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# Viridian Advisory: United in purpose.

## Sitemaps
[XML Sitemap](https://viridianadvisory.com.au/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Building a Long-Term Investment Portfolio in Australia](https://viridianadvisory.com.au/market-insights/building-a-long-term-investment-portfolio-in-australia/): We spoke with Josef Jindra, Senior Financial Adviser at Viridian Advisory in Sydney, about what actually goes into building a long-term investment portfolio, and what's changed for investors in 2026.
- [Superannuation contribution strategies for high earners in Australia](https://viridianadvisory.com.au/market-insights/superannuation-contribution-strategies-for-high-earners/): If you’re earning well, there’s a good chance you’ve already set up a contribution strategy, such as salary sacrificing into superannuation, and then left it running in the background. It’s efficient and consistent, but without regular review, it could quietly become a missed opportunity.
- [Federal Budget 2026/27 – Coalescing the Constituent Base](https://viridianadvisory.com.au/market-insights/federal-budget/): The Federal Government handed down its 2026/27 Federal Budget last night, with a clear focus on maintaining the strength of its political base and ensuring that the after effects of the Farrer by-election are not repeated across traditional Labor heartland seats. That by-election saw One Nation defeat the Liberal National Party to claim its first lower-house seat. Whether this strategy proves effective remains to be seen. However, the announcements made last night, particularly the focus on reducing some of the more favourable tax treatments associated with investing in both property and shares, signal that the Government is prepared to consider broader structural tax reform.
- [When Can You Actually Access Your Super in Australia? Retirement Age Explained](https://viridianadvisory.com.au/market-insights/when-can-you-access-your-super-retirement-planning-australia/): There's a moment many Australians reach, usually somewhere in their late fifties or early sixties, when they start thinking of planning their retirement and wonder: Can I actually access my super yet?
- [Making it easier for Australians to navigate advice, lending and investment solutions](https://viridianadvisory.com.au/market-insights/raamy-shahien-sole-ceo-update/): In his first update as sole CEO, Raamy Shahien has outlined the next phase for Viridian and what it means for clients, the team and the Viridian community.
- [How Much Super Do You Actually Need to Retire in Australia?](https://viridianadvisory.com.au/market-insights/how-much-super-do-you-actually-need-to-retire-in-australia/): The most widely used guide is the ASFA Retirement Standard, published by the Association of Superannuation Funds of Australia. It estimates what retirees actually spend each year, and it’s updated every quarter to keep pace with the real cost of living.
- [Quarterly Economic Update: October to December 2025](https://viridianadvisory.com.au/market-insights/quarterly-economic-update-december-2025/): The December quarter marked a shift in momentum. Inflation lifted again after easing earlier in the year, interest rate expectations became less certain, and market volatility increased into year-end. Despite this, Australian households showed resilience, with strong Christmas spending and steady employment supporting economic activity. While markets delivered solid gains across 2025 overall, the late-year pullback was a reminder that economic conditions remain sensitive to inflation and interest rate expectations.
- [Wills and Estate Planning for Blended Families in Australia](https://viridianadvisory.com.au/market-insights/wills-and-estate-planning-for-blended-families-in-australia/): Modern families come in many shapes and sizes.  For some, that means raising children from previous relationships alongside children with a new partner. According to the 2021 Census, among couple families with dependent children, 8.5% were step-families and 3.5% were blended families. Bringing the total to around 12% of all such households (Australian Bureau of Statistics, 2022). Estate planning for blended families is becoming increasingly important as more Australians navigate complex family structures.
- [The 12 Advice of Christmas — Part 3](https://viridianadvisory.com.au/market-insights/the-12-advice-of-christmas-part-3/): Part 3 of The 12 Advice of Christmas focuses on how December can be used not just to get through the season, but to gently set direction for the year ahead.
- [The 12 Advice of Christmas — Part 2](https://viridianadvisory.com.au/market-insights/the-12-advice-of-christmas-part-2/): When parents feel stretched, there can be a tendency to overcompensate at Christmas. My advice is to recognise your core family values. When children look back on their Christmases, it is rarely the gifts they remember. It is the time spent together and the traditions you created. – Ryan Scherini, WA
- [The 12 Advice of Christmas — Part 1](https://viridianadvisory.com.au/market-insights/the-12-advice-of-christmas-part-1/): Here are the first four of the 12 Advice of Christmas, drawn from conversations our advisers are having with Australians in the final days of the year.
