Dream Grow Achieve

Income Solutions is a leading financial planning practice with offices in Geelong, Melbourne and Colac Book an Appointment
What We Do

Our Services

FINANCIAL
PLANNING
INVESTMENT
SUPER
ACCOUNTING
INSURANCE
RETIREMENT
WILLS
LOANS

Develop a plan through tailored
advice to meet your goals
and achieve financial security.

Wealth building strategies to create
a passive, tax-effective,
growing income stream for life.

Advice including Self-Managed Super Funds,Transition to Retirement Strategies,Salary Sacrifice and Super Contributions
programs.

Advice to minimise tax through deductions,
rebates and tax-effective wealth
creation strategies.

Protect your family against the impact of accident and illness through personal protection including Life Cover, TPD, Income Protection and Trauma insurance.

Maximise your lifestyle in retirement through Super Pensions, Annuities,income streams and Centrelink strategies.

Protect your Assets with an Estate Plan incorporating appropriate Wills, Powers of Attorney and Testamentary Trusts

Mortgages, Investment Loans, debt
recycling and gearing strategies to eliminate debt and free up cash flow

Clients work with us to create their personal financial plan; and with an ongoing relationship based on education, we continue to help them stay on track towards reaching their financial and lifestyle goals. Our main objective is to help our clients create a consistent and reliable, truly passive, tax-effective, and increasing income stream which is large enough for them to enjoy the lifestyle of their choice.

Our process

At Income Solutions we have a well researched four-step process which has been carefully designed to give you 100% of the knowledge and understanding you’ll need to make sound financial decisions.

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Information Evening

Designed to open your eyes to an exciting strategic way of thinking about your financial future, motivating you to achieve more.

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Right Fit Meeting

We’ll discuss why Income Solutions may be right for you, what you can expect from us and what we expect from you as a client.

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Discovering your Goals

By sharing your goals and dreams with us, we gain a clear picture of where you are now and where you want to be.

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Big picture Meeting

We’ll introduce you to a personalised strategy that has been specifically designed to reach your lifestyle goals.

Our Team

 
David Ramsay
 
Steven Nickelson
 
Jessica Hall
 
Gareth Daniels
 
Daniel Pante
 
Elise Ryan
 
Nick O’Hare
 
Kevin Tran
 
Kane Leersen
 
 
David Ramsay
 
Mason Angove
 
Alison Adams
 
Erica Fountain
 
Jason Broderick
 
Sue Ramsay
 
Jordan Ramsay
 
Anthony Amodeo
 
Tharaka Leeniyagoda
 
Daniel Harris
 
Andrew White
 
Jacqui Phillips
 
Ashley Irwin
 
Danny Archer
 
Josh Ramsay
 
Danni Brand
David Ramsay

David Ramsay

Founder / Principal Financial Planner

David is the Founder and Principal Financial Planner of Income Solutions. He is a Certified Financial Planner® with more than 25 years in the profession.
David built the business based on his strong belief that anyone can take control of their financial future and he is proud to have shared the journey with many of his long term clients.

Steven Nickelson

Steven Nickelson

Financial Planner

Steven started his career with Income Solutions 2006 in our Geelong office. Steven’s desire to move to Melbourne in 2008 was the driving force behind our decision to establish a Melbourne base where he now heads up the team. He has a Bachelor of Commerce (majoring in Financial Planning) and is a Certified Financial Planner®.
He is passionate about education and running workplace information sessions for groups and businesses, as well as being a long suffering Carlton Football Club supporter.

Jessica Hall

Jessica Hall

Financial Planner

Jess joined our Geelong team in 2006 after graduating with a Bachelor of Commerce (majoring in Financial Planning). She continued her studies, going on to become a Certified Financial Planner®.
Jess enjoys interacting with people from all walks of life. In particular she has a passion for breaking down the barriers that sometimes cause women to feel apprehensive about making long term financial decisions. With this in mind, Jess developed her Income Solutions for Women information session.

Gareth Daniels

Gareth Daniels

Financial Planner

Gareth has been with Income Solutions since 2009 and previously worked in the finance industry in his native UK. He holds a Bachelor of Arts with Honours and an Advanced Diploma in Financial Services. He is currently studying for his Certified Financial Planner® accreditation.
Professionally, Gareth gains great satisfaction from providing a high level of support and commitment to keeping his clients on track to achieve their goals. He is particularly passionate about assisting clients from the education sector.
In his spare time, Gareth is quite the gourmet cook and wine enthusiast. Scratch the surface however, and you will find him enjoying a beer and watching his beloved Hawks play.

