Creating happiness, one financial decision at a time.

We’ll help you make smart choices in super, retirement, wealth, insurance, and aged care, so life feels lighter and aligned with your goals.

Book in 60 seconds. We’ll contact you within 1 business day.

Our Financial Advice Services

Financial planning and wealth creation

Build wealth with a simple, sensible plan you can stick to, reviewed as life changes.

Superannuation and SMSFs

Make confident choices on contributions, investments and fees — including SMSF suitability.

Retirement planning & income strategies

Turn savings into a clear, sustainable income plan with pensions, drawdowns and Centrelink.

Personal insurances

Tailored Life, TPD, Income Protection and Trauma cover — advice, setup and claims support.

Aged care advice & funding decisions

Understand RAD/DAP and fees, home options and cash flow, with step‑by‑step guidance.

Cash Flow & Budgeting

A simple system to manage spending, grow savings and cut money stress — built for you.

Turn money overwhelm into a clear plan; make the most of super and investments; protect what matters; retire with confidence.

Book in 60 seconds. We’ll contact you within 1 business day.

The 7 Fatal Financial Planning Mistakes

ALL BABY BOOMERS MUST AVOID

Download our FREE E-BOOK

What happens next...

When it comes to your financial plan, you deserve a unique, personalised strategy to suit your every need.

That’s why we’ve developed a 3-step plan that ensures:

You receive a personalised plan that focuses on your goals.
You know the exact steps you need to take for success.
All the hard work is done for you, allowing you to focus on doing more of what you love.

Step 1 - Complementary Intro Call

No-cost, no obligation; understand your situation and goals; outline next steps

Step 2 - Strategy & Plan

Collect info & provide tailored personal advice in plain English

Step 3 - Implement & Review

We help you implement and adjust as life changes

A local, experienced team you can talk to

350+ years’ combined advice experience

Hundreds of happy clients

Locations servicing Melbourne and surrounds

Creating Happiness

Here at EJM Advice, we pride ourselves on ensuring that you, our client, achieve your life goals. They may be small or big, they may be short-term or long-term, and our only objective is to Create Happiness for you and your family.

Melissa Gundrill

"I'm incredibly grateful that my version of happiness was fully supported by the team at EJM."

Trish Zicari

"Thank you Manny and all the team at EJM. I feel like I’m part of your family"

Charlie & Gina Fenech

"We look forward to our continuing guidance and have absolute confidence in all the advice."

Mick & Patsy Andrews

"Manny has helped and advised us on many things over the years and his advice has always been right."

Geoffrey & Robyn Golightly

"We would have been lost in planning our retirement on our own."

Paul & Jayne Pozzan

"We will be forever grateful for the help and support that is available through EJM."

William & Kim Martin

"We met Ruby for the first time this year and we felt an instant connection with her."

Jonathan & Elise Pethybridge

"We commenced our journey with Brendan Cairns in 2011 when he started EJM in Wangaratta."

Louise van Iersel and Matthew Castanelli

"We greatly appreciate the care we have received from the team at EJM."

Colin & Paula Gething

"We found a firm that has and continues to have our best interests at heart."

Noela Langborne

"The best advice anyone has ever given me."

Ray & Lisa Borg

"Our journey with EJM has been a stress-free experience."

Tony & Mary Vespa

"Manny was always just a phone call away."

What our advice is — and isn’t

What it is

Personalised, goal-based advice
A clear plan across your full financial position
Strategy, implementation and ongoing support
Focused on long-term outcomes
Built around what matters to you

What it isn't

Generic or one-size-fits-all
Product-driven advice
A one-off conversation
Short-term market chasing
Guarantees or shortcuts

Information on this page is general in nature. Personal advice is provided only after we assess your situation.

Ready to talk?

Book your complimentary intro call now. No obligation — just a clear next step. Booking takes about 60 seconds. We’ll be in touch within 1 business day.

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