10+ Years
Experience
5-Star Rated
Advisers
Melbourne &
Bayside Locals
Looking for a Financial Adviser in Brighton?
Brighton is one of Melbourne’s most affluent suburbs and is home to many high-net-worth families, established professionals and wealthy business owners. Because of high property prices and strong retiree presence, many locals reach a point where their focus shifts from growth to structure and protecting their hard-earned assets.
This is where working with a financial adviser or financial planner in Brighton can help. Exiting from business and preparing for retirement requires a clear strategy and a realistic timeline, guided by an experienced retirement planner in Brighton. Vista will provide clarity on these complex matters. We take the time to understand your goals and ensure all aspects of your financial well-being align with your lifestyle.
Why Brighton Residents Choose Vista Financial Group
1. Outcomes
Vista is a leading financial adviser in Brighton, based locally in Beaumaris, offering retirement planning Brighton residents trust for clarity and confidence to retire. We help clients identify new income streams and optimise their assets to support their lifestyle with measurable results.
1. Boutique Experience
Every client’s situation is different, particularly in a suburb like Brighton with many high-achieving individuals. Clients appreciate our retirement strategies that are tailored to their needs, providing the confidence to retire comfortably.
1. Long-Term Partnership
As experienced retirement planners in Brighton, Vista supports clients through every stage of life, from pre-retirement strategies to managing income streams. We take the time to understand your unique situation, and our long-term approach means your plan can adapt as your priorities and life change.
What Our Clients Say
Hear from Brighton residents who have secured their financial future with Vista Financial Group.
Common Questions About Financial Advice in Brighton:
How do I find a trusted financial adviser in Brighton?
When searching for a financial adviser in Brighton, it’s important to confirm they are on the ASIC Financial Advisers Register and hold all relevant qualifications. Checking Google Reviews is a strong starting point to see what Brighton clients say about a company. Vista holds over 80 5-star reviews from clients who trust us to deliver clear plans that allow them to enjoy the next stage of their lives.
As a local Bayside firm and Authorised Representative of Count Financial Limited (AFSL 227232), Vista offers a relationship-driven approach that gives clients confidence.
What does a financial adviser in Brighton actually do for retirement planning?
We help you figure out where you are now, where you want to be, and the steps needed to get there. That involves a holistic look at your super, tax, investments, Centrelink, cash flow and building a strategy that makes sense. A retirement planner in Brighton helps you turn your assets into a structured, sustainable retirement plan.
Our retirement planning for Brighton locals focuses on real-life outcomes, assisting high-net-worth clients or business owners to maintain the lifestyle they’ve worked hard to achieve throughout retirement.
How much does financial advice cost in Brighton?
The cost of working with a financial advisor in Brighton depends on the scope and complexity of your situation and the advice required. It’s best to directly contact financial advisers to discuss your needs and receive a tailored quote.
At Vista, advice is always given on an individual basis rather than a one-size-fits-all approach. We have a transparent approach to ensure our financial planning services in Brighton are tailored to your exact situation.
What is a self-managed super fund (SMSF)?
An SMSF is a private super fund you run yourself with up to six members. It gives you greater control over where the money is invested, including direct property, shares and other assets. The trade-off is responsibility: you’re the trustee so compliance and administration falls on you. For high-net-worth individuals in Brighton, it can be an effective strategy.
A financial adviser in Brighton can help determine whether an SMSF is appropriate for your circumstances. Book a conversation with Vista to discuss whether it’s right for you.
How does the downsizer contribution work?
If you’re 55 or older, you may be eligible to contribute up to $300,000 from the sale of your home into your superannuation. Considering Brighton property prices are among the highest in Melbourne, the downsizer contribution can be a powerful way to make a large contribution into your super.
There are several eligibility requirements, including:
- The contribution must be made within 90 days of receiving settlement proceeds
- The contribution only applies to a single home
- You must have owned the property for at least 10 years
What is death tax?
While a death tax doesn’t exist in Australia, superannuation paid to non-dependents after you die can be taxed at up to 17%. These taxes are an important consideration for families that expect to pass on considerable wealth and can be a surprise to adult children.
A financial planner in Brighton can help structure your super and estate planning arrangements to minimise unnecessary tax. Unless the beneficiary is a dependent under tax law, such as a spouse or child under 18, taxes will apply.
Will my kids pay tax on my super?
Whether your children pay tax on your super depends on whether they’re considered dependent under tax law. Non-dependent beneficiaries, such as adult children, can be taxed at up to 17% if they receive a lump sum after you die.
Considering many Brighton clients have substantial superannuation balances, knowing how to best reduce unnecessary superannuation tax is essential for effective financial planning in Brighton. We ensure that your balance is structured so your family receives the best outcome.
Do I pay stamp duty if I downsize?
Stamp duty depends on your circumstances and the property value. There are concessions for Victorian pensioners, including an exemption on homes worth up to $330,000, and a discount on properties worth up to $750,000. A Vista financial adviser in Brighton can help you assess the financial impact of downsizing, including tax implications and whether it supports your broader retirement strategy.
Ready to Talk?
Whether you're planning for retirement, managing investments, or need guidance on your financial future, we're here to help.
Get in touch with the Vista team today to start a conversation about your goals.
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