Daniel Pante

Daniel Pante

Financial Planner

Daniel joined the Income Solutions team in 2012 after 5 years of industry experience. A career in Financial Planning suits Daniel’s down to earth approach and passion to help others make a difference in their lives. He holds a Bachelor of Business (majoring in Financial Planning) and holds an Australian Financial Planner® accreditation.
Daniel enjoys keeping fit and is a big sports fan; he enjoys watching his beloved Manchester City in the English Premier league and supports his home town’s team, the Geelong Cats.

Elise Ryan

Elise Ryan

Financial Planner

Elise joined the Income Solutions team in 2011 and completed her Bachelor of Commerce in 2012 majoring in Financial Planning and Accounting. She is continuing her studies to become a Certified Financial Planner.
For Elise, the best part of her job is helping clients to achieve their goals. Some lucky clients also get to benefit from her fantastic barista skills.
Elise grew up in Geelong and is a volunteer surf lifesaver with the Jan Juc Surf Lifesaving Club.

David Ramsay

David Ramsay

Founder / Principal Financial Planner

David is the Founder and Principal Financial Planner of Income Solutions. He is a Certified Financial Planner with more than 25 years in the profession.
David built the business based on his strong belief that anyone can take control of their financial future and he is proud to have shared the journey with many of his long term clients.

Mason Angove

Mason Angove

Operations Manager

As Operations Manager Mason ensures the day to day running of the office and oversees the Marketing and IT departments. He is also responsible for Financial reporting and HR within the business.
Mason has a passion for developing our people and helping them to reach their personal aspirations and pursuits. He enjoys implementing the latest trends in technology as well as running events to benefit our client experience and ensure we deliver the best service possible.
With a love for music, and pretty much any and every sport that exists, Mason also enjoys American food. Lots of food.

Alison Adams

Alison Adams

Business Development Manager

As Business Development Manager, Alison draws on over 20 years of industry experience to manage the Advice team – motivating them to deliver the best service and quality advice to our clients. She ensures the team continue to develop their chosen specialities and career paths and helps build strategic partnerships with complimentary businesses.
In her spare time, Alison moonlights as a taxi driver for her kids. Even with the enormity of this role, she still finds time to entertain family and friends.

Erica Fountain

Erica Fountain

As Head of Innovation Erica helps to design and implement the strategic path for the company, now and into the future. We like to say she is our “big picture” person.
The drive and determination that saw Erica succeed as a professional athlete is evident in her commitment and passion to make an impact in the business and deliver a meaningful service to our clients.
Erica strives to maintain a healthy lifestyle while balancing her professional endeavors and still enjoying quality time with her young family.

Jason Broderick

Jason Broderick

I.T Manager

Jason’s role as I.T Manager is quite diverse, encompassing the day to day I.T operations within the business as well as managing large scale projects. The business has a strong commitment to continue investing in cutting edge technology, requiring Jason’s sound research skills and vision. Jason copes very well with our tendency to blame every issue on I.T – what a champion!
A country lad, Jason loves the great outdoors and in his down time enjoys cycling long distances.

Sue Ramsay

Sue Ramsay

Administration Co-ordinator

Sue has been with Income Solutions since its inception in 1987.  As Administration Co-ordinator, she actively takes care of organising the day to day administrative operations and duties.

Jordan Ramsay

Jordan Ramsay

Associate Financial Planner

Jordyn is an Associate Financial Planner based in our Geelong office, providing support for Jess Hall. Jordyn was based in Canberra for four years where she completed a Bachelor of Arts with Australian National University. Jordyn was then accepted to study at The London College of Fashion to undertake Honours in Fashion Journalism. Then in a complete turnaround, Jordyn decided that the world of finance, rather than fashion was for her. Jordyn is now enrolled at Deakin University, studying for her Bachelor of Commerce. With her good sense of fashion, she does however manage to turn up the glamour profile of the office. In her spare time, Jordyn enjoys the great outdoors, riding her bike or finding the next best fishing spot with her friends.

Anthony Amodeo

Anthony Amodeo

Associate Financial Planner

Tony is an Associate Financial Planner based in our Geelong office, providing support for Daniel Pante.
He holds a Commerce degree (majoring in Accounting and Financial Planning) from Deakin University.
Tony provides us with the best of both worlds – an absolute character who makes us laugh every day, he is also dedicated and professional with a genuine desire to achieve great results.
On a personal level, Tony is passionate about health and fitness, and enjoys supporting the Geelong Football Club.

Nick O’Hare

Nick O’Hare

Financial Planner

Nick is a Financial Planner based in our Melbourne office.

He has a Bachelor of Commerce (majoring in Marketing), and since joining Income Solutions has completed his Advanced Diploma of Financial Planning.

Nick’s professional outlook is to “practice what you preach” which really helps him relate to our clients.

A seasoned traveller, whose favourite destinations include the Philippines, South America and Morocco. Nick is also a passionate Western Bulldogs supporter and a keen Australian Rules football player, who participates in Movember every year.

