As a fully qualified financial planner, accredited mortgage consultant and tax (financial) adviser, I am able to offer my clients a full picture financial service that addresses their goals and concerns and gives them a clear vision of where they are heading now and into the future.I am passionate about providing quality, comprehensive advice, exploring opportunities and minimising financial risk for my clients appropriately. Most importantly, running my own practice alongside my business partner Anna allows me to provide my clients with a superior level of service and care where they are listened to, valued and more than just a number.The areas I can provide advice and assist my clients include:Investments strategies - strategic asset allocation and goals based investing - ensuring your portfolio is structured appropriately to meet the milestones you want to achieve.Budget and cash flow management - helping you understand your spending and areas of risk or opportunityDebt management (including borrowing for personal and investment purposes) - how to structure your loans, understanding the features available to you to maximise benefits and tax effectiveness.Salary packaging - using beneficial, tax effective salary structuringSuperannuation strategies and retirement planning - putting you on track to achieve your lifestyle income goals for retirement.Personal insurance - making sure that you, your loved ones and your business partners are protected against financial risk.Centrelink and other government benefits - helping you explore any entitlements.Regular advice to keep you on track with your goals and changing circumstances - sometimes life throws us curve balls and unexpected windfalls!(Michelle McKindlay and Women on Wealth Pty Ltd, ABN 20 608 228 440 are authorised Representatives of Michanna Wealth Pty Ltd, Australian Financial Services Licensee 524015)

I enjoyed a rewarding career with St George Bank over the years which allowed me to develop and grow my financial services knowledge and skills in the retail banking sector, progressing into wealth advice. Starting off in the familiar roles of Lending and Branch Manager, I was able to successfully grow the business and manage a team of retail banking staff in a major retail centre. In early 2014 I moved into the role of Financial Planner in the St George Financial Planning division where I got to once again pursue my passion of looking after clients personally, being promoted to Senior Financial Planner by early 2016. I enjoyed much success within St George, mainly due to the fact that I loved and took pride in my job. Most importantly, my clients knew that I was behind them 100% and that their best interests were paramount to every decision made.

For 5 years I owned and operated my own mortgage and finance brokerage business on the Gold Coast, servicing the needs of both families and businesses.It was my role to identify each clients unique circumstances and ongoing needs and then source a suitable product solution. I worked from a panel of some 25 plus lenders, offering hundreds of different solutions and would handle the process on behalf of my clients from application through to settlement.Product solutions included residential home and investment loans, commercial property loans, business loans and vehicle/equipment financing.I was able to successfully build the business from the ground up, through building referral networks and of course the word of mouth referrals I received from my happy clients. I eventually sold this business to move into the banking sector, where I could be mentored to achieve my goal of moving into a financial planning role, as I wanted to provide a more holistic advice to my clients.

My role as Business Manager saw me meet and greet all new clients of the dealership and work with them to finalise their purchase contracts.I organised final settlement by way of either consumer mortgages, chattel mortgages, hire purchases or lease agreements, including novated leases and fully maintained company leases.I also arranged comprehensive insurances for the property and credit insurance to protect the client against the unforeseen.I left this role to welcome my beautiful first child into the world and move back to the Gold Coast to be closer to my family.

As a larger team based department, we worked together to achieve the company's financial goals and facilitate settlement of the clients purchases.We arranged consumer mortgages, chattel mortgages, hire purchases or lease agreements. This included novated leases and fully maintained company leases as well as comprehensive insurances for the property and credit insurance to protect the client against the unforeseen.My role in Gilberts also gave me opportunity in the latter years to mentor other staff to achieve team performance goals.