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Wealth creation advice — practical plans to build and protect your future

Values-based financial advice for families, professionals and retirees across Melbourne and regional Victoria. We’ll help you grow wealth with clear strategies for cash flow, investing, super and risk — in plain English.

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

Local team with 350+ years’ combined experience. AFSL/ACL details in footer.

Who is this for?

  • Families and “mums and dads” wanting a simple path to grow wealth
  • Accumulators building investments and managing risk
  • Pre-retirees wanting to maximise super and plan the next 5–10 years
  • Retirees who still invest and want their money working sensibly
  • Anyone who wants confidence, clarity and a plan they can stick to

What we help you solve

  • Not sure where your money goes each month — or how to invest it well
  • Super feels complex, and you’re unsure if you’re on track
  • You’re saving, but growth feels slow or unstructured
  • You want to build wealth while managing risk and protecting your family
  • You need a clear plan that aligns money with life goals

What you’ll get with EJM

  • A goals-led wealth plan: Clear targets and step-by-step actions
  • Cash flow and savings structure: Simple, sustainable systems that stick
  • Investment strategy: Diversified approach aligned to your goals and risk tolerance
  • Superannuation optimisation: Contributions, investment options and fees reviewed
  • Smart use of tax settings: Structuring and contribution strategies appropriate to your situation
  • Risk protection: Personal insurance advice to safeguard your plan
  • Ongoing reviews: Check-ins and adjustments as life changes
Personal advice is provided only after we understand your objectives, financial situation and needs.
 

How we work together

You’ll always understand the “why” and “how” before making decisions.

Step 1 - Complementary Intro Call

A no-cost, no-obligation chat to understand your goals and questions.

Book your complimentary intro call

Step 2 - Strategy & Plan

We gather the right information, map your goals and provide clear, tailored advice in plain English.

Step 3 - Implement & Review

We help you take action and review regularly to keep everything on track.

Our approach to building wealth

Goals first:

Goals first, products second: Your life goals lead; solutions follow.

Diversification and discipline:

Evidence-based, sensible investing — no speculation.

Time in the market:

A long-term mindset to ride out the ups and downs.

Keep fees in focus:

Sensible, transparent cost awareness.

Regular reviews:

Life changes — your plan should adjust with it.

Trusted by clients across Melbourne and regional Victoria

We support clients in Melbourne CBD, Geelong, Albury, Bendigo and Wangaratta.
 
Client Stories
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."

Super & SMSF FAQs

Do I need to be “wealthy” to start?

No. Many clients begin with simple steps and build from there. The key is clarity and consistency.

Can you help with super and investment choices?
Yes. We assess your situation and provide tailored advice across super and investments to align with your goals and risk tolerance.
Do you sell products?
Our advice is goals-led and documented. Any product recommendations only follow once we understand your objectives, financial situation and needs.
How often will we review my plan?
We agree a review rhythm upfront, and adjust as your life changes.
What happens in the intro call?
We’ll understand your situation and goals, explain how we work, and outline next steps. It’s a no-cost, no-obligation conversation.

Ready to build your plan?

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.

Book your complimentary intro call

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