Transparent. Tailored. Trusted.

Investment Advice (wealth building)

Lump Sum Payments

Retirement Planning

Investment Advice (wealth building)

  • Building wealth via Shares, Managed Funds, Superannuation & Property


Lump Sum Payments

  • Inheritance, Redundancies, Insurance Payments, TAC Payments, Workcover Claims & Downsizer Contributions


Retirement Planning

  • Transition to Retirement, Account Based Pension, Annuities and Centrelink Advice




We empower our clients to build wealth and prepare for a comfortable retirement.

on their journey to financial security and wealth accumulation.

Barwon Financial Planning is non-bank aligned. This means that our financial advice is transparent and always tailored to meet the individual goals of each of our clients.

Our team of experienced financial planners specialises in comprehensive strategies that help individuals and families build wealth and prepare for a comfortable retirement.

Let’s help you to get the most from your money.

Barwon Financial Planning is a premier financial planning firm based in Geelong Victoria, dedicated to empowering clients on their journey to financial security and wealth accumulation. Our team of experienced financial planners specializes in comprehensive strategies tailored to help individuals and families build wealth and prepare for a comfortable retirement.

Our Services

  1. Wealth Building: We provide personalized financial strategies aimed at maximizing asset growth, optimizing investment portfolios, and enhancing overall financial well-being tailored to your specific goals.

  2. Retirement Planning: Our advisors are experts in retirement strategies including Superannuation, Transition to Retirement strategies Downsizer Contributions and maximising Centrelink entitlements. This ensuring that you not only meet their retirement goals but also enjoy a fulfilling lifestyle during their retirement years.

  3. Lump Sum Payment Advice: We offer specialized guidance for clients who receive significant lump sum payments, including:

    • Inheritances

    • Redundancies

    • Work cover payments

    • Insurance payouts

Our team will help clients make informed decisions about the best use of these funds to support long-term financial goals.


For Example: Downsizer Contribution: A Wealth-Boosting Strategy

One of the strategies we consider for clients nearing retirement who are perhaps wanting to move into a smaller home is the Downsizer Contribution. This allows individuals and their partners aged 55 and over to contribute up to $300,000 each from the sale of their family home into their superannuation fund.

Example Scenario:

Imagine a client, John and Sally, who sells his family home for $900,000. After paying off his mortgage and other expenses, they decide to use $600,000 for their next home purchase. However, they also choose to make a downsizer contribution of $300,000 into his superannuation.

Benefits for John and Sally:

  • Tax Advantages: The contribution is not subject to the usual contribution caps and may help reduce personal income tax.

  • Increased Retirement Savings: By bolstering their superannuation, John and Sally enhance their retirement wealth, providing greater financial security and flexibility in retirement.

  • Future Growth Potential: Investing in superannuation allows for potential growth through various investment options available within the fund, setting the stage for a more comfortable retirement.


Why Choose Us?

At Barwon Financial Planning we pride ourselves on our personalized approach to financial planning. Our knowledgeable team takes the time to understand each client’s unique situation, providing tailored advice that aligns with their goals. With our commitment to professionalism and proficiency, clients can feel confident that their financial future is in capable hands.


Contact Us

Ready to take control of your financial future? Contact Barwon Financial Planning today to schedule a consultation with one of our expert financial planners.