Our Financial Planning Services Give You Clarity and Confidence
Get ethical advice that helps you make smart financial choices, reduce tax, and prepare for retirement with peace of mind.
You’re Smart, Yet Finance Can Still Feel Overwhelming.
Even high‑achieving professionals feel lost with complex super rules, investment options, and retirement projections.
If you’re worried about costly mistakes, missed tax breaks, or ethically questionable investments, you’re in the right place.
We translate complexity into clear, actionable steps so you can move forward confidently.
VivaEthical Empowers You To Make Informed, Values-Aligned Financial Choices
- Invest with Purpose, Grow with Pride - Invest in ethical, sustainable companies and feel proud your money supports real global progress.
- Gain Clarity, Confidence, and Control Over Your Finances - Understand every dollar's purpose with clear advice that boosts savings, reduces waste, and inspires action.
- Protect Your Future with Smart, Adaptable Strategies - Stay ahead of tax, super, and market changes with flexible plans tailored to your life.
- Secure Your Legacy and Look After Loved Ones - Preserve your wealth and values with forward-thinking estate planning and trusted, long-term financial guidance.
Our Values‑Based Financial Advice Covers Every Stage of Life
Ethical Investment Advice Reflects What Matters to You
Your investments should achieve two goals: strong long‑term growth and a positive impact on the world.
We apply rigorous ethical screens, excluding harmful industries and favouring businesses that drive social and environmental progress, so every dollar you invest reflects your values.
- Grow wealth while backing social and environmental progress.
- Avoid future threats by favouring sustainable businesses.
- Feel proud each time you view your ethically aligned portfolio.
- Track clear data showing real community and carbon benefits.
- Count on professionals who protect returns and the planet.
Getting organised financially shouldn’t be overwhelming or time‑consuming.
Financial Planning and Prioritisation Puts You in Control
We use our proven financial planning services framework to turn scattered bank accounts, competing priorities, and uncertain goals into a clear, step‑by‑step roadmap you can take action with confidence.
- Gain complete clarity on where every dollar goes and why.
- Free up surplus cash to accelerate investing or debt reduction.
- Enjoy peace of mind knowing tax, super, and insurance are optimised.
- Move forward with a personalised action list instead of generic tips.
- Trust value‑aligned advice backed by Australian regulations.
- Plan ahead to protect loved ones and manage your legacy with care.
Superannuation Strategies: Unlock the Full Power of Your Compulsory Savings
Super is likely to become your largest financial asset after your home, yet many Australians leave it on autopilot.
As your dedicated superannuation financial advisor, we cut through complicated rules and fine print so every contribution, investment choice, and insurance setting works harder for you and the planet.
- Accelerate retirement savings without sacrificing everyday cash flow.
- Reduce hidden fees and unnecessary insurance premiums.
- Align super investments with causes you care about.
- Gain peace of mind knowing your super is proactively managed as legislation changes.
- Retire earlier or retire with more, because your super has been working smarter, ethically, and tax‑effectively.
Retirement Planning Makes Your Next Chapter Secure
Retirement shouldn’t feel like a guessing game. With a retirement financial planner who understands your goals, we map out every dollar, entitlement, and contingency so you can step into life after work with certainty.
- Replace payday anxiety with a dependable, inflation‑adjusted income plan.
- Avoid costly tax traps and social security missteps using expert guidance.
- Enjoy peace of mind knowing rising health‑care costs are accounted for.
- Preserve wealth for heirs or charitable causes through smart estate planning.
- Gain a trusted financial adviser for retirees who adapts your strategy as legislation, markets, and personal goals evolve.
A Smarter Way to Build Your Financial Future
1
Book a Free Quick Chat
Start with a no-obligation call to see if we're the right fit and how I can help you achieve your financial goals.
2
Schedule your meeting time
This is THE core stage of the process, to find out about you and what you care about and life and financial goals and timeframes
3
RECEIVE YOUR PERSONALISED STRATEGY
Based on our conversation, we'll draft a tailored financial plan for your review, and we’ll go through it together and make sure it aligns with what matters to you.
4
IMPLEMENTATION OF THE STRATEGY
Once you have approved the strategy, I will help you set up the financial and investment structures that will support you to reach your goals.
Client Testimonials
"Elizabeth has empowered me with better financial advice. She was always able to explain things to me in a clear way. Through Elizabeth’s knowledge, experience and passion I feel very confident that the advice given was right for my needs. She is a highly ethical person with years of experience. A totally trustworthy adviser."
- Jude, 56 - 65 years, Caulfield North, VIC
"I didn’t think I could buy an apartment or understand my super, but I did. I feel more confident, in control of my finances and very positive."
- Sandy
"Great with the tax and helping us sort out how to buy our home. Couldn't have done it without her help."
- Paul and Linda
"Elizabeth gave me great advice on my current financial situation. She was sure to follow up and checked in, providing me with the care I needed."
- Brittany, under 35 years, Box Hill, VIC
"Hi Elizabeth, thanks again for taking me through this and for all the work you did to understand my needs and wants and prepare this plan of action for me."
- Lina
"Elizabeth gave me great advice on my current financial situation. She was sure to follow up and checked in, providing me with the care I needed."
- BN
“Elizabeth at Viva is great. Best adviser I've come across for ethical investing.”
- Conaill Keniry
“Elizabeth changed my life. She ‘made’ me go back to work!”
- Brenda
“Through Elizabeth’s knowledge, experience and passion I feel very confident that the advice given was right for my needs.”
- June M
“Just in case no one has told you today – you are amazing! You have made me feel excited of the future as I wasn’t in that great a place.”
- AC
Frequently Asked Questions
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We dig into your entire financial picture, cash flow, tax, super, investments, and goals, then give tailored, values‑aligned recommendations. Online tips are broad; our advice is specific, actionable, and designed around you.
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No. We work with professionals at many stages, from early‑career high earners to pre‑retirees consolidating wealth. What matters most is your willingness to engage and act on strategic guidance.
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We quote a fixed fee before any work begins, so you know the cost upfront. There are no commissions on products we recommend, maintaining full objectivity and trust.
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We use independent research and impact data, never marketing claims, to vet funds and companies. Every holding must meet our strict environmental, social, and governance criteria before it earns a place in your portfolio.
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We schedule formal reviews at least annually, with quarterly check‑ins for key milestones or market changes. You can also reach out anytime you have a question or life event that needs attention.
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Tax touches every decision, from salary packaging to super contributions and retirement drawdowns. We integrate tailored tax strategies so you keep more of what you earn and grow wealth faster.
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We compare funds, reduce fees, and ensure your super is invested in line with your risk tolerance and ethics. Ongoing monitoring saves you time and safeguards your biggest retirement asset.
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We track Australian tax and super reforms daily, attend industry briefings, and review every client plan against new rules. You can relax knowing your strategy always complies and takes advantage of fresh opportunities.
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We tailor portfolios using a mix of diversified managed funds, ETFs, and direct shares where appropriate. The goal is to balance risk, cost, ethical alignment, and long‑term performance.