Get Clarity on Your Financial Future the Smarter Way
We help Australian's understand where they stand today, what to do next, and how to move forward with a clear plan, without the confusion, jargon, or second guessing.
WholeScaling
Rated 5/5 by 19+ Wealthy & Wise Clients
Trusted by
This is about you...
We get it. You have got a lot going on!
We get it. You have got a lot
going on!
Work, social life, family commitments, hobbies and the rest of it leaves little time for properly managing the financial aspects of your lifestyle or planning for the future.
We know that each person’s set of circumstances and goals for the future are unique, and need to be approached with care and understanding.
That’s where we come in.
Your Journey with Wealthy & Wise
in 3 Simple Steps
A structured process designed to help you understand your position, receive guidance tailored to your goals, and take action with support.
STEP 1
Understand Your Position
We’ll talk through your current position, goals, and what you want your next chapter to look like.
STEP 2
Establish Your Roadmap
We review the key parts of your financial world and provide written guidance aligned to your objectives.
STEP 3
Implement With Support
You leave with specific next steps and priorities, so you can take action without second guessing.
“Working with Oliver Heathwood to finalise my loan was an excellent experience.”
– Matt Skinnar • Client
Why You Feel Stuck
Here’s what usually happens when you’re trying to make smart financial decisions without a clear plan that fits your life.
PROBLEM 1
Financial Decisions Feel Overwhelming
Most people are not stuck because they do nothing, they’re stuck because it’s unclear what to do next.
PROBLEM 2
The Advice Is Too Generic
Most information out there is broad, conflicting, or not built for your situation, so it’s hard to know what applies and what to ignore.
PROBLEM 3
No Simple Roadmap Forward
You’ve got goals, but no clear steps or priorities, so decisions get delayed and momentum is hard to build.
Our Approach That Works
A simple, structured way to make sense of your money decisions, so you can move
forward with direction instead of doubt.
Wealthy & Wise Lifestyle Planning
We take your age, income, super balance, assets (including your home), debts, and goals into account, then shape a long term strategy that gives you clear direction.
A clear roadmap built from your full financial picture
Designed for working families who want structure without the noise
Clear priorities, so you spend less time overthinking and more time acting
Confidence through structure, not guesswork
Walk away with written guidance you can refer back to anytime
Key Inputs Considered
Long Term Roadmap
Strategy Focused
Confidence Through Structure
“Special call out to Josh for his exceptional professionalism, commitment, communication and customer service.”
– Aldo Travia • Client
Our Services
We help Aussies' make confident, informed decisions across super, property, lending, and tax.
Financial Advice
Helping you work towards your goals and the lifestyle you want, with advice that considers your income, super, assets, debts, and long term priorities.
Built for real life.
Property
Helping you make the most of your money through property advice, so your decisions are informed and aligned with your wider financial
plan.
Property advice with context.
Loans
Structuring your loans is a fundamental part of the financial planning process, helping your lending decisions support your cashflow and longer term goals.
Structure first, then strategy.
Tax & Accounting
Using your tax allowances and structuring your finances so you do not pay more tax than necessary, while keeping things organised & easy.
Stay organised year round.
Real Clients. Real Reviews.
Here’s what it’s like working with Wealthy & Wise, from the
people who’ve been through the process.
Here’s what it’s like working with Wealthy & Wise, from the people who’ve been through the process.
“Through meticulous diligence and understanding, Oliver from the Wealthy and Wise team ensured that my loan was refinanced efficiently and effectively.”
“With little time on my hands and minimal understanding of loan structures, Oliver made clear the process required and limited my involvement. I can safely say I have a confident understanding of my loan thanks to him!”
Amy Oxley
- Client
”I love this group of people! Both Scott and Oliver offer an incredibly personalised experience.”
“They truly care about my needs and have gone above and beyond to guide me through purchasing my first home and setting me up financially for the future. I would highly recommend this team!”
