Helping Regional Victorians Retire with Confidence
Greybox Wealth is a local financial planning firm based in Bendigo, proudly serving communities across regional Victoria.
Retirement is one of the biggest financial decisions you’ll ever make — but most people don’t know if they’re really prepared. Am I saving enough? Will my super last? What happens with Centrelink? The rules are complex, and without clear advice, it’s easy to feel stuck or put off making decisions until it’s too late.
We specialise in retirement planning that’s practical, down-to-earth, and tailored to your circumstances — so you can look to the future with clarity and confidence.
Who We Are
We’re financial planners who live and work here in regional Victoria. Our approach is straightforward: clear advice, free from jargon, and always focused on what matters to you.
We know it’s not always convenient to travel, so we’re happy to come to you — whether you’re in town or on the farm.
Our role is simple: to give you the guidance you need to plan for a retirement that feels comfortable, secure, and true to the life you want.
WHY US
Why Choose Us?
Local &
Personal
We’re based in regional Victoria and happy to meet you where you are.
No-Obligation First Appointment
Your first meeting is free. It’s simply a conversation to see if we can help.
Tailored Retirement Strategies
Every plan is designed around your lifestyle, family, and goals.
Clear & Simple Advice
We explain your options in plain English so you can make decisions with confidence.
Meet our staff
Phil Monaghan
Director - Financial Adviser
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, defined benefit options (ESSS) and Centrelink to maximise his clients retirement outcomes.
Marty Southcombe
Director - Financial Adviser
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.
PROCESS
What We Can Help With
/01
Superannuation strategies
Are you making the most of your super?
/02
Transition-to-retirement planning
How soon could you cut back on work?
/03
Tax-effective investment options
Grow your wealth without paying more tax than you need to.
/04
Centrelink and pension advice
Understand what you’re entitled to and how to access it.
/05
Estate planning guidance
Make sure your wealth is passed on smoothly.
/06
Ongoing support
Life changes, and your retirement plan should change with it.
/07
Defined benefit schemes
Specialist guidance for complex superannuation arrangements.
TESTIMONIALS
What Our Clients Say
Ready to Start Planning Your Retirement?
Your first appointment is free and there’s no obligation. Let’s talk about your goals and see how we can help you take the next step toward a comfortable retirement.