Advice across every part of your financial life.

It's difficult to make progress towards bigger financial goals without first understanding what's happening with your day-to-day money.

We help you get a clear view of your income, spending and debt, then look at where changes could make the biggest difference, whether that's paying down debt, saving for a home, creating more room in your budget, or finding money that could go towards investments or other goals.

The aim isn't to make you account for every coffee. It's to help you use your money more deliberately.

What's involved

• Reviewing your income, expenses and existing debts
• Identifying opportunities to improve cashflow
• Developing a practical approach to managing and reducing debt
• Directing more of your money towards the things you're working towards

Superannuation is one of the largest assets many Australians will ever hold, and one of the easiest to leave on autopilot for a decade or more.

We review how your super is invested, what you are being charged, what insurance may be attached to it, and whether your contribution strategy suits your income and your stage of life.

Nithesh holds SMSF Specialist Adviser (SSA^®) accreditation, so we can also advise on whether a self-managed super fund is appropriate for your circumstances, including the responsibilities and costs involved, rather than assuming it is the right answer.

What's involved

• Reviewing your existing fund, investment options and fees
• Considering your contribution strategy within current caps and rules
• Checking any insurance held inside your super
• Consolidation. Looking at whether combining multiple accounts is appropriate for you.
• SMSF advice. Considering whether a self-managed fund suits your circumstances, and what it would involve.

Investing isn't about finding the next big thing. It's about making sensible decisions based on what you're investing for, how long you have, and how much risk you're comfortable taking.

We can help you build or review an investment strategy based on these factors, built on diversification and long-term thinking rather than short term trends.

Whether you're making your first investment or already have a portfolio, you'll understand what you're invested in, why it's been recommended, and how it fits into your wider financial plan.

What's involved

• Understanding your goals, timeframe and attitude towards risk
• Developing a diversified investment strategy
• Reviewing and monitoring your portfolio over time
• Explaining recommendations in clear, everyday language

We insure our homes and cars because we know they're expensive to replace. But your ability to earn an income can be one of your most valuable financial assets.

Personal insurance helps protect you and your family financially if illness, injury or death changes your circumstances.

We review what cover you already have, where there may be gaps, and what level of protection makes sense for you. The focus is on appropriate cover for your circumstances, not simply more insurance.

What's involved

• Reviewing your existing insurance
• Identifying potential gaps or unnecessary cover
• Considering the level and type of protection appropriate for your circumstances
• Reviewing your cover when your life or financial position changes

How your finances are structured affects how much tax you pay, and small structural differences can compound significantly over a working life.

We consider the tax implications of the financial strategies we recommend: how investments are held and in whose name, contribution and drawdown timing, the treatment of capital gains, and how your broader arrangements fit together.

This works alongside your accountant rather than replacing them. Where your situation calls for tax advice or a tax return, we will tell you plainly and refer you to the right professional.

What's involved

• Considering the tax implications of recommended financial strategies
• Looking at ownership and structure for investments you hold
• Reviewing timing of contributions, drawdowns and realised gains
• Working with your accountant. Coordinating advice so your financial plan and tax position stay consistent.
• Knowing the limits. Identifying where formal tax advice is required and referring you accordingly.

What would you actually like retirement to look like?

For some people, it's travelling. For others, it's helping their children, spending more time with family, or simply having the freedom to choose how they spend their time.

Once we understand what you're working towards, we can look at what it may cost and what you can do now to prepare for it.

At Infiniti Wealth, we help bring together your superannuation, investments, expected income and retirement goals, then develop a strategy for the years ahead.

What's involved

• Estimating how much income you may need in retirement
• Reviewing your superannuation strategy
• Planning investments around your retirement timeframe
• Reviewing risk as you get closer to retirement
• Adjusting the strategy as your circumstances or plans change

Building wealth is one task. Keeping it intact through illness, disputes, business difficulty or a change in family circumstances is a separate one.

Asset protection looks at how your assets are owned and insured, and where your current arrangements could leave you exposed.

We identify the financial considerations and the appropriate insurance cover, and work with your solicitor or accountant where legal structures such as trusts or company arrangements are involved.

What's involved

• Reviewing how your assets are currently owned and held
• Identifying where your current arrangements may leave you exposed
• Considering insurance cover appropriate to those risks
• Working with your professionals. Coordinating with your solicitor or accountant where legal structures are involved.
• Reviewing over time. Revisiting arrangements as your assets, family or business circumstances change.

Estate planning is about deciding what happens to your assets and financial affairs when you're incapacitated or when you're no longer here.

An Enduring Power of Attorney and a Will are an important part of that, but there can be other considerations too: beneficiaries, superannuation, ownership structures, and how your broader financial arrangements fit together.

We help you identify the financial considerations that need addressing, and work alongside the appropriate legal and tax professionals where specialist advice is required.

The goal is simple: make your wishes clear, and make things easier for the people you leave behind.

What's involved

• Reviewing your existing estate planning arrangements
• Considering beneficiaries and relevant financial structures
• Identifying areas that may require legal or tax advice
• Making sure your estate planning works alongside your broader financial plan

Your finances don't exist in isolation. Your income, investments, super, insurance, debt and future plans all affect each other. Financial planning brings those pieces together.

We start by understanding where you're at and what you want your money to help you achieve. That could be buying a home, supporting your family, building wealth, preparing for retirement, or simply feeling more organised and confident about your finances.

From there, we develop a plan with clear recommendations and practical next steps.

What's involved

• Getting to know you. We talk about your current situation, priorities and what you'd like to achieve.
• Research and recommendations. We look at your options and develop a strategy based on your circumstances.
• Making sense of the plan. We explain our recommendations clearly, including why we're recommending them.
• Putting it into action. If you decide to proceed, we help with the paperwork and implementation.
• Keeping it current. Regular reviews help keep your plan relevant as your circumstances and priorities change.