Lauren Richards
- Client
“We were very happy ....Oliver Heathwood from Wealthy and Wise was very professional and looked after us.”
“He always stayed in touch with us throughout the entire process, we had a very tight timeframe and he was excellent in keeping us updated and made sure we had all the information required to seal the deal. Thanks Oliver”
Rod Andersen
- Client
”Was an absolute pleasure working with Oliver and the team at Wealthy and Wise.”
“They are absolute professionals and I would happily refer them to my friends and colleagues. 10 out of 10 !”
Max Harris
- Client
”Was an absolute pleasure working with Oliver and the team at Wealthy and Wise.”
“They are absolute professionals and I would happily refer them to my friends and colleagues. 10 out of 10 !”
Max Harris
- Client
“My go to at Wealthy and Wise is Josh Baker...”
“Excellent Prompt efficient reliable and a really pleasant person to deal with. Well done”
Patti McDonald
- Client
“Special call out to Josh...”
“for his exceptional professionalism, commitment, communication and customer service.”
Aldo Travia
- Client
“Oliver and Josh have been amazing! ”
“Professional, and timely advice, and have gone above and beyond to help me realise a dream for me and my daughter of home ownership!! No mean feat in this tough economy at the moment. They listened to my goals, situation, and aspirations, and what was/is/will be most important to me and geared everything towards achieving these with me. Even when I changed my mind, they rolled with it and came up with another strategy to help me out. Sounding boards, great advice and so supportive- thanks fellas!”
Clare Chub
- Client
”With limited time in my personal life and moderate knowledge of finances I handed all my requirements over to Wealth & Wise.”
“Within 10 months of my first consultation I have purchased an apartment, invested my super in a higher yield fund & sorted my TPD insurance. With so many differing options from so many sources, I turned my trust over to Scott and company and am very happy results. I feel I have a financial plan for the future and no longer stress about all the things I have put off as they have all been dealt with. Oh - and they also do your yearly tax.Thank you!”
Peta Logan
- Client
“Working with Oliver Heathwood to finalize my loan was an excellent experience.”
“His professionalism and expertise ensured a seamless and efficient process. Oliver took the time to understand my financial goals and provided clear explanations of the various loan options available. He addressed my inquiries with patience and helped me make informed decisions. Throughout the loan finalization process, Oliver maintained open and prompt communication. He was proactive in handling the paperwork and kept me updated on the progress of my application. Oliver's knowledge, attention to detail, and commitment to customer satisfaction made the entire experience stress-free. I highly recommend Oliver Heathwood for his exceptional service in helping finalize my loan. He made the process easy and enjoyable, and his expertise gave me confidence in my decisions. Thank you, Oliver, for your outstanding support and guidance. Regards, Matt S”
Matt Skinnar
- Client
Plus many more...
Meet The Wealthy & Wise Team In Your Corner
Hi, we’re the team at Wealthy & Wise. We support Australians who want to make clear, confident financial decisions, without being weighed down by jargon, conflicting opinions, or generic advice that does not reflect their circumstances.
With over 30 years in financial planning, we have evolved into a Lifestyle Planning hub, bringing together financial advice, tax and accounting, property guidance, and lending support to create an integrated strategy.
Our role is to help you understand where you stand today, what your options mean in practical terms, and what a sensible plan could look like from here. Everything is delivered face to face and in writing, so you leave with real clarity, not just a conversation.
We take a structured, measured approach tailored to your situation, because sound financial planning should feel steady and manageable, not overwhelming.
Advice built around your full financial picture
Strategy across super, property, lending, and tax
Plain-English guidance, delivered face to face and in writing
Known for making complex decisions feel clear and manageable
“With limited time in my personal life and moderate knowledge of finances I handed all my requirements over to Wealth & Wise...”
— Peta Logan • Client
Curious? We Love That!
Our Knowledge Hub is a space to explore, ask better questions, and feel more at ease with your finances.