- [Why more Australians are choosing to self-manage their super](https://viridianadvisory.com.au/market-insights/why-more-australians-are-choosing-to-self-manage-their-super/): Superannuation is one of the most significant investments Australians make in their lifetime, yet few truly understand where their money goes or how it’s managed. That’s why more Australians are choosing to take control of their retirement savings through a Self-Managed Super Fund (SMSF).
- [Smarter Ways to Buy Your First Home](https://viridianadvisory.com.au/market-insights/smarter-ways-to-buy-your-first-home/): You’ve run the numbers more than once. The savings account balance isn’t growing fast enough, and that 20% deposit feels like it’s drifting further out of reach. For many first-home buyers, this is a familiar story, and one that government schemes can help rewrite.
- [Quarterly Economic Update July](https://viridianadvisory.com.au/market-insights/quarterly-economic-update-july-2025/): This quarterly economic update delivered a complex mix of progress and ongoing challenges. While interest rate relief and a resilient housing market provided support at home, international developments, including rising trade tensions and geopolitical uncertainty, introduced new variables for investors to monitor.
- [Viridian Financial Group Welcomes Strategic Growth Investment from TA Associates](https://viridianadvisory.com.au/market-insights/viridian-financial-group-welcomes-strategic-growth-investment-from-ta-associates/): “Since Viridian’s founding nearly a decade ago, we have remained steadfast in our client-centric philosophy, focused on empowering Australians through holistic financial advice, innovative solutions and exceptional service,” said Raamy Shahien, Joint CEO and Executive Director at Viridian. “Having built a strong relationship with TA, and after collaborating closely with them to structure our partnership, we are confident that TA is the ideal partner to support Viridian’s growth and vision moving forward. Our partnership with TA marks a significant milestone in our journey, serving as both a recognition of our strong track record thus far and a catalyst for future growth as we continue to expand in an ever-evolving market.”
- [What’s the Fuss About the $3 Million Super Tax?](https://viridianadvisory.com.au/market-insights/whats-the-fuss-about-the-3-million-super-tax/): The government’s proposed tax on high super balances has sparked headlines and a fair bit of confusion. While the impact today is limited to a small group, it raises bigger questions about the future of super and how Australians should plan for retirement and legacy.
- [Quarterly Economic Update May 2025](https://viridianadvisory.com.au/market-insights/quarterly-economic-update-may-2025/): The past few months have served as a stark reminder of how sensitive investment markets can be to shifting economic conditions and political shocks, both at home and abroad. From Australia’s federal election upset to global sharemarket swings, surging gold prices and lingering cost-of-living pressures, investors have had no shortage of volatility to navigate.
- [The 9 Golden Rules of Investing](https://viridianadvisory.com.au/market-insights/the-9-golden-rules-of-investing/): Market dips can shake confidence, but for seasoned investors, they’re also a time to regroup, reassess, and even find opportunity. Successful investing isn’t about reacting emotionally to the news cycle. It’s about sticking to time-tested principles, understanding your strategy, and staying the course.
- [How Tariffs Ripple Into Aussie Households](https://viridianadvisory.com.au/market-insights/how-tariffs-ripple-into-aussie-households/): Recently, the U.S. has imposed higher taxes—called tariffs—on goods imported from overseas. These moves aim to reduce the U.S.'s trade deficit (where it buys more than it sells). But while tariffs are meant to protect local industries, they often come at a cost—higher prices for shoppers and slower global economic growth.
- [2025 Federal Budget Commentary](https://viridianadvisory.com.au/market-insights/budget-summary-and-commentary/): Australia’s 2025–26 Federal Budget aims to help with the cost of living, strengthen Medicare, invest in housing supply, support education, and build a stronger, more productive economy. While the economy remains exposed to global volatility, Australia is better positioned than many nations:
- [Celebrating Progress, Accelerating Action](https://viridianadvisory.com.au/market-insights/celebrating-progress-accelerating-action/): At Viridian Financial Group, we transformed International Women’s Day into a three-day celebration of knowledge-sharing, empowerment, and community-building. Between March 4 and 8, we hosted a series of hybrid events—both in person and online—aimed at sparking meaningful dialogue and driving lasting change. Here’s a look at our extended celebration and the insights we’ll carry forward.
- [ASX Reporting Season Wrap](https://viridianadvisory.com.au/market-insights/asx-reporting-season-wrap/): The webinar focused on the ASX reporting season for February 2025. The session aimed to unpack the key themes, highlights, and takeaways from the reporting season, and discuss their implications for the Australian market and portfolio positioning.