Kevin Tran

Kevin Tran

Financial Planner

Kevin is an Financial Planner based in our Melbourne office.
He holds a Commerce degree (majoring in Economics, Finance, and Financial Planning) from Deakin University.
Kevin is our resident problem solver, be it a system improvement or a new spreadsheet he is always thinking of ways to help. His desire to help others is demonstrated by his volunteer work with Ronald McDonald house.

Tharaka Leeniyagoda

Tharaka Leeniyagoda

Associate Financial Planner

Tharaka is an Associate Financial Planner based at our Geelong office, providing support for David Ramsay. He holds a Bachelor of Commerce (Accounting) from the University of Adelaide and a Master of Business Accounting from the University of South Australia. We’re very happy he left Adelaide for sunny Geelong!
Tharaka is a real “number cruncher” and strategic thinker and is passionate about helping clients to make informed decisions about their financial future. He loves cooking, and regularly donates to Give Where You Live and Assistance Dogs Australia.

Daniel Harris

Daniel Harris

Associate Financial Planner

Daniel is an Associate Financial Planner based in our Geelong office, providing support for Gareth Daniels. He holds a Bachelor of Applied Science from RMIT and is currently studying a Bachelor of Commerce at Deakin University.
Dan has solid experience with working for large banks, and has previously lived in Milan, Shanghai, and London.
He is therefore a worldly character, who is passionate about education and culture.

Kane Leersen

Kane Leersen

Financial Planner

Growing up in the country side near Birregurra, Kane has always been a country boy at heart. With a keen interest in finance, Kane moved to Geelong to complete his Bachelor of Commerce with Deakin University – majoring in Financial Planning and Management. Having worked in the industry for three years, Kane’s desire to be at the coal face, directly helping people, was the driving force behind him joining the Income Solutions team. Returning to his roots, Kane is heading up our Colac office, excited to be assisting the local community he grew up with. In his spare time, playing sport (football and cricket), travelling and family time are at the top of Kane’s list of priorities.

Andrew White

Andrew White

Associate Financial Planner

Andrew is an Associate Financial Planner based in our Richmond office, providing support for Steven Nickelson. Andrew completed a Bachelor of Commerce at Deakin University majoring in Financial Planning and Commercial Law. Andrew comes to us with 2 years’ experience and looks forward to building his career in what he sees as an exciting industry. With a love of the great outdoors, Andrew spends his weekends hiking, camping, cycling, golfing and enjoying the great events that Melbourne has to offer.

Jacqui Phillips

Jacqui Phillips

Associate Financial Planner

Jacqui is an Associate Financial Planner based in our Colac office, providing support for Daniel Pante. Down to earth and approachable, she is passionate about customer service and enjoys helping to make a difference in the lives of others.

Jacqui is very family orientated, which extends to non-humans – she has an impressive collection of pets from magpies to cows! She is a volunteer for the Ian Parker Bipolar Research Fund and also donates to cancer research. We always appreciate Jacqui’s smile when she visits us in the Geelong office.

Ashley Irwin

Ashley Irwin

Associate Financial Planner

Ash is an Associate Financial Planner based in our Geelong office, providing support for Nick Cooper.
He has an Advanced Diploma of Accounting as well as a Diploma of Financial Planning.
Ash really loves working with numbers – which is lucky for us! He enjoys basketball and has a passion for cars, is a CFA member and regularly raises money for various cancer foundations.

Danny Archer

Danny Archer

Client Service Officer

Danny is our resident go to guy. After completing an Internship with us, we’ve asked him back to help us with special projects. Danny is currently completing a Bachelor of Commerce, majoring in Accounting and Financial Planning. In his spare time, you can catch Danny playing football for the Modewarre Football Netball Club, watching cricket, AFL & NFL or going for a surf. An avid reader of auto-biographies and personal development / finance books, Danny’s favourites include The Crossroad by Mark Donaldson, At the Close of Play by Ricky Ponting and Robert Kiyosaki’s Rich Dad, Poor Dad. Danny is also an avid traveler who plans to travel to the USA & Canada when he completes his degree and has a dream of living and working abroad from 2018.

Josh Ramsay

Josh Ramsay

Accounts Assistant

Josh is our Accounts Assistant based on our Geelong office. Josh completed business studies at the Gordon Institute and with his great attention to detail and love of numbers, he is the perfect addition to our Accounts team. In his spare time, Josh enjoys keeping fit and is a great fan of all sports.

Danni Brand

Danni Brand

Administration Assistant

Danni works in our Geelong office every Friday, performing general office duties. She is studying at the Gordon Institute where she is completing several short courses.
An animal lover, Danni grew up in the suburbs of Melbourne before moving to a hobby farm in Drysdale.

Client Stories

To start your journey, book a free appointment with us, or attend one of our upcoming
Common Sense Investing information evenings.

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