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Financial Planning - SMSF - Retirement Planning - Estate Planning

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Income Solutions is a leading financial planning practice with offices in Geelong, Melbourne, Colac and Hamilton Book an Appointment Read our latest Financial Articles & Blogs... Click here NEWS & BLOGS

Our Services

FINANCIAL
PLANNING
INVESTMENT
SUPER
CASH FLOW
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.

Cash Flow strategies that manage your income against your expenses to help you achieve your goals.

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

At Income Solutions we forge long term and trusting relationships with our clients, to ensure we provide exceptional financial advice and deliver personalised financial strategies. By means of ongoing education and support we continue to assist our clients with staying on track and achieving their financial and lifestyle goals.

Our principal objective is to help our clients create a consistent, reliable and truly passive income stream. An income stream which will guarantee that our clients live their chosen lifestyle with passion and the absence of financial worry.

Our process

At Income Solutions we have a well researched and carefully designed four-step process which ensures our clients are equipped with the knowledge and understanding required to make sound financial decisions.

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Information Session

Our Common Sense Investing session is designed to expose clients to an exciting and strategic way of thinking about their financial future. By exploring intelligible, yet in-depth investment insights and practical advice, this session promotes client confidence and motivates them to achieve more.

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Right Fit Meeting

The objective of the Right Fit meeting is to set your expectations. After this meeting clients will become conscious of both their own and Income Solutions responsibilities in the financial planning process.

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Discovering your Goals

An individual’s goals are personal. Sharing your goals with others is a crucial success principle. By sharing your aspirations with us, we are able to understand what it is that you want to achieve and assist you in achieving your goals.

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Big picture Meeting

At Income Solutions your personalised financial strategy is called the Big Picture. In this meeting we will demonstrate a specifically designed strategy that will put you in the best position to achieve your goals.

To start your journey, book a free appointment with us, or attend one of our upcoming
Common Sense Investing information sessions.
By completing this four-step process you will gain invaluable knowledge and information.

Book an Appointment

Our Team

 
David Ramsay
 
Tharaka Leeniyagoda
 
Elise Anderson
 
Kane Leersen
 
Jordyn Ramsay
 
Ashley Irwin
 
 
Josh Ramsay
 
Will Clark
 
Laura Whitehead
 
Narelle Clift
 
Jacob Ramsay
 
Sue Ramsay
 
Alison Adams
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 a Commerce Degree and 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.

Tharaka Leeniyagoda

Tharaka Leeniyagoda

Financial Planner

Tharaka is a Financial Planner based at our Geelong office. He holds a Bachelor of Commerce (Accounting) from the University of Adelaide, a Master of Business Accounting from the University of South Australia and a Diploma of Financial Planning from Kalpan. 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.

Elise Anderson

Elise Anderson

Financial Planner

Elise joined the Income Solutions team in 2011 and completed her Bachelor of Commerce in 2012 majoring in Financial Planning and Accounting, and is now 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.

Kane Leersen

Kane Leersen

Financial Planner

Growing up in the countryside 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 both our Colac and Hamilton offices and is excited to be assisting the local community. In his spare time, playing sport (football and cricket), travelling and family time are at the top of Kane’s list of priorities.

Jordyn Ramsay

Jordyn Ramsay

Associate

Jordyn is based in our Geelong office. Jordyn was based in Canberra for four years where she completed a Bachelor of Arts with Australian National University. Jordyn studied her Bachelor of Commerce at Deakin University. In her spare time, Jordyn enjoys the great outdoors with her dogs Monty and Penelope, riding her bike or finding the next best fishing spot with her friends.

Sue Ramsay

Sue Ramsay

Finance Manager

Sue has been with Income Solutions since its inception in 1987.  As Finance Manager, she actively takes care of organising the day to day finance operations and duties.

Ashley Irwin

Ashley Irwin

Customer Service Officer

Ash is an Customer Service Officer based in our Geelong office.
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.

