About us

We help you understand your money and give you a plan to build the life you want,
so you can stop worrying about your future.

Who we are

Guidance Financial Services is a Melbourne financial planning firm specialising in retirement planning. We help clients answer three questions: Will I have enough to live the lifestyle I want? Can I retire when I want to? Am I making the right decisions now?

We don’t have investment products of our own to sell, and our fees don’t depend on where your money is invested. Our advice is focused on your goals and your circumstances.

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  • Advice that puts people before products

    Paul Benson spent 16 years at one of Australia’s largest banks. Over that time he saw how often financial advice was shaped by the products on offer, rather than by the needs of the person receiving it.

    In 2006 he founded Guidance Financial Services to do things differently. Twenty years on, that principle still guides every piece of advice we give.

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People usually come to us when they:

  • want to know when they can afford to retire

  • aren’t sure whether they’re on track

  • have decisions to make about super, investments or an inheritance

  • have had a change in circumstances and want to know where they now stand

How we work

  1. We start by understanding what you want from life, not only when you want to retire, but how you want to live along the way.

  2. We build a clear view of your financial position, including your super, investments, income and debt, and make sure everything is set up properly.

  3. We model how different decisions are likely to play out over time, so you can see their impact before you commit.

  4. We put the right plan in place and review it as your life changes.

Get to know how we think

Our team