Legacy Financial Planning provides personal financial advice under its own Australian Financial Services Licence — AFSL 519446 — from Richmond, Melbourne. Superannuation, personal insurance, estate planning and retirement strategy, integrated with your mortgage rather than managed in isolation.
Buying property is rarely a decision in isolation. It interacts with cashflow, super, life and income protection, and what you want for the next stage of life.
Most of our clients first come to Legacy for a home loan. Many stay because the bigger questions don’t go away after settlement: is my family protected if something happens to me? Is my super working as hard as my mortgage repayments? Should the next dollar go into the offset or into super?
Those are advice questions, and answering them properly is regulated work — which is why we hold our own AFSL rather than borrowing someone else’s. The mortgage side and the advice side of the practice sit at the same desk, so your loan structure and your financial plan are designed together.
Advice is provided by Adam O’Neill, Principal Financial Adviser, alongside the practice’s mortgage broking. You can read more about Adam on the About page.
Income protection, life cover, TPD and trauma — sized to your debt, income and family, so you’re neither under-insured nor paying for cover you don’t need.
Consolidation, contribution strategy, salary sacrifice versus extra repayments, fund suitability — and the First Home Super Saver Scheme for first home buyers.
Beneficiary nominations, super death benefits and the financial side of wills and legacy planning — working alongside your solicitor.
Making the day-to-day maths of property ownership work — budgeting structure, offset strategy and salary packaging where it genuinely helps.
Co-ordinating loan structure, super drawdown and income for the last decade of work — so the mortgage ends when the salary does.
Building wealth outside super — ownership structure, gearing and risk settings that fit your stage of life, not someone else’s model portfolio.
Most Australian financial advisers operate as authorised representatives of a large dealer group. Legacy Financial Planning is one of a comparatively small number of practices that holds its own Australian Financial Services Licence.
In practice, that means we choose our own approved product list rather than working from a head office menu, we set our own advice processes, and we answer directly to ASIC for every recommendation we make. There is no dealer group revenue target sitting behind the advice.
You don’t have to take our word for any of this — every adviser’s licence and history is public. We’ve written a plain-English explainer on what AFSL 519446 actually means and how to verify it on the ASIC Financial Advisers Register.
A free 45-minute conversation — your situation, your goals, your questions. We’ll tell you honestly whether advice is worth it for you.
We agree exactly what the advice will cover, and you get the fixed fee in writing before any work begins.
Clear recommendations and the reasoning behind them, in plain English — what to do, what it costs, what it changes.
We put the plan in place and review it as life changes — new home, new job, new family member, new rules.
A good plan isn’t a 60-page document. It’s knowing the next three financial decisions you’ll make, and why.— Adam O’Neill, Principal Financial Adviser
No. Mortgage broking and financial advice are separate engagements. But a large loan touches everything else — insurance to protect it, super contributions versus extra repayments, how the property fits your longer-term plan. If we see something worth looking at, we’ll say so, and you decide whether to take it further. There’s never an obligation.
Fees are agreed in writing before any work begins. After a free initial conversation, we scope exactly what the advice will cover and quote a fixed fee for it — no percentage-of-assets surprises, no product commissions driving recommendations. You’ll always know the cost before you commit.
Most financial advisers in Australia operate under a large dealer group’s licence. Legacy Financial Planning holds its own Australian Financial Services Licence (AFSL 519446), which means we choose our own approved product list, set our own advice standards, and are directly accountable to ASIC for every recommendation. You can verify the licence on the ASIC Financial Advisers Register — here’s how.
Yes. Scoped advice on a single topic — a super fund review, an insurance needs analysis, a contribution strategy — is common and often the right place to start. We agree the scope up front so you only pay for what you need.
Families, professionals and business owners across Melbourne’s inner suburbs — typically people somewhere between their first home and retirement who want their mortgage, super, insurance and investments working together rather than managed in isolation. We also work with clients Australia-wide by video.
Yes — a complimentary 45-minute conversation, in person in Richmond or by video. We’ll listen to where you’re at, answer your questions, and tell you honestly whether advice is worth it for your situation. No fee, no pressure, no obligation.
Financial product advice is provided by Legacy Financial Planning Pty Ltd — ABN 91 167 254 202 | AFSL 519446. Mortgage and finance broking is provided by Legacy Mortgage Group — Credit Representative Number 473493, authorised under Australian Credit Licence Number 389328. Information on this page is general in nature and does not take into account your objectives, financial situation or needs. Consider its appropriateness, and seek personal advice before acting.