- [Quarterly Economic Update February 2025](https://viridianadvisory.com.au/market-insights/quarterly-economic-update-2/): While markets remained steady and consumer spending proved resilient, cost-of-living pressures and a cooling housing market continue to be key concerns. The Reserve Bank of Australia (RBA) remains cautious, balancing the need to manage inflation with supporting economic stability.
- [Reset, Refresh, Refocus for 2025](https://viridianadvisory.com.au/market-insights/reset-refresh-refocus-for-2025/): A brand-new year is here, and with it comes the perfect chance to take stock of your finances. Whether 2024 was filled with financial wins or a few bumps in the road, 2025 offers a fresh start to reset, refresh, and refocus. Here's our quick guide to kickstart your 2025 financial goals:
- [6 Festive Hacks for a Sustainable, Budget-Friendly Christmas](https://viridianadvisory.com.au/market-insights/smart-festive-hacks-for-a-sustainable-budget-friendly-christmas/): Just as the Grinch stole Christmas, excess spending can rob us of all yuletide happiness. Seasonal credit card splurges can create ballooning long-term debt, while unnecessary consumption inevitably leads to a blowout in rubbish bin waste.
- [Navigating the Post-US Election Landscape](https://viridianadvisory.com.au/market-insights/navigating-the-post-us-election-landscape/): This webinar delves into the aftermath of the recent U.S. election and explores its potential impact on global markets and the investment landscape. Piers Bolger, CIO of Infinity Capital Solutions, provides his analysis of key election outcomes, policy shifts, and market impacts that will highlight what lies ahead for investors. Access the summary notes and full presentation from this webinar here.
- [Passion & Purpose from Our FSPower50 Advisers](https://viridianadvisory.com.au/market-insights/passion-and-purpose-from-our-fspower50-shortlisted-advisers/): We’re excited to announce that three of our advisers Amanda Ragkousis, Clint McNally, and Kathy Havers, have been honoured with a spot on the list for the FSPower50 2024! This recognition is a nod to their dedication to championing the value of financial advice whilst delivering exceptional service to clients and the community. We sat down for a quick word with each adviser and got a glimpse into their passion for financial advice and the power it has to help clients live the life they choose.
- [Key Considerations for Property Investment in Superannuation](https://viridianadvisory.com.au/market-insights/key-considerations-for-property-investment-in-superannuation/): Superannuation is there for us when we retire. It's the longest-term goal an investor can have. Given the decades-long time horizon of residential real estate, it is no wonder that many invest in property in super. The price increases of property all over Australia have created wealth for many through their primary place of residence. Why not extend the strong returns to your retirement nest egg as well?
- [Quarterly Economic Update](https://viridianadvisory.com.au/market-insights/quarterly-economic-update/): Australia’s economy is still growing, though momentum has slowed in recent months. The Reserve Bank of Australia (RBA) is taking a measured approach to any changes in interest rates, holding off on adjustments as it closely monitors inflation trends. With inflation yet to stabilise, the RBA remains cautious, aiming to strike the right balance between supporting growth and controlling inflation.
- [Navigating Aged Care Changes](https://viridianadvisory.com.au/market-insights/navigating-aged-care-changes/): The Australian Government introduced the Aged Care Bill 2024 to Parliament on 12 September 2024. The Bill is for a new Aged Care Act and is in response for the final report from the Aged Care Taskforce, which made 23 recommendations aimed at reforming Australia's aged care system, specifically around fees and funding.  The report is a lot to navigate on your own so below I breakdown of some of the key proposals and the potential impacts before the Aged Care Act commences, which is expected from 1 July 2025.
- [The Value of Starting Early with Financial Advice](https://viridianadvisory.com.au/market-insights/starting-early-financial-advice/): Picture this: you’re catching up with friends, and the conversation drifts towards money — mortgages, credit cards, maybe even that dream holiday you’re saving for. For many, finances feel like a juggling act between bills, lifestyle choices, and occasional splurges. It’s easy to think that seeking financial advice is only for those with complex investments or nearing retirement. But the truth is, getting professional guidance early on can make all the difference. Finances aren’t just about balancing the books; they’re about creating a strategy that works for you today and sets you up for the future.
- [6 Steps to a Happy New Financial Year](https://viridianadvisory.com.au/market-insights/6-steps-to-a-happy-new-financial-year/): The new financial year offers a perfect opportunity for a fresh start with your finances. Imagine transforming this year into the one where you finally master your finances.
