, superannuation, retirement, and personal protection to support your financial position over time.
How We Work
We work with clients on an ongoing basis, providing advice that evolves as circumstances change.
This includes regular reviews, ongoing portfolio oversight, and guidance across key financial decisions as they arise.
Advice is provided within a self-licensed structure, allowing flexibility in approach and independence in how recommendations are made.
Our Approach
Financial advice can often feel fragmented. Our role is to bring structure and clarity to your overall position.
Rather than focusing on individual products or short-term decisions, we consider how each part of your circumstances works together over time.
In practice, this involves balancing investments, income, risk, and longer-term planning to ensure your strategy remains appropriate as your circumstances evolve.
Different Approach to Advice
1. Why did you start Greybox Wealth?
We felt it was important to operate under our own AFSL, allowing us to focus on strategy rather than product. This also provides the flexibility to work with a range of providers, including industry funds that many clients are already familiar with.
2. How is your approach different?
We work with a smaller number of clients, allowing us to provide a consistent level of service and a more direct relationship. Advice is not transactional—it evolves alongside the client.
3. Why did Marty and Phil decide to work together?
We felt there was a strong alignment in how we approached advice, particularly around focusing on client outcomes and taking a long-term view.
We also bring different experience and perspectives, which allows for more considered decision-making. Importantly, we are comfortable challenging each other where needed, ensuring advice is well thought through and appropriate for the client.
What does a good advice relationship look like to you?
A structured and ongoing advice relationship, with clear communication and a focus on ensuring your financial position remains aligned over time
4. What’s important to know from a client’s perspective?
It’s important to feel comfortable asking your adviser difficult questions. At the end of the day, these decisions relate to your financial future, and having clarity around your position is essential
How We Work
We work with clients on an ongoing basis, providing advice that evolves as circumstances change.
This includes regular reviews, ongoing portfolio oversight, and guidance across key financial decisions as they arise.
Advice is provided within a self-licensed structure, allowing flexibility in approach and independence in how recommendations are made.
Our Approach
Financial advice can often feel fragmented. Our role is to bring structure and clarity to your overall position.
Rather than focusing on individual products or short-term decisions, we consider how each part of your circumstances works together over time.
In practice, this involves balancing investments, income, risk, and longer-term planning to ensure your strategy remains appropriate as your circumstances evolve.
Different Approach to Advice
Why did you start Greybox Wealth?
We felt it was important to operate under our own AFSL, allowing us to focus on strategy rather than product. This also provides the flexibility to work with a range of providers, including industry funds that many clients are already familiar with.
How is your approach different?
We work with a smaller number of clients, allowing us to provide a consistent level of service and a more direct relationship. Advice is not transactional—it evolves alongside the client.
Why did Marty and Phil decide to work together?
We felt there was a strong alignment in how we approached advice, particularly around focusing on client outcomes and taking a long-term view.
We also bring different experience and perspectives, which allows for more considered decision-making. Importantly, we are comfortable challenging each other where needed, ensuring advice is well thought through and appropriate for the client.
What does a good advice relationship look like to you?
A structured and ongoing advice relationship, with clear communication and a focus on ensuring your financial position remains aligned over time
What’s important to know from a client’s perspective?
It’s important to feel comfortable asking your adviser difficult questions. At the end of the day, these decisions relate to your financial future, and having clarity around your position is essential
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 Asustralia).
Phillip Monaghan
Director - Adv Dip FP
Phillip brings over 20 years of experience across advising and leadership roles within the financial services industry.
He has worked extensively with clients transitioning into retirement, with a focus on structuring superannuation, managing income streams, and integrating Centrelink considerations into broader retirement strategies.
Outside of work, Phil enjoys spending time with his family and caring for his horses.
Marty Southcombe
Director - BBus Adv Dip FS(SSA)
Marty has over 10 years of experience in financial services, with a background across banking, superannuation, and private advice.
His experience includes personal insurance advice, retirement planning, and ongoing portfolio management, working with clients across a range of financial stages.
Outside of work, Marty enjoys spending time with his young family and being part of the local community.
Meet Your Aged Care Financial Adviser
Phillip Monaghan
Phillip’s extensive experience in the financial services industry covers 20 + years across various advising and management roles.
Phillip has spent the majority of his advising career working with clients transitioning into retirement and utilising superannuation and Centrelink to maximise his clients retirement outcomes.
Outside of work, Phil can be found at home looking after his horses and spending time with his wife and two daughters.
Marty Southcombe
Marty has worked in the financial services industry for the past 10 years, starting with the Commonwealth Bank and moving into various other roles within the superannuation industry and the private sector.
Marty has had broad exposure to the financial advice industry. From providing advice on protection needs, to helping clients transition to retirement, and managing wealth portfolios on an ongoing basis.
Marty enjoys spending time with his young family or down at his local – The Golden Square Hotel.