Join the Knowledge Hub
Sign up to the Wealthy & Wise Knowledge Hub for tips, insights, and resources to keep you informed between now and your call.
“I’d been trying to [achieve desired outcome] for months with no real progress. After using this, things finally started clicking—and within a few weeks, I was seeing real results. Simple, doable, and actually works.”
– [Name] • [Business or Role]
Super. Mortgages. Financial Independence. Made simple.
Start with clarity, then decide what makes sense for your situation.
The 5 Key Components of Financial Independence
A practical guide to financial independence, covering five key areas: getting started, compounding, managing risk, planning ahead, and protecting what you’ve built.
Digital download
Keys to De-Stressing a Mortgage
A practical E-book that outlines 7 simple ways to reduce the stress and uncertainty that can come with a mortgage. Designed to help you feel more in control.
Digital download
Everything You Need to Know About Super
A clear guide to superannuation, covering how it works, how it’s invested, insurance inside super, contribution options, and the role it can play in long term planning.
Digital download
Have a Question?
We've got you covered. Your question not here? Book a free no obligation call with us to go over the details.
What does Wealthy & Wise help with?
We help you make smarter financial decisions backed by a clear, personalised plan. Whether you’re looking to buy property, refinance, build wealth, optimise your super, protect your family with the right insurance, or plan for retirement, we bring it all together. The result? Clarity, confidence, and a strategy that fits your life.
Can you help with home loans and refinancing?
Absolutely. We assist with home loans, refinancing, first home buyer applications, and investment lending. We compare options across a wide panel of lenders and help you choose the loan that best suits your goals, whether that’s lowering your repayments, accessing equity, or structuring things properly for the future.
How do I know if I need financial advice?
If you’re thinking about buying property, refinancing, investing, improving your super, protecting your income or family, or planning for retirement, you’ll benefit from a clear plan. Even a single session can give you direction, remove the guesswork, and provide real peace of mind.
What happens after I book my free consultation?
We’ll have a relaxed conversation to understand where you’re at, what you want to achieve, and what might be holding you back. If we’re a good fit, we’ll map out the next steps and explain exactly how we can help. There’s no pressure and no obligation. It’s simply a chance to explore your options.
Is financial advice only for investing?
Not at all. Investing is just one piece of the puzzle. Good financial advice ties everything together: your cash flow, debts, superannuation, insurance, and long-term goals. That way, you’re making decisions as part of a bigger picture, not in isolation.
Can you help me plan for retirement even if it’s years away?
Definitely. In fact, the earlier you start, the more options you’ll have down the track. We’ll help you define what retirement looks like for you and build a realistic plan to get there with confidence.
How do I know if my super fund is any good?
We assess the things that actually matter: fees, investment performance, your chosen investment option, insurance held inside super, and whether the fund aligns with your goals and risk comfort. It’s common for people to be in a fund that’s costing them more than it should, and a quick review can make a real difference.
How can I grow my super faster?
There are several effective strategies, including reviewing your investment option, reducing unnecessary fees, and making additional contributions such as salary sacrifice. The right approach depends on your income, goals, and timeframe, which is exactly what we help you work through.
Want A Clearer Plan for Your Next Chapter? Let’s Have A Chat.
Book a quick chat and we’ll help you make sense of where you’re at and where you want to go.
WholeScaling
No pressure. Just real help to see if we’re a fit.
Wealthy & Wise Lifestyle Planning PTY LTD, ABN 74 622 374 501, trading as Wealthy & Wise, AR number 1259510, is an Authorised Representative of Lifestyle Asset Management Pty Ltd (Australian Financial Services Licence No. 288421).
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Offices
HQ Sydney
Level 35, One International Towers 100 Barangaroo Ave | Sydney NSW 2000
Gold Coast Office
21 Crombie Avenue, | Bundall, Gold Coast | QLD | 4217
Phone: 1300 226 271
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