Financial Planning

Have Confidence in Your Financial Future

Translating your priorities into a lifelong financial strategy can give you more confidence that you will achieve your goals. With your objectives as our guide, we develop an integrated financial plan that addresses every stage of life.

Maximise cash flow

Take back control of your finances

Explore wealth management strategies

Understand and leverage government legislation

Minimise your tax situation

Cope during market volatility

Get insured against risk

Pass your assets on as intended

Be set for a relaxing retirement

Low or average returns and paying too much in fees

Combining multiple super accounts

How to engage in retirement planning

Taking advantage of tax incentives and government contributions

Changing from "passive" to "active" fund management

Different investment strategies

How to use superannuation to minimise capital gains tax from investment properties


We have a dedicated service called “Fix My Super” designed to do exactly that – fix all your superannuation problems. We’ll make sure you’re on the right track and explore strategies for accelerating your super. The world of super legislation can be complex, but with our help, it doesn’t need to be.

Retirement Planning

Planning for retirement isn’t just about numbers; it’s envisioning the life you want when your income suddenly turns off. We understand that this can be the scariest time of your life. Our financial planners with create you a 10 year 60+ page goals based Retirement Plan that will show you exactly WHAT to DO, WHEN to DO IT and HOW to DO IT.


Your Retirement Plan will guide you through saving strategies, investment options, and pension considerations, ensuring you transition smoothly into this new phase. With our guidance and constant hand holding your golden years can truly shine.

Life Insurance & Income Protection

Life is unpredictable, but your financial security shouldn’t be. Our advisors assess your needs, ensuring you and your loved ones are covered against life’s uncertainties. From tailoring life insurance to devising income protection plans, we’re dedicated to shielding you from unforeseen financial burdens.

Business Structures

Every successful venture rests on a robust foundation. We assist in establishing the right business structure, considering growth, asset protection, and tax implications. Whether a sole trader, partnership, or corporation, our guidance positions your business for sustainability and success.

Estate Financial Planning

Ensuring your legacy and assets are directed as per your wishes is paramount. We delve into wills, trusts, and succession planning, ensuring your estate is seamlessly transitioned, minimising disputes, and maximising benefits for your loved ones.

Tax Efficient Strategies

Taxation doesn’t need to be daunting when you’ve got the right support. Our team formulates tax-efficient strategies such as utilizing superannuation contribution strategies to help minimise your income tax and capital gains tax associated with the sale of Investment Properties or a Small Business.


We are registered Tax (financial) Advisers with the Tax Practitioner Board, so we ensure full compliance, helping you to retain more of your hard-earned money.

Self-Managed Super Funds (SMSF)

An SMSF offers control over your retirement funds, but it comes with responsibility. Our experts guide you through the establishment, compliance, and strategic investment of SMSFs (such as Direct property), ensuring you reap the benefits while also managing the complexities.

Financial Hardship

During challenging times, financial stability can seem elusive. We provide support and strategies to navigate through hardship, assisting with debt restructuring, budgeting, and accessing early superannuation in certain situations. Your financial resilience is our priority.

The 5-star Google rated financial planners

Mick Carew
Mick Carew
11 out of 10
Yvette Reiser
Yvette Reiser
Cameron and his team go above and beyond to advise you on the best financial path to help you reach your goals.
Steve Savage
Steve Savage
When we turned to a financial advisor for assistance with superannuation we were impressed and delighted to have Cameron at Essential Planner make the choices we couldn't. Confidence is key and we have been very happy with his guidance to date.
Natalie Hue'ge de Serville
Natalie Hue'ge de Serville
Having Cameron as a financial planner has been a blessing, he has gone above and beyond to help my husband and I with our financial future. He answers questions after hours, which is a breath of fresh air when you really need answers quickly. If you are looking for a company to assist with your financial choices, THIS is the will not be disappointed. Don't wait, get in touch with Cameron now. Make your dreams for the future a reality.
Carl Searle
Carl Searle
Courteous, easy to understand and Cameron did exactly what he said he would. Pleasure to work with.
Julia Zielke
Julia Zielke
Cameron, Michelle and the team have been fantastic. I found changing super funds and moving to a financial advisor such a big decision. Cameron was so patient with me and answered ever single little question that I had. Cameron really knows his stuff is 100% dedicated to getting results for clients. Highly recommend.
Cameron Kelly has de-mystified the navigation moving from a locked down deferred superannuation fund to another fund with an allocated pension. He has provided high quality advice and expertise in allowing me to make confident and informed decisions about my financial future. Having an actively managed super fund allows me to take immediate advantage of market changes. Essential Planner staff are brilliant and very helpful with superb customer service with all enquiries, ensuring immediate follow up and resolution of issues that may arise. The package provided by Cameron through consultation meets our current and future financial needs. I strongly recommend that others consider Cameron Kelly and Essential Planner to manage their superannuation financial situation.
Megan Cleary
Megan Cleary
I’m happy to give a 5 star review for the service I’ve received from Essential Planner. Cameron and his team have been very easy to work with. Cameron was able to explain Super in a way that made sense and all my questions were answered very promptly. Each step of the journey has been well managed. I’m loving my new portfolio and financial advice package. I feel organised and in control of my future. I’d highly recommend Cameron and his team to help you get retirement ready.
Jason Payne
Jason Payne
I have found Cameron & the team very supportive when going through the process of getting to know me, and their help in setting up for my future. I look forward to achieving these goals with your expertise to guide me along the way. Thank you.

Get All Your Superannuation Problems Sorted

Book Your Worry-Free Retirement Analysis

Whether you’re dreaming of an early retirement, want to discuss strategies for maximising your Super, or just want to make sure your Super is on the right track, that’s what our “Worry-Free Retirement Analysis” is for. We can address all your needs and answer any questions you may have.