- [A different “End of Financial Year Sale”](https://viridianadvisory.com.au/market-insights/a-different-end-of-financial-year-sale/): With End of Financial Year fast approaching, it's likely you are getting bombarded with "EOFY SALE" promotions. But while most promotions are trying to get you to empty your pockets before June 30, the decision to see a financial adviser is a type of self-promotion that could pay dividends for years to come. So invest in yourself and welcome the end financial year by partnering with a financial adviser to get the most out of your investments, superannuation and insurance.

## Pages
- [Our Offices](https://viridianadvisory.com.au/office/): Founded in 2015 as part of Viridian Financial Group, Viridian Advisory was built on the belief that good financial advice can be life changing. Today, we are part of a national group of 450+ professionals delivering personalised, client-first advice to clients across Australia, with offices nationwide.
- [Search](https://viridianadvisory.com.au/search/)
- [In the Media](https://viridianadvisory.com.au/in-the-media/): Viridian Advisory is regularly called on by the media to provide expert commentary on financial topics that matter. By sharing our insights, we aim to empower Australians with the clarity and confidence to live the life they choose.
- [Aged Care Planning](https://viridianadvisory.com.au/our-services/aged-care/): Aged care decisions involve some of the most complex financial choices a family will face, from RAD and DAP accommodation payments to the family home, Centrelink entitlements and ongoing fee structures. Getting the right advice early can protect your assets and reduce unnecessary costs.
- [Estate Planning Services](https://viridianadvisory.com.au/our-services/estate-planning/): More than half of Australian adults don't have a will. Without a proper estate plan, the people you love most could face unnecessary stress, legal complications and financial loss at an already difficult time.
- [Income Protection Planning](https://viridianadvisory.com.au/our-services/insurance/): If you couldn't work tomorrow due to illness or injury, how long could your family manage financially? For most Australians, the answer is uncomfortable. The right personal insurance strategy means that an unexpected event doesn't become a financial crisis.
- [Investment Planning](https://viridianadvisory.com.au/our-services/investment-advice/): Building wealth doesn't happen by accident. Whether you're just starting to invest or managing a substantial portfolio, the right investment advice helps you make better decisions, reduce unnecessary risk and keep your strategy on track, whatever the market is doing.
- [Superannuation Planning](https://viridianadvisory.com.au/our-services/super/): Your super is likely your largest financial asset, but most Australians don't give it the attention it deserves until retirement is already close. Independent superannuation advice helps you make the most of what you're building, at every stage of your working life.
- [Retirement Planning](https://viridianadvisory.com.au/our-services/retirement-planning/): Around half of Australians approaching retirement worry they won't have enough money to last. The good news is that with the right plan in place, retirement can be one of the most financially rewarding stages of your life, not one of the most stressful.
- [Our Services – Financial Planning](https://viridianadvisory.com.au/our-services/): Retirement Planning
- [Find an Advisor](https://viridianadvisory.com.au/find-an-advisor/)
- [Complaints Policy](https://viridianadvisory.com.au/complaintspolicy/): This policy explains how you can make a complaint, our measures for handling your complaint, and the steps you can take if you are not satisfied with our response to your complaint or the time that it takes for us to respond.
- [Advice Process](https://viridianadvisory.com.au/our-advice-process/): Across all of our services, we’re focused on delivering a unique and rewarding client experience through a personalised approach and proven process.
