Financial Planning Services

Your goals. Our expertise. A life well planned.

At McMillans, financial planning is more than just numbers—it’s about understanding your aspirations and guiding you with a personalised strategy to help achieve the life you envision.

Whether you're planning for retirement, growing your wealth, or protecting your family’s future, we tailor advice to your unique situation. Our goal is to help you make informed decisions with clarity and confidence.

What we offer

We provide comprehensive financial planning services to individuals and families across Gippsland and beyond:

Investments – Build a portfolio aligned with your goals and risk comfort
Financial plans – Detailed, personalised strategies to map your financial future
Portfolio reviews – Regular reviews to ensure your investments stay on track
Superannuation and rollovers – Make the most of your super with smart contributions and consolidation strategies
Aged care planning – Navigate the financial side of aged care with confidence
Centrelink and government benefits – Maximise entitlements and support
Estate and succession planning – Ensure your assets are passed on as intended, in a tax-effective manner
Personal insurance – Protect what matters with tailored life, TPD, trauma, and income protection cover
Self-Managed Super Funds (SMSFs) – Set up, manage, and optimise your own super fund
Wealth creation – Grow your assets through smart financial choices and ongoing support

Why choose McMillans for financial planning?

Experienced, locally based advisors
Transparent advice that puts your interests first
Long-term relationships and regular reviews
Fully licensed (AFSL 239645) and trusted in the Gippsland community

Let's achieve your goals together

At McMillans, we help turn life goals into achievable financial milestones. No matter your stage of life or starting point, we’re here to guide you. Get in touch today.

Financial Planning services are provided by McMillan Financial Planning Pty Ltd – AFSL 239645.

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Helpful articles

Featured

How SMSFs can help you take control of your super (and what to watch out for)

If you’re considering taking control of your super or wondering whether an SMSF is right for you, this article breaks down the benefits, risks, and how to get started—without the jargon.

When should I start retirement planning? (hint: it’s sooner than you think)

This article gives clear, practical advice on when and how to start retirement planning—showing you how the right steps today can transform your financial future tomorrow.

What’s the difference between a managed fund and a model portfolio?

If you're torn between investing in a managed fund or a model portfolio, this article explains the key differences and helps you decide which option suits your goals and financial style.

How much super should I have at 30, 40, 50 and beyond?

If you're unsure whether your super balance is on track for retirement, this article provides age-based benchmarks and practical tips to help you grow your super and plan with confidence.

Should I set up a family trust for asset protection and tax planning?

If you’re wondering whether a family trust could help you protect your assets or reduce your tax bill, this article breaks down the benefits, risks, and when it’s the right strategy for you.

Why is estate planning so important — and where should I start?

Estate planning is about more than just having a Will—this article explains the essential documents, common traps, and how to protect your legacy and loved ones with clarity and confidence.

Can I still access Government benefits in retirement—even with savings?

You might be missing out on valuable government benefits in retirement—and this article shows how smart planning can unlock entitlements you didn’t think you qualified for.

Why should I invest and save into superannuation?

The decisions you make about superannuation today could be the key to a more comfortable, tax-effective retirement—and this article shows you exactly how to make them count.

How and where should I invest my money?

If you're ready to start investing but not sure where to begin, this article breaks down the key steps—so you can make smarter, more confident financial decisions from day one.

Are managed funds a good option for new investors?

If you want to start investing but don’t know where to begin, this article breaks down how managed funds offer an easy, low-stress way to grow your wealth with expert support and built-in diversification.

What is a model portfolio—and how can it help me invest in shares with confidence?

If you're curious about investing in shares but want expert support without giving up control, this article explains how a model portfolio can offer the perfect balance of guidance, simplicity, and ownership.

Can I use my super to buy property?

If you're curious about using your super to invest in property, this guide explains how it works, what the rules are, and how McMillans can help you do it the right way—without risking your retirement savings.

Is property investment really within reach for me?

Property investment might be more achievable than you think—and this article breaks down how to get started, what to consider, and how expert advice can help you invest wisely and confidently.

What is negative gearing – and is it right for you?

If you've ever wondered how borrowing to invest could reduce your tax bill, this article explains negative gearing in plain terms—so you can decide if it's a smart strategy for your financial future.

Do I really need an estate plan if I already have a will?

Having a will isn’t enough—this article explains why proper estate planning matters, what your will doesn’t cover, and how McMillans can help protect your family, your business, and your legacy.