Wealth Management
Wealth Management Advice
Wealth management involves constructing and overseeing a diversified portfolio tailored to your individual circumstances, ensuring your investments remain appropriate to your financial position over time.
- Portfolio construction and management
- Ongoing monitoring and rebalancing
- Investment selection and implementation
A Clear Approach to Managing Wealth
- Unsure how to structure investments efficiently
- Concerned about tax, risk, and market volatility
- Lacking a clear long-term wealth strategy
- Difficulty aligning wealth with life goals
At Greybox Wealth, we provide structured wealth management advice, helping you bring your investments, cash flow, and broader financial position together over time
Our Approach
Our Approach to Wealth Management
Managing and investing your wealth can be complex, particularly given the range of options and considerations involved
We work with you to understand your objectives, timeframes, and overall circumstances, helping you navigate the strategies and investment options available to you.
Ongoing advice provides a structured approach to managing your wealth over time. This includes regular portfolio reviews, consideration of new opportunities where appropriate, managing contributions and withdrawals, maintaining diversification, and ensuring your strategy remains aligned with your tolerance to risk.
Personalised Wealth Planning
Advice shaped around you—your goals, your lifestyle, and what you want your wealth to achieve over time.
Strategic Investment Management
A disciplined approach to managing your investments, aligned to your short-term priorities and long-term objectives.
Risk & Asset Diversification
A considered approach to managing risk, ensuring your investments are appropriately diversified and aligned to your overall strategy.
Tax-Effective Structuring
Structuring your investments with an awareness of tax, with ongoing reviews to ensure your arrangements remain appropriate as your circumstances evolve.
Ongoing Relationship and Advice
A consistent advice relationship, providing regular reviews and ongoing guidance to ensure your strategy remains aligned as your circumstances and the broader environment evolve.
Transparent Fees
A clear and straightforward fee structure, so you understand what you’re paying and what you receive in return.
What We Offer
Our Wealth Management Services
Personal Wealth Planning
Strategic investment planning designed to build a secure retirement corpus and generate sustainable income for your future lifestyle.
Investment Portfolio Management
Tax-Effective Wealth Strategies
Retirement & Wealth Alignment
Strategies designed to minimise tax liabilities while maximising your retirement income and cash flow.
Asset Structuring & Protection
Comprehensive strategies to safeguard your assets and secure your financial future against unexpected risks.
Ongoing Wealth Reviews
Careful planning to ensure your assets are distributed according to your wishes while protecting your family’s financial future.
Our Proven Wealth Management Process
01
Initial Consultation
We assess your current position, including your assets, income, objectives, and tolerance to risk, to understand your priorities and overall direction.
02
Scope & Quote
We outline the scope of advice and associated costs, before preparing a Statement of Advice (SoA) detailing your recommended strategy.
03
Strategy Development
We develop a considered wealth management strategy aligned to your objectives and personal circumstances.
04
Plan Presentation
We present your strategy and clearly explain the recommendations, associated risks, and relevant timeframes.
05
Implementation & Support
We implement your strategy and provide ongoing management, monitoring, and refinement as your circumstances and markets evolve.
Why Choose Greybox Wealth
- Self-licensed structure
- Regionally based in Bendigo
- Founder-led advice
- Client-Focused Approach
- Long-Term Investment Discipline
- Ongoing Advice & Portfolio Reviews
Meet Your Wealth Management 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.
SUCCESS STORIES
How We’ve Helped Clients Build and Manage Wealth
Pre-Retirement Planning
Couple, 58 & 60, planning to retire in 5 years
Before
Approaching retirement with significant superannuation and cash holdings, but unclear on whether they were on track to retire within five years or how their assets should be structured.
Strategy
Reviewed their superannuation and investments, implemented appropriate contribution strategies, and modelled their position to assess retirement readiness and future income needs.
Result
Provided clarity around their ability to retire within their desired timeframe, giving them confidence to move forward with their plans, including travelling around Australia.
Wealth Management
Large inhertience
Before
Recently inherited a significant sum and was holding the majority in cash, with limited structure around how it should be invested or used to support their family.
Strategy
Developed a diversified investment portfolio aligned to their objectives, with consideration to tax-effective structuring, balancing income generation with long-term growth and supporting ongoing withdrawals.
Result
Established a clear and structured portfolio that supports their desired lifestyle today, while providing confidence that their family’s future is well provided for.
Wealth Management
Successful business owner
Before
Had accumulated significant profits within their trading entity, with surplus funds largely sitting idle and not being invested in a structured way.
Strategy
Implemented an investment strategy within the appropriate structure, focusing on diversification, long-term growth, and consideration of tax and cash flow requirements
Result
Put surplus capital to work in a structured portfolio, improving the overall return on funds while maintaining flexibility to support both business and personal objectives over time
TESTIMONIALS
What Clients Say About Our Wealth Management Advice
Smart Wealth Management Insights
- Diversify assets to manage risk
- Align investments with long-term goals
- Review portfolios regularly
- Structure wealth tax-efficiently
- Protect wealth across life stages
What We Offer
Our Related Financial Services
Retirement Planning
Bringing together your superannuation, investments, and income strategies to support a clear and sustainable retirement plan.
Superannuation Advice
Guidance on contributions, investment options, and fund structure to ensure your superannuation remains appropriate over time.
Aged Care Financial Planning
Guidance on aged care costs, accommodation options, and financial considerations during what is often a complex and time-sensitive period.
Insurance Protection
Advice to ensure appropriate cover is in place to support your financial position if your circumstances change.
Centrelink Assistance
Guidance to help you understand your entitlements and how Centrelink integrates with your broader financial position.
Wealth Management FAQs
What does a wealth management adviser do?
A wealth management adviser works with you to structure and manage your financial position over time. This typically includes investment planning, portfolio management, and ongoing advice to ensure your strategy remains aligned with your goals, timeframe, and tolerance to risk.
They also provide guidance as your circumstances change, helping you make informed decisions around your investments, cash flow, and broader financial position.
Is wealth management only for high-net-worth individuals?
Wealth management is not limited to high-net-worth individuals. While it is often associated with larger portfolios, the underlying principles—such as structured investment management, long-term planning, and ongoing advice—can be relevant at a range of wealth levels.
The value of wealth management lies in having a clear, considered approach to managing your financial position over time, regardless of the starting point.
How is wealth management different from financial planning?
Wealth management is typically a component of broader financial planning, with a specific focus on managing and growing your investments over time. Financial planning may also include areas such as superannuation, retirement planning, insurance, and estate considerations, depending on your needs..
How are fees structured for wealth management advice?
Fees can vary depending on the scope of advice and level of ongoing service required. This may include a one-off fee for initial advice and an ongoing fee for continued support and portfolio management. A clear explanation of all fees is typically provided upfront so you understand the costs involved..
When should I seek wealth management advice?
It can be appropriate to seek wealth advice at a range of stages, particularly when you are making financial decisions that may have a long-term impact. This may include receiving an inheritance, approaching retirement, building or selling a business, or when your financial position becomes more complex.
More broadly, wealth advice can be valuable whenever you are looking for clarity, structure, or confidence in how your assets are managed over time.
Our Blogs
Budget 2026 Preview: What Proposed Tax Changes Could Mean for Retirement Planning
As we move closer to the 2026 Federal Budget, one
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
Arrange a Wealth Management Consultation
Begin with a clear and considered approach to managing your wealth, aligned to your financial position and circumstances.