- [Latest News & Financial Market Insights](https://viridianadvisory.com.au/market-insights/)
- [Contact](https://viridianadvisory.com.au/contact/): ContactUs Head Office Level 16, 55 Collins Street Melbourne VIC 3000 Call 1300 84 74 34 enquiries@viridianadvisory.com.au OurOffice Locations Victoria Ballarat Suite 4 Level 1 17 Armstrong Street South Ballarat Central VIC 3350 Camberwell Suite 4 Level 1 357 Camberwell Road Camberwell VIC 3124 Melbourne Level 16, 55 Collins Street Melbourne VIC 3000 Chirnside Park Suite 10 1 East Ridge Drive Chirnside Park VIC 3116 Geelong Level 4 Front Unit 1 49-51 Malop Street Geelong VIC 3220 Gippsland 48 Bair Street, Leongatha VIC 3953 Mount Waverley Suit 1.01 545-547 Blackburn Road Mount Waverley VIC 3149 Warragul 38 Queen Street Warragul VIC 3820 Williamstown 12/16 Parker St Williamstown VIC 3016 New South Wales Bondi Level 22 Westfield Tower Two Bondi Junction NSW 2022 Sydney Level 14 1 Margaret Street Sydney NSW 2000 Erina Suite 2.03a Platinum Building 4 Ilya Avenue Erina NSW 2250 Sutherland Level 1, Suite 3/1-7 Boyle Street, Sutherland NSW 2232 Orange Suite 3 259 Lords Place Orange NSW 2800 Parramatta Level 6 Suite 6003 The Barrington 10 Smith Street Parramatta NSW 2124 Penrith Ground Floor 395 High Street Penrith NSW 2750 Warners Bay Ground Floor Shop 8 6 King Street Warners Bay NSW 2282 Queensland Beenleigh 48 Kokoda Street, Beenleigh QLD 4207 Gold Coast Suite 4B Corporate Centre One Level 4 2 Corporate Court Bundall QLD 4217 Brisbane Level 29 Central Plaza 345 Queen Street Brisbane QLD 4000 Sunshine Coast Tenancy 2 Level 2 17 Duporth Avenue Maroochydore QLD 4558 Toowoomba 337 Margaret Street (Cnr Margaret St & West St) Toowoomba QLD 4350 Phone: 1300 84 74 34 Western Australia Perth Level 24 140 St Georges Terrace Perth WA 6000 Pinjarra T105-106 Pinjarra Junction Shopping Centre Corner George and James Street Pinjarra WA 6208 Rockingham Office 4 Level 1 5-7 Railway Terrace Rockingham WA 6168 Australian Capital Territory Canberra Ground Floor 73 Northbourne Canberra ACT 2600 South Australia Adelaide Level 23 (South) 30 Pirie Street Adelaide SA 5000 Tasmania Burnie 1 Alexander Street Burnie TAS 7320 Hobart Level 9, 39 Murray Street Hobart TAS 7000
- [Client Portal](https://viridianadvisory.com.au/client-portal/): Welcome to your personal access to your Investment Accounts
- [Privacy Policy](https://viridianadvisory.com.au/privacy/): This Privacy Policy applies to Viridian Financial Group Ltd (ABN 67 605 994 741) and its controlled entities including Viridian Advisory Pty Ltd, Viridian Private Wealth Pty Ltd, Enlighted Financial Solutions Pty Ltd, Infinity Capital Solutions Pty Ltd, Infinity Asset Management Pty Ltd, Infinity Portfolio Management Pty Ltd, Infinity Capital Finance Pty Ltd and Smart Move Home Loans Pty Ltd (the Viridian Group, Viridian, us, we, our).
- [Disclaimer](https://viridianadvisory.com.au/disclaimer/): This website has been prepared by Viridian Advisory Pty Ltd (ABN 34 605 438 042) (AFSL Number 476223) (VA)
- [Financial advice that empowers.](https://viridianadvisory.com.au/): Retirement Planning

## Teams
- [Kevin Nguyen](https://viridianadvisory.com.au/team/kevin-nguyen/): Kevin Nguyen is a Financial Adviser with a Master of Financial Planning, passionate about delivering client-centric advice that helps individuals and families feel confident and in control of their financial future.
- [Katherine Cairns](https://viridianadvisory.com.au/team/katherine-cairns/): Kath Cairns is a Senior Financial Adviser with more than a decade of experience helping individuals and families make confident financial decisions through every stage of life. Holding a Graduate Diploma of Financial Planning and as a licensed financial adviser.
- [Kiarna Schultz](https://viridianadvisory.com.au/team/kiarna-schultz/): I work with everyday Australians at all stages of life, whether they’re just starting or planning for retirement, who want to feel more confident about their financial future. A common question I help answer is, “Am I on track?” and what a comfortable future looks like for each individual.
- [Adam Christopher](https://viridianadvisory.com.au/team/adam-christopher/): Adam has over 25 years of experience in financial advice, with a strong background in helping clients build and protect their wealth. He has spent the past 10 years in private practice at Ivy Wealth and previously held the role of Senior Financial Planner at Commonwealth Financial Planning.
- [Troy Williams](https://viridianadvisory.com.au/team/troy-williams/): Troy enjoys helping people make sense of their financial world and giving them the confidence to make important decisions about their future.
- [Matt O’Brien](https://viridianadvisory.com.au/team/matt-obrien/): I’m a financial adviser with over seven years of industry experience, helping clients make confident, well‑informed decisions throughout every stage of life. I take a practical, holistic approach, bringing structure and clarity to everyday areas like investing, cash flow, superannuation and taxation, so advice actually fits real life, not just a spreadsheet.
