Melbourne Office

The team at Income Solutions Richmond are passionate about educating people to make well informed decisions, so they can live with the absence of financial worry.  They listen and help you to develop and articulate your goals whilst learning about you, your family and what’s important to you.

With extensive knowledge including self-managed super funds, investments to generate tax-effective income, superannuation, insurance and sensible debt planning, they really do have all bases covered. Income Solutions Richmond partner with accountants, lawyers and debt specialists to ensure their clients have a trusted personal advisory board who understand their goals and work collaboratively towards helping achieve them.

The Richmond team support the Go Girls Foundation which strives for every woman to have a plan. They sponsor Go Girls events throughout the year and run education sessions as part of the organisations Step Up and Go Program.

The office is located in Richmond, within walking distance to Burnley Train Station and tram stops along Swan Street.


Book a Complimentary appointment with one of our Melbourne Financial Planners today.

Free Consultation

Our Team

  • David Ramsay
  • Steven Nickelson
  • Lee Nickelson
  • Kevin Tran
  • Marnie McGaffin
  • Shosti Haq
  • Edward Cheesman
  • Laura Sheather
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

Managing Partner/Senior Financial Planner

Steven has been with Income Solutions since 2006, and now heads up the team in Richmond as Managing Partner and Senior Financial Planner. He is a Certified Financial Planner®, has a Bachelor of Commerce (majoring in Financial Planning), as well as being a Graduate of the Australian Institute of Company Directors.
He advises a broad range of clients and businesses and is passionate about financial education and running workplace information sessions for groups and businesses, and his clients commend him for his exceptional ability to explain complex information in simple terms.
Steven is married with two young daughters, Scarlett and Willow, enjoys golf and bike riding, as well as being a Carlton Football Club optimist.

Lee Nickelson

Lee Nickelson

Financial Planner

Lee first started in the Financial Planning industry in 2001 and is a Certified Financial Planner®. She is passionate about creating a world where her two daughters can grow up to receive every opportunity in life. This in turn drives Lee’s passion for financial planning for women and has led to working with the Go Girls Foundation, where she offers time to educate women, some of whom find themselves in unique situations after relationship breakdowns and other unforeseen circumstances.

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.

Marnie McGaffin

Marnie McGaffin

Customer Service Officer

Marnie has joined our Richmond Office in 2017 as our Customer Service Officer, and loves nothing more than seeing a smiling face! She has two children, a girl and a boy, and on weekends she can be found with her husband and children bushwalking through the Dandenong Ranges or water-skiing at Eildon. Marnie has a an Associates Diploma in Health Science and ran her own Beauty Therapy business for over 20 years before joining us!

Shosti Haq

Shosti Haq

Associate Financial Planner

Shosti is an Associate Financial Advisor based in our Melbourne Office. She holds a Commerce degree (majoring in Accounting and Finance) from Monash University and an Advanced Diploma in Financial Planning.
She has been in the industry for over five years mostly working with Industry funds specializing in superannuation.
She is a language enthusiast, currently attempting to master Spanish. On weekends, she can be found playing a game or two of tennis.

Edward Cheesman

Edward Cheesman

Associate Financial Planner

Edward is an Associate Financial Planner in the Melbourne office working under Steven Nickelson. Edward is currently studying a Bachelor of Commerce majoring in Economics and Financial Planning at Deakin University in Burwood.
On weekends, you will find him coaching multiple junior basketball and football teams for his local community. Edward really enjoys playing sports. He has competed in several University Games playing both water polo and basketball representing Deakin. Edward supports the Bombers in the AFL and Dallas Mavericks in the NBA.
He really enjoys cooking for his family and wants to learn how to cook different types of foods. He is also excited to be travelling to Tokyo in 2020 to cheer on the Aussies at the Olympic games.

Laura Sheather

Laura Sheather

Associate Financial Planner

Laura is an Associate Financial Advisor based in the Melbourne Office. She holds a Commerce Degree (majoring in Finance and Financial Planning) from Deakin University. Laura is passionate about learning to guide people to make healthy financial decisions now that have positive lasting effects in the future. Laura is also the treasurer of an Australian Paralympic Committee that keeps her busy and assists to develop her knowledge of financial control and large-scale budgeting. In her spare time Laura can be found running Albert Park or swimming some laps of the local pool.

Our Partners

Contact Us

19 Rooney Street, Richmond.
Monday To Friday: 9:00 am to 5:30 pm
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