3 min read
Another Interest Rate Increase
The RBA has raised the cash rate again - what it means if you're saving, if you're borrowing, and how it fits into a tougher year for Australian investors.
Independent advice for the financial decisions that matter.
Shoreditch Financial Advice was founded on a simple premise: good advice should be built around your life, explained in plain language, and free of unnecessary complexity.
- Certified Financial Planner
- CFP®
- Years advising Australians
- 10+
- Meetings
- Online or in person, Melbourne
Everybody is welcome at Shoreditch Financial Advice, regardless of background. No judgement or preconceptions, just honest financial advice in your best interests.
We look forward to meeting you.
We work with retirees, professionals, tradies, business owners, and families across Australia who want a clear plan for their money - whether that means preparing for retirement, investing for the future, protecting your wealth, or simply making sense of constant rule changes and how they may impact you.
Services
Advice across every stage of your financial life
From your first investment plan to drawing income from your super in retirement, our services are built to adapt as your circumstances change.
- 01
Retirement Planning
Strategies to help you retire on your terms, including pension structuring, income planning, and Age Pension considerations.
- 02
Superannuation Advice
Fund and investment reviews, contribution strategies and consolidation to help your super work harder ahead of retirement.
- 03
Investment Strategy
Tax structuring and portfolio construction, aligned to your risk profile, time horizon, and goals - reviewed and rebalanced as markets shift.
- 04
Financial Modelling
Scenario planning and cash flow projections to help you see the long-term impact of your decisions before you make them.
- 05
Cash Flow & Budgeting
Practical strategies to help you manage day-to-day spending, build savings, and free up cash flow to put toward your goals.
- 06
Estate & Succession Planning
Ensuring your wealth is passed onto the right people, in the way you intend.
*We don't do new or stand alone insurance advice. We can assist with providing a referral to an insurance specialist, or an insurance needs analysis to help when deciding to reduce your existing cover, as part of our holistic financial advice service.
Approach
How we work together
A structured process, so you always know what happens next. Meetings can be held online (usually via Microsoft Teams), or in person at our Melbourne office.
Book an Initial Call- 01
Introduction call
A 15 minute phone call to understand your reasons for seeking financial advice, discuss how we can help and next steps.
- 02
Discovery
A meeting to discuss your goals, challenges, strategies that may be appropriate for you and what our advice to you would look like. A client agreement for personal financial advice is sent to you after this meeting, if appropriate.
- 03
Advice
We build a tailored plan and walk you through every recommendation in plain English.
- 04
Implementation
Once you're comfortable, we put the plan into action and handle the paperwork.
- 05
Ongoing reviews
Regular check-ins and advice to keep your plan aligned as life, markets and legislation change.
Principal Adviser
Meet Ashley
I'm Ashley, Principal Adviser at Shoreditch Financial Advice. I'm a Certified Financial Planner (CFP®), with over 10 years experience providing financial advice to everyday Australians.
I take great pride and enjoyment from helping people make sense of their finances, achieve their goals, solve problems, overcome challenges and most importantly feel confident for the future.
I enjoy spending time with family and friends, training Brazilian Jiu Jitsu, doing some yoga and trying to get outside. I also think I'm funny (but you can be the judge of that!).
Insights
Insights and updates
Regular newsletters on personal finance, investments, economics and anything else that is topical or newsworthy for you and your money.
6 min read
Budget Winners and Losers
A look at who comes out ahead (and who doesn't) in the latest Federal Budget, and what it could mean for your finances.
5 min read
Significant Implications of the Federal Budget
A rundown of the proposed tax changes from this year's federal budget, and what they could mean for how you invest.
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Sent when a new edition is published. Unsubscribe any time.
FAQs
Frequently asked questions
Have a question that isn't answered here? Book a free initial call and ask us directly.
Book an Initial CallAre you fully independent?
Yes, Shoreditch Financial Advice is fully independent. Around 1% of Advisers in Australia meet the legislated definition of independent, unbiased and unconflicted, we are one of them. We receive no commissions or hidden fees of any type, or fees from any recommended investments.
What is a Certified Financial Planner (CFP®)?
Becoming a Certified Financial Planner (CFP®) is widely considered to be the highest education standard for Financial Advisers in Australia and globally. Earning the CFP® designation requires exceptional technical knowledge, ongoing development and dedication to the Financial Advice profession.
What do you invest in? Is my money safe?
As an Independent Financial Advice firm, Shoreditch Advice has no ties to any investment product and receives no commission or hidden fees from any recommendation. We do not benefit in any way from the investments we recommend.