- [Marcus Walsh](https://viridianadvisory.com.au/team/marcus-walsh/): I have over 23 years of experience in the financial planning industry, providing holistic, comprehensive advice to clients to help them achieve their goals and focusing on what matters to them. Strategic advice including superannuation, retirement planning, investments, SMSF's, annuities, estate planning, personal and business insurance.
- [Venetia Langlands](https://viridianadvisory.com.au/team/venetia-langlands/): Qualifications and Memberships
- [Lisa Taylor](https://viridianadvisory.com.au/team/lisa-taylor/): I’m an experienced advisor with a genuine passion for helping people make sense of their financial world. With an extensive background in the financial services industry, I enjoy working closely with clients to develop strategies that are not only well thought-out but also practical and achievable in everyday life.
- [Stephen Haug](https://viridianadvisory.com.au/team/stephen-haug/): Approaching a financial adviser can seem daunting at first; however Stephen ensures his clients have a positive experience. By exploring his client’s current situation and assisting them in discovering what is really important to them, he will help to articulate short, medium and long term goals that become the foundation of his advice.
- [Marsel Popov](https://viridianadvisory.com.au/team/marsel-popov/): Marsel is known for making advice feel straightforward and approachable, creating a trusted partnership with his clients. Outside of work, he enjoys surfing, travelling, and making the most of the coastal lifestyle.
- [Bernard Tan](https://viridianadvisory.com.au/team/bernard-tan-melbourne/): I’m a Financial Advisor with over eight years of industry experience, providing holistic financial advice across investment strategies, debt & cash- flow strategies, superannuation and SMSF planning, and retirement planning.
- [Josef Jindra](https://viridianadvisory.com.au/team/josef-jindra-sydney/): Qualifications and Memberships
- [Josef Jindra](https://viridianadvisory.com.au/team/josef-jindra/): Qualifications and Memberships
- [Peter Hasrouny](https://viridianadvisory.com.au/team/peter-hasrouny/): He is a professional member of the Financial Advice Association Australia (FAAA) and the SMSF Association, reflecting his commitment to high professional standards, ethical advice, and ongoing education. Peter is dedicated to building trusted relationships and delivering clear, practical advice that supports clients at every stage of their financial journey.
- [Jake Battelley](https://viridianadvisory.com.au/team/jake-battelley/): As a dedicated Financial Adviser based in Beenleigh, I specialise in helping everyday Australians navigate their financial journey with confidence. Whether you're a young accumulator just starting out, a growing family seeking protection, or a retiree looking to preserve wealth, I offer personalised advice across superannuation, insurance, and investment strategies. My approach is grounded in clarity, empathy, and long-term planning—ensuring each client feels informed and empowered. With a strong focus on building lasting relationships, I tailor solutions that align with your goals, lifestyle, and future aspirations. From simplifying complex financial products to guiding you through key life transitions, I’m here to support your financial wellbeing every step of the way.
- [Jeremy Hood](https://viridianadvisory.com.au/team/jeremyhood/): I understand the significant impact quality financial advice can have and take seriously the trust placed in me as an adviser. My focus is on helping clients make confident, well-informed decisions through structured, proactive planning that supports long-term financial security.
- [Bernard Tan](https://viridianadvisory.com.au/team/bernard-tan/): I’m a Financial Advisor with over eight years of industry experience, providing holistic financial advice across investment strategies, debt & cash- flow strategies, superannuation and SMSF planning, and retirement planning.
- [Michelle Ho](https://viridianadvisory.com.au/team/michelle-ho/): Michelle believes great financial advice starts with understanding. When clients feel heard and supported, they are better placed to make confident decisions when it matters most.
- [David Truong](https://viridianadvisory.com.au/team/david-truong/): With over a decade of experience in the financial planning industry, David is dedicated to helping clients make confident, informed decisions at every stage of life.
- [Anuja Gupta](https://viridianadvisory.com.au/team/anuja-gupta/): Anuja is driven by a genuine passion to help people achieve their financial goals. She strives to help clients identify their ideal life and customise strategies that not only meet their unique financial needs but also align with their broader life goals and objectives.
- [James Macnish](https://viridianadvisory.com.au/team/james-macnish/): 337 Margaret Street (Cnr Margaret St & West St) Toowoomba QLD 4350
- [Gina Zhang](https://viridianadvisory.com.au/team/ginazhang/): With experience in the financial services industry since 2008, I am a dedicated financial adviser committed to helping clients achieve their financial goals. Known for my caring and client-focused approach, I tailor strategies to each individual’s needs, empowering them to make informed decisions for a secure financial future.
