Embarking on your financial journey as a young adult can feel overwhelming, but having the right guidance makes all the difference.
As a financial advisor for young adults in Melbourne, and part of a team of experienced financial planners, we specialise in helping you navigate the complex world of personal finances while focusing on your unique situation and life goals.
From building savings accounts to creating an investment strategy, our goal is to set you on the path toward financial independence and long-term success.
Whether you’re managing student loans, planning to buy your first home, or saving for future wealth, we provide the tools and expertise to help you make informed financial decisions.
With our personalised approach, you can feel confident in achieving financial freedom and securing a brighter future.
Why Financial Planning Matters for Young Adults
Set the Foundation for Your Financial Life
For young adults, establishing a strong financial foundation is crucial to achieving long-term success. Navigating student loans and understanding your credit report are often among the first steps toward financial independence.
By managing these aspects wisely, you can improve your credit score, access better financial opportunities, and reduce financial stress in the future.
Building savings accounts and an emergency fund is another key element of a stable financial life. These accounts provide a safety net for unexpected expenses while also supporting your short-term goals.
Whether you’re saving for a vacation, education, or other personal goals, having a plan in place ensures you’re prepared for life’s uncertainties.
Making informed financial decisions is essential, especially when each person’s unique situation differs. With professional advice, you can determine the best investment strategy or decide how much money to allocate toward your savings goals versus other priorities.
Establishing good habits now will set you on a path to financial health and long-term financial security.
Top Concerns for Young Professionals and Gen Z
Managing personal finances and spending habits can be challenging, especially for young professionals and Gen Z navigating the early stages of their financial lives.
Understanding your cash flow and creating a budget are key steps to staying on top of your finances. These habits also enable you to save money while still enjoying the lifestyle you desire.
Purchasing your first home is often a significant milestone, and securing the best home loan is vital to making this dream a reality.
A financial advisor can guide you through the process, helping you compare interest rates, understand mortgage brokers’ roles, and make the most informed financial decisions for such a major commitment.
Another important focus for young people is starting an investment plan and building strong wealth management habits to secure their future wealth.
By identifying your risk tolerance and exploring investment options, you can create an investment portfolio tailored to your long-term objectives.
Starting early not only allows you to take advantage of compounding returns but also sets you on the path toward financial freedom and security.
What Makes Us Different From Other Financial Advisors
100% Independent Advice
We’re self-licensed and not tied to banks or product providers. Every recommendation is made with your best interests first.
Female-Led Perspective
Our female leadership brings empathy and understanding to your financial journey, combining expertise with a collaborative approach.
With decades of financial planning in Melbourne, we know the challenges young adults face from HECS debt to housing affordability.
You’re never treated like a number. We provide tailored strategies that evolve with your lifestyle, career, and family milestones.
We offer clear, flexible fee structures without commissions or hidden costs, so you always know exactly what you’re paying for.
We simplify complex financial concepts so you feel confident, informed, and in control of every decision you make.
What Are Clients Say About SFS
If you’re looking for an experienced financial planning team that’ll provide you with honest, actionable advice, try SFS. Kay Aarons, who heads up SFS, has been in the business for over 25 years and is one of the most experienced investor advisers I know.
So pleased with SFS Financial.
So professional and extremely knowledgeable. Always will to help with any questions. We have benefited greatly from their advice. Been clients for over 20 years.
A friend recommended SFS . After contacting them, I was assigned to financial advisor Peter Kenyon and have received excellent service and sound advice. Peter’s consultations are always thorough; he carefully explains my financial situation, makes adjustments as necessary to cater for my current needs as well as those required for my future financial wellbeing.
Comprehensive Support for All Life Stages
Strategic Guidance for Your Current Financial Situation
- Balance short- and long-term goals, from saving for a home deposit to planning for early retirement
- Manage cash flow with tailored debt management strategies to build long-term stability
- Navigate career moves, family milestones, and lifestyle changes with a clear financial plan
- Make the most of super funds and tax opportunities to grow your wealth
With tailored advice and ongoing support, you can move through life’s milestones with confidence, knowing your financial future is secure.
Planning for a Secure and Comfortable Retirement
Retirement may feel far away, but the earlier you start, the more freedom and security you create for your future. We help you build long-term wealth and peace of mind through smart, tailored strategies.
- Start early and grow faster with the power of compounding
- Boost retirement savings with tax-advantaged strategies and employer contributions
- Diversify your investments to balance growth and protection
- Protect your family’s future with life insurance and estate planning
With the right plan in place, you can look forward to a retirement that is not just financially secure but aligned with the lifestyle you want.
Building Trust Through Financial Literacy
We believe financial advice should empower you, not overwhelm you. That is why education is built into everything we do, giving you the tools and knowledge to make confident decisions.
- Understand your options clearly with simplified concepts like investing, superannuation, and risk tolerance
- Take control of your superannuation by maximising funds and employer contributions for long-term growth
- Track your progress with guidance on net worth, credit reports, and savings
- Build long-term confidence with ongoing education and support
With our transparent and supportive approach, financial literacy becomes a foundation for long-term success.
Tailored Financial Planning That Evolves With You
Your financial journey is unique, and it changes as life does. That is why we create personalised strategies that adapt to your goals at every stage.
- Protection when it matters with income protection and health insurance to safeguard your ability to earn
- Smart investing and investment planning for growth with tailored portfolios whether you are saving for a child’s education, building a business, or planning long-term wealth
- Savings aligned with your goals, from emergency funds to retirement planning
- Guidance through major milestones such as buying your first home, starting a young family, or planning for early retirement
With a flexible approach and ongoing support, we ensure your plan grows with you, giving you clarity, confidence, and control at every life stage.
Take the Next Steps Toward Financial Success
Ready to take control of your financial future?
Book a free consultation with our team of experts to create a personalised plan that fits your goals and lifestyle. As a trusted financial advisor for young adults in Melbourne, we’ll help you make smart decisions today that set you up for long-term success.
Don’t wait to start your journey toward financial freedom. Contact us today to explore how we can support you in building wealth, achieving independence, and creating lasting security.
