Personal Finances

Tailored financial guidance for every stage of life

At McMillans, we understand that financial peace of mind doesn’t come from guesswork—it comes from having a clear, personalised plan. Whether you’re just starting your career, planning for a family, buying your first home, or preparing for retirement, we’re here to support you with expert advice that helps you build and protect your wealth.

Our team of experienced advisors works with individuals and families across Gippsland and beyond to simplify decision-making and help you feel confident about your financial future.

How we can help

Budgeting and cash flow management: Take control of your day-to-day finances with a customised budget, spending analysis, and practical tips to help you save more, spend wisely, and build better habits.

Debt management: From personal loans to credit cards and home loans, we can help you review your current debts and develop a strategy to reduce repayments faster and more efficiently.

Savings and wealth creation: Start setting aside money for what matters—whether it’s a home deposit, a holiday, or long-term investment goals. We’ll help you structure a plan to build savings consistently over time.

Home ownership planning: Looking to buy your first home or upgrade? We’ll guide you through your options, including saving for a deposit, understanding lending criteria, and choosing the right ownership structure.

Investment advice: Grow your money with smart, tailored investment strategies that suit your risk tolerance, timeline, and financial goals. We can help you explore managed funds, direct shares, property, and more.

Insurance and income protection: Your ability to earn an income is your greatest asset. We’ll help you protect it through the right mix of personal insurances—so if the unexpected happens, your lifestyle doesn’t have to suffer.

Superannuation planning: Make your super work harder. From fund comparisons to contribution strategies, we ensure your retirement savings are on the right track.

Estate and legacy planning: Ensure your wishes are respected and your family is looked after. We help you integrate estate planning into your broader financial strategy—including Wills, Powers of Attorney, and asset structuring.

Why choose McMillans?

Local expertise with national reach
Transparent, honest, and personalised advice
Proven strategies for building long-term financial strength
Friendly team who understands your goals and values

Let’s take the first step together

Whether you’re looking to fix your finances, grow your wealth, or simply gain clarity about your options, McMillans is here to help. Book a no-obligation consultation with our personal finance team in Traralgon today.

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