Alison Adams

Alison Adams

Operations Manager - Geelong

As the Geelong Office’s Operations 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.

Zac Ramsay

Zac Ramsay

Associate
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.

Will Clark

Will Clark

Associate

Will joined Income Solutions in May 2020 after completing a Bachelor of Commerce majoring in Financial planning and Finance.

He is looking forward to one day being a financial planner and being able to help clients reach their goals through the assistance of good financial planning.

Will is from Ballarat and in his spare time enjoys helping out with St Mary’s Football Club

Laura Whitehead

Laura Whitehead

Customer Service Officer

Laura joined the team in November 2020 and rapidly established herself in a pivotal role delivering quality customer service to our clients.
Currently studying International Studies and Commerce at Deakin University, Laura is perfectly placed to further her ambition to develop her career within the financial industry.
When not working or studying she enjoys reading and spending time in the garden.

Narelle Clift

Narelle Clift

Director of First Impressions

Narelle is a long-term employee and over the years has made the role of Director of First Impressions her own.
Her consistent commitment over the years and positive attitude ensures our clients are welcomed with genuine engagement and a willingness to help.
On the weekends she enjoys taking her staffy dog ‘Jaxs’ to the dog park

Jacob Ramsay

Jacob Ramsay

Customer Service Officer

As a recent addition to the client services team, Jacob has already proven to be a welcome asset.
He is currently studying a Bachelor of Commerce at Deakin University and is looking forward to practically applying in the workplace what he has been studying in the classroom.
On the weekend you can find him in a footy jumper playing for his local club… the ‘Turtles’.

Get Connected

Get in touch with us online.

 

Client Stories and Reviews

Our clients are our business and have trusted us to assist them in achieving their life dreams and aspirations. This is a responsibility that we take very seriously and we are honored and proud to be part of our clients journey.

Use the arrows below to scroll through some of our client reviews:

Anne

Elise has been our adviser for many years. She always has time for us and any questions we may need answering. We never hesitate to call her when we need some clarification or advice because no matter how busy she is we always feel like valued clients. We value her expertise, advice and the fact that she is constantly up skilling her knowledge and understanding of the financial landscape. She always follows up on what she has promised. Our entire retirement financial landscape and all its aspects such as insurance, superannuation, budgeting and general information is in good hands with Elise's experience and oversight.

Robert

Elise has consistently provided myself and my wife with sound advice and timely, reliable information related to preparation for and execution of our retirement planning.

Ron

For over 20 years David has given me (and my wife) sound and consistent advice in areas including superannuation strategies, wealth accumulation, loan procurement and management, tax related strategies and investment advice that has proven highly credible and produce the planned dividends and passive income streams we discussed and committed to at the outset of our relationship. David is consistent in his messaging and strategies. His advice is clear and concise. Davids knowledge and experience has proven to be of a very high standard and has given us the confidence to commit to the strategies proposed and which have delivered. Davids personal commitment to us as clients has been consistent from day one.

Lesley

Tharaka has given me advice in all areas that are relevant to us and has always been more than helpful in assisting us with our financial future, we are more than comfortable in having Tharaka and Income Solutions in our life moving forward

Jude

Elise has been our Adviser for many years now. She has always provided sound advice, is extremely helpful, efficient and gets things done in a timely manner. Elise has taken us through the investment phase with margin lending, wealth growth and into a comfortable retirement. I would highly recommend Elise and the business strategy for wealth creation.

Rani

David is a wonderful person to deal with and very accommodating and patient. We enjoy the interaction and advice.

Mark

My wife and I have been advised by David for 25 years. We have seen him build up a successful advice business over that time, always focused on ensuring clarity around our goals and taking a measured, long-term approach to investing. He has provided great counsel over that time, demonstrating how advisers add value by encouraging clients to stick to a good plan rather than jump around in response to stormy short-term markets. David also takes a keen interest in my professional endeavors and has helped me with ideas and networking assistance during periods of unemployment.

 

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