A Little Bit About Us

At XO Financial Services, we specialize in providing tailored financial advice to help individuals in Melbourne secure their financial future. With a deep understanding of the complexities surrounding retirement planning and more general financial planning, we are dedicated to creating personalized strategies that ensure our clients enjoy a comfortable and stress-free life. Our approach is centered around understanding your unique goals, lifestyle, and financial situation. Whether you need guidance on superannuation, managing your investments, or navigating debt, our team offers expert advice designed to grow and protect your wealth. We pride ourselves on building long-lasting relationships, empowering you to make informed decisions and live the retirement you’ve always envisioned. With years of experience and a client-first philosophy, we’re here to provide peace of mind, clarity, and confidence in your financial journey.

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Our Process

Step 1

Initial Consultation & Discovery - During our first meeting, we take the time to get to know you—your goals, concerns, and current financial situation. This is where we discuss your retirement dreams, lifestyle needs, and any challenges you’re facing, allowing us to build a clear picture of your financial landscape.

Step 2

Tailored Strategy Development - After analyzing your unique circumstances, we design a personalized financial plan focused on achieving your specific goals. Whether it’s optimizing your superannuation, growing your investments, budgeting for all known costs, or managing debt, we craft a strategy that aligns with your risk tolerance and long-term objectives.

Step 3

Implementation of the Plan - Once you’re comfortable with the strategy, we help you implement the plan step by step. This may involve restructuring your investments, consolidating superannuation accounts, or setting up an SMSF. Our team will handle the details, ensuring everything is set up efficiently and in line with your preferences.

Step 4

Ongoing Review & Support - Financial planning is not a one-time process. We provide regular reviews to ensure your plan remains on track, adapting to any life changes, market conditions, or legislative updates. You’ll have ongoing support and access to expert advice as your financial journey evolves.

Frequently Asked Questions

If you've any questions that are not answered here - please get in contact with us.

Why should I work with a financial planner?

Working with a financial planner provides you with professional guidance tailored to your unique financial goals and needs. Our expertise can help you maximize your retirement savings, manage investments, reduce debt, and ensure your financial strategies align with your ideal lifestyle.

Is my financial plan customized for me and my situation?

We start with an in-depth consultation to understand your goals, risk tolerance, and financial situation. From there, we design a personalized strategy to address your specific needs, whether that involves superannuation, investments, or retirement income planning.

What if my financial situation changes?

We understand that life events and market conditions can impact your financial goals. Our ongoing review process allows us to regularly assess your plan and make necessary adjustments, ensuring you stay on track toward your objectives no matter what changes come your way.

How much will financial planning cost me?

We understand that everybody's situation is unique. As such, the solutions required differ greatly from person to person - and the cost can differ a little as well. The best choice for you would be to get in contact with us as soon as possible to allow us to work through your situation and provide you an estimate. No client will ever pay a fee until it can be shown that we can add value to their situation.

Is financial planning only for retirees?

While we specialize in working with pre-retirees and retirees, financial planning is beneficial at any stage of life. From early wealth accumulation to managing retirement income, we provide support and strategies to help clients achieve financial security at every milestone.

About us