We use a combination of low-cost Exchange Traded Funds (ETFs), Managed Funds and Managed Accounts to give clients a diversified investment portfolio, based on their goals, life stage, timeframes and risk tolerance. We'll always invest your money in a way that serves your best interests.
It is important to note, investing always comes with some risk and returns can never be guaranteed.
Will you use pressure tactics to sell us products?
No. Some Financial Advisers may use pressure tactics to force clients to make a decision before they truly understand what they're agreeing to (often with big promises about the returns they'll achieve). This has led to significant losses from some well publicised failed investment schemes.
At Shoreditch Advice, we'll take time to talk you through all our recommendations, allowing time for questions and booking follow up conversations when needed, to allow time to digest and understand our recommendations. We'll be responsive communicators, and nobody wants the process to drag on forever, but your comfort and understanding is more important than being quick.
What are your fees?
Everyone's situation is different, we quote fees based on services needed, please see our Financial Services Guide (FSG), for the services we can provide and our minimum fees.
Our initial call is free, if you decide to then book in a 90-minute Discovery Session, this costs a one-off $350. After this session we will provide a Terms of Engagement letter, which outlines the services to be provided and the fees. Advice commences once the initial deposit is paid, the remainder of the fees are charged once the advice has been presented to you and implementation commences. Fees can be paid through a combination of personal cash and through superannuation (subject to the scope of the advice being provided).
All fees quoted are inclusive of GST.
Do you use AI?
Yes. AI allows us to be more responsive to clients and efficient in our advice process by significantly cutting down the time needed for non-advice tasks. In short, it means we can get your advice to you faster, without any drop in quality.
All meetings use a Financial Advice specific AI assistant for notetaking and to help us produce your advice document. All information is stored in Australia, per our privacy policy and the Australian Privacy Principles.
What information will you need to give us financial advice?
To meet our obligations to provide the best advice for you, and to meet our Anti-Money Laundering/Counter Terrorism Financing Act 2006 (AML-CTF Act) requirements, we are required to collect information about you (including Personal Identifiable Information).
This includes certified photo ID, super fund information, other personal financial information and importantly can include tax file numbers (TFNs).
What is your approach to Cyber Security?
We take the safety of your information seriously. We use Microsoft 365 and store all information on Microsoft SharePoint. We do not share sensitive information or files via email or attachments.
If we receive an email from you requesting a withdrawal from your investments or superannuation, we will always call you first before processing the withdrawal, to ensure you made the request.
What our clients say on Google
5.0 out of 5 from 4 reviews
We’ve been working with Ashley for close to five years now, and he’s helped us completely overhaul our finances. He got us set up with a diversified investment strategy that works for us and that we’ve been able to stick to.👌 What we really appreciate about Ashley is that he makes everything easy to understand and takes the stress out of it. We’re not financial experts (far from it), so having someone who explains things in plain English and makes it all feel manageable has been a huge help. Thanks to Ashley, we feel like we’re in a great position to make our dream of early retirement a reality, with plans to run a bed and breakfast in France. 🇫🇷🍷 We regularly recommend Ashley to our mates and wouldn’t hesitate to recommend him to anyone looking for a knowledgeable, approachable financial advisor who’s genuinely great at what he does and cares about the people he works with. 🙌
We have been clients of Ashley for just over 3 years. He has assisted us in relation to our superannuation and investments. We have found him to be very personable, and is always more that willing to assist us with any finance related matters we are working through. He takes the time to ensure we understand the advice that he provides, and we always come away after interacting with Ashley, with a sense of clarity and confidence on the next steps. We have recommended Ashley to our friends and colleagues, and have no hesitation in recommending him to anyone seeking financial advice. We look forward to continuing our professional relationship with Ashley in coming years.
We have been clients of Ashley's for just over 3 years. We utilise a number of his services, superannuation advice, investment and retirement planning. Ashley is very easy to work with, his advice is always clear and at all times if we have any questions he is very responsive and listens to understand what our requirements are. Ashley will respond to a call or email very promptly which when you are dealing in finances is refreshing to know he will be on the other end of the phone when you need him. We have been very happy with the advice and assistance provided over this period of time and in fact have recommended others to his services.
Ashley is a wealth of knowledge, and the best part is he is actually happy to share it! He explains things in plain English, never makes you feel silly or judged, and is always happy to take the time to sit down and answer your questions (even the ones you've already asked a few times before!). Ashley has been a huge support over the years. Highly recommend!
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