Financial Planning - SMSF - Retirement Planning - Estate Planning - Tax Planning

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
TAX
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

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 . . . Read More

Steven Nickelson

Steven Nickelson

Financial Planner
Steven started his career with Income Solutions in our Geelong office in 2006 after he completed his Bachelor of Commerce (majoring in Financial Planning). He has since become accredited as a Certified Financial Planner. Steven’s desire to move to Melbourne in 2008 was the driving . . . Read More

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 . . . Read More

Nick Cooper

Nick Cooper

Senior Financial Planner
It is quite surprising that with over 25 years experience as a Financial Planner that Nick has only had one other job in his working life, having served for 20 years in the RAAF. Nick’s career change came about after he went on to study . . . Read More

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, . . . Read More

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 . . . Read More

James Beard

James Beard

Financial Planner
James joined our Melbourne team in 2012 and is currently studying for his Certified Financial Planner qualification. He holds a Bachelor of Business (majoring in Marketing and Financial Planning). He enjoys helping clients find the right strategy to reach their goals. James grew up on . . . Read More

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 . . . Read More

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 . . . Read More

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 . . . Read More

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 . . . Read More

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 . . . Read More

Jason Broderick

Jason Broderick

Information Technology
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. . . . Read More

Rebecca Lee

Marketing Manager
As Marketing Manager Bec looks after all marketing and communications for Income Solutions, using her creative skills to manage all aspects of design and branding, newsletters and other communications, social media and web output, and working on special projects. Bec is also the unsung hero . . . Read More

Madison Kirchner

Madison Kirchner

Client Services Officer
Madi is the face of our Geelong office, she may well be the first person you see or hear when you get in touch with Income Solutions. She is a volunteer fire fighter, so no situation poses a challenge for her – apart from the . . . Read More

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.

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 . . . Read More

Patrick Dwyer

Patrick Dwyer

ASSOCIATE FINANCIAL PLANNER
Patrick is an Associate Financial Planner based in our Geelong office, providing support for Gareth Daniels. He holds a Commerce degree (majoring in Corporate Accounting and Finance) from the University of Western Australia. Patrick began his life as a country boy from Daylesford, however his study . . . Read More

Sarina Martini

Sarina Martini

Associate Financial Planner
Sarina is an Associate Financial Planner based in our Geelong office, providing support for Jess Hall. She holds a Commerce degree (majoring in Accounting and Financial Planning) from Deakin University. Sarina says that one of the highlights of her job is witnessing the happiness on a . . . Read More

Nick O’Hare

Nick O’Hare

Associate Financial Planner
Nick is an Associate Financial Planner based in our Melbourne office, providing support for Steven Nickelson. He has a Bachelor of Commerce (majoring in Marketing). Nick’s professional outlook is to “practice what you preach” which really helps him relate to our clients. A seasoned traveller, . . . Read More

Kevin Tran

Kevin Tran

Associate Financial Planner
Kevin is an Associate Financial Planner based in our Melbourne office, providing support for Steven Nickelson. 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 . . . Read More

Ashley Irwin

Ashley Irwin

Trainee Paraplanner
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 . . . Read More

Jacqui Phillips

Jacqui Phillips

Associate Financial Planner

Jacqui is an Associate Financial Planner based in our Colac office, providing support for Daniel Pante.

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.

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 in our Geelong office in 2006 after he completed his Bachelor of Commerce (majoring in Financial Planning). He has since become accredited as a Certified Financial Planner. Steven’s desire to move to Melbourne in 2008 was the driving force behind our decision to establish a Melbourne base.
He is passionate about education and running workplace information sessions for groups and businesses.

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 Planning for Women information session.

Nick Cooper

Nick Cooper

Senior Financial Planner

It is quite surprising that with over 25 years experience as a Financial Planner that Nick has only had one other job in his working life, having served for 20 years in the RAAF. Nick’s career change came about after he went on to study a Bachelor of Business (majoring in Accounting).
Since then, he hasn’t looked back. The enjoyment of working with his long term clients continues to keep Nick’s retirement at bay.
Utilising his knowledge and skills, Nick has expanded his range of services to become the Income Solutions Aged Care Specialist.

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).
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.

James Beard

James Beard

Financial Planner

James joined our Melbourne team in 2012 and is currently studying for his Certified Financial Planner qualification. He holds a Bachelor of Business (majoring in Marketing and Financial Planning). He enjoys helping clients find the right strategy to reach their goals.
James grew up on a dairy farm in Warrnambool, South-West Victoria and has a passion for snowboarding and AFL football. He proudly supports Movember every year.

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 with the focus being on achieving the right work–life balance through professional success and still enjoying quality time with family and friends.

Jason Broderick

Jason Broderick

Information Technology

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.

Rebecca Lee

Marketing Manager

As Marketing Manager Bec looks after all marketing and communications for Income Solutions, using her creative skills to manage all aspects of design and branding, newsletters and other communications, social media and web output, and working on special projects.
Bec is also the unsung hero working behind the scenes in planning our many events that take place throughout the year.
She is our resident animal loving, environmentally friendly hippy. If she was an electrical appliance, she would definitely have a 6 star rating.

Madison Kirchner

Madison Kirchner

Client Services Officer

Madi is the face of our Geelong office, she may well be the first person you see or hear when you get in touch with Income Solutions. She is a volunteer fire fighter, so no situation poses a challenge for her – apart from the occasional battle with our coffee machine!
Madi’s role is varied and she provides support to everyone throughout the business; for example one minute she may have sourced our latest Twitter post, and the next she has submitted an insurance application.
She is a keen traveller, and one of her favourite countries is Germany.

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.

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.

Patrick Dwyer

Patrick Dwyer

ASSOCIATE FINANCIAL PLANNER

Patrick is an Associate Financial Planner based in our Geelong office, providing support for Gareth Daniels.
He holds a Commerce degree (majoring in Corporate Accounting and Finance) from the University of Western Australia.
Patrick began his life as a country boy from Daylesford, however his study and career path lead him from Victoria to the other side of the country, and back again. As the leading goal scorer for the Income Solutions basketball team, we are glad he has found his place in Geelong.

Sarina Martini

Sarina Martini

Associate Financial Planner

Sarina is an Associate Financial Planner based in our Geelong office, providing support for Jess Hall.
She holds a Commerce degree (majoring in Accounting and Financial Planning) from Deakin University.
Sarina says that one of the highlights of her job is witnessing the happiness on a client’s face when they have achieved financial freedom.
A charitable person in general, Sarina enters the Mothers Day Classic every year to help raise funds for breast cancer. Income Solutions also sponsors this event so we love to see our people get involved!

Nick O’Hare

Nick O’Hare

Associate Financial Planner

Nick is an Associate Financial Planner based in our Melbourne office, providing support for Steven Nickelson.
He has a Bachelor of Commerce (majoring in Marketing).
Nick’s professional outlook is to “practice what you preach” which really helps him relate to our clients.
A seasoned traveller, he has visited Europe, UK, Dubai and Morocco. Nick is also an keen AFL supporter who supports Movember every year.

Kevin Tran

Kevin Tran

Associate Financial Planner

Kevin is an Associate Financial Planner based in our Melbourne office, providing support for Steven Nickelson.
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.

Ashley Irwin

Ashley Irwin

Trainee Paraplanner

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.

Jacqui Phillips

Jacqui Phillips

Associate Financial Planner

Jacqui is an Associate Financial Planner based in our Colac office, providing support for Daniel Pante.

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

COMING SOON

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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