- [Trent Schliefert](https://viridianadvisory.com.au/team/trent-schliefert/): Trent is a Financial adviser that has over 8 years of experience in the financial service industry having started predominately as a Personal and Business Insurance consultant. Trent has a strong technical background and always strives to ensure his clients receive exceptional service as part of their financial journey. Trent has experience in a broad range of advice areas which include Insurance, Superannuation and Investments, Cashflow and Debt Management. Trent has completed a Graduate Diploma in Financial planning and is close to completing a master's Qualification.
- [Angela Aspinall](https://viridianadvisory.com.au/team/angela-aspinall/): Angela holds a Master of Financial Planning and is an SMSF Specialist Advisor. She is passionate about delivering client-centric advice, with a particular focus on empowering women to achieve financial independence while providing peace of mind and a clear direction. Her mission is to help clients embrace and enjoy their life’s journey with confidence and financial security.
- [Wade Robinson](https://viridianadvisory.com.au/team/wade-robinson/): With over 10 years of diverse experience in financial planning, spanning both boutique firms and global financial institutions. His extensive background equips him to guide clients through complex financial landscapes, helping them make informed decisions that align with their long-term goals.
- [Vega Yan](https://viridianadvisory.com.au/team/vega-yan/): Vega is a caring and experienced financial advisor with over 8 years in the industry, specialising in retirement planning and investment advice. As a proud member of the Financial Advisers Association of Australia (FAAA), Vega was awarded with the Woman in Finance Scholarship in 2022.
- [Daniel Conterno](https://viridianadvisory.com.au/team/daniel-conterno/): I'm passionate about partnering with clients to help them make informed financial decisions that will better position them to protect, grow and spend their wealth with confidence.
- [Mark Harding](https://viridianadvisory.com.au/team/mark-harding/): Mark is friendly, knowledgeable, and enjoys helping people retire with peace of mind ensuring that they enjoy life and live comfortably.
- [Vivian Rudra](https://viridianadvisory.com.au/team/vivian-rudra/): As a dependable, patient and detailed oriented individual, I believe in understanding human emotion and numbers, to turn dreams into reality. I am of the view that financial freedom is achievable for most of us; when you can define intent & move forward with purpose and this is where I come in for my clients.
- [Virginnia Hottes](https://viridianadvisory.com.au/team/virginnia-hottes/): Virginnia is passionate about providing trusted advice to high net worth individuals, company executives and family offices. Virginnia is a Certified Financial Planner and has over 35 years experience in Financial Services, including 18 years as an Executive Financial Planner at Westpac Private Bank.
- [Vince Lucifero](https://viridianadvisory.com.au/team/vince-lucifero/): Vince Lucifero is a Senior Financial Advisor with over 25 years of experience in financial planning. He advises clients on retirement planning, personal protection, self-managed superannuation funds, investment advice and superannuation. A member of the Financial Advice Association Australia (FAAA), over the past 25 years Vince has regularly been recognised as one of the top-performing planners and in recognition, has attended numerous national conferences.
- [Tonina Ciarrocchi](https://viridianadvisory.com.au/team/tonina-ciarrocchi/): Tonina has been in the Financial Planning industry since 2001 with 17 years prior tenure in senior roles at Centrelink. With vast experience in Financial Planning, between Financial Institutions and in the boutique space, Tonina is well positioned to assist clients in making appropriate strategic decisions in the financial world.
- [Steven Guy](https://viridianadvisory.com.au/team/steven-guy/): I enjoy listening deeply to your needs, prioritizing your interests over my own.
- [Sam Khan](https://viridianadvisory.com.au/team/sam-khan/): I have over 10 years of experience in providing comprehensive financial advice for wealth accumulation, risk advice and retirement planning which includes strategies related to superannuation, investment, insurance/risk, retirement income, retirement planning, taxation planning, aged care and Centrelink to clients.
- [Sheena Vohra](https://viridianadvisory.com.au/team/sheena-vohra/): I am passionate about Financial Planning and helping clients achieve their financial goals. I have over 12 years of experience in providing comprehensive financial advice for wealth accumulation, risk advice and retirement planning which includes strategies related to superannuation, investment, insurance/risk, retirement income, retirement planning, taxation planning, aged care and Centrelink to clients. I have strong working knowledge and understanding of the financial services industry and regulatory environment. Work collaboratively with clients to understand their personal, financial and lifestyle requirements, risk appetite and prepare financial advice strategies tailored to their specific financial needs with their best interest in mind.
- [Shane Fisher](https://viridianadvisory.com.au/team/shane-fisher/): I am a self-driven financial services professional. I believe strongly in compliance and that industry changes should be embraced. Having gained broad experience in a variety of positions, I have enhanced both my risk and investment knowledge. Developing strong relationships with clients and stakeholders is essential to providing quality advice and outlining the best customer experience.
- [Zoe Midwinter](https://viridianadvisory.com.au/team/zoe-midwinter/): Zoe’s passion lies in getting to know her clients on a personal level. Throughout her 20 years in the financial services industry, Zoe has built trusted relationships with clients at all stages of life, each with their own unique needs and goals.
- [Steve Hill](https://viridianadvisory.com.au/team/steven-hill/): Specialising in retirement planning, Steve is dedicated to helping his clients understand and appreciate their financial aspirations so they can live the retirement lifestyle they desire.
- [Stephen Manassah](https://viridianadvisory.com.au/team/stephen-manassah/): Stephen Manassah is a member of the Financial Advice Association Australia (FAAA) and the Tax Institute.  Following a corporate career in superannuation, tax and asset management, Stephen has been providing personal financial advice since 2011.
- [Shaun Au](https://viridianadvisory.com.au/team/shaun-au/): With over 17 years of experience in financial planning in the boutique space and global institutions, Shaun is well-positioned to assist clients in making appropriate strategic decisions in their financial world.
- [Selva Kathiresan](https://viridianadvisory.com.au/team/selva-kathiresan/): As a Senior Financial Advisor, my utmost focus is on building strong relationships with my valued clients. I firmly believe that these relationships serve as the key to understanding their needs holistically and establishing a solid roadmap towards achieving their financial goals.
- [Sascha Krummrey](https://viridianadvisory.com.au/team/sascha-krummrey/): With over 30 years of experience in financial planning both in Australia and overseas, I pride myself on being approachable and empathetic with my clients. I encourage them to pursue financial freedom and certainty through a range of services. This includes Retirement planning, Investment planning, Risk management, Tax Management, Succession Planning, Superannuation Planning, and Complex Investment Structures. I achieved Best Risk Awards, years 2015 to 2017 with Lonsdale Financial Group.
- [Samantha Kiely](https://viridianadvisory.com.au/team/samantha-kiely/): Sam believes in developing ongoing relationships with clients that are built on trust and respect, leading to a deep understanding of the goals they want to achieve to live a comfortable lifestyle. Sam specialises in investments, planning for retirement and superannuation advice.
- [Ryan Scherini](https://viridianadvisory.com.au/team/ryan-scherini/): I enjoy what I do because I love making a meaningful difference in my clients’ lives. Guiding my clients through the complex world of rules and numbers and putting it in a way that helps them feel secure and that they can achieve their goals is extremely rewarding. Everyone has a unique situation that requires personalised solutions; finding this solution and working closely with my clients is why I come to work every day.
- [Rodman Lu](https://viridianadvisory.com.au/team/rodman-lu/): Rodman is passionate about having a deep understanding of his client’s situation and their goals, to help them live the life they desire.
- [Raymond Tran](https://viridianadvisory.com.au/team/raymond-tran/): I am passionate about helping my clients to live the lives they choose. I pride myself on my deep understanding of my clients’ situations and goals as well as my strong and enduring relationship with my clients on their life journey.
- [Premjit Uberoi](https://viridianadvisory.com.au/team/premjit-uberoi/): Prem has two decades of experience in helping clients build and protect their wealth. He has specific expertise in tax-effective strategies to help build wealth faster and allow an early retirement. He is also skilled in providing superannuation advice to public servants and members of the Defence Forces.
- [Pradan Yeluri](https://viridianadvisory.com.au/team/pradan-yeluri/): I am an Executive Advisor with over ten years of experience in providing comprehensive financial advice for wealth accumulation, risk advice and retirement planning, which includes strategies related to superannuation, investment, insurance/risk, retirement income, retirement planning, taxation planning and Centrelink to clients.
- [Phil Sheridan](https://viridianadvisory.com.au/team/phil-sheridan/): With over 30 years of experience in financial advice, Phil is passionate about helping his clients by listening, understanding, and providing the right solution for their retirement needs.

## Australian Equity
- [SMID Aust Equity Portfolio Factsheet](https://viridianadvisory.com.au/aus_equity/smid-aust-equity-portfolio-factsheet/)

## Multi Asset
- [Diversified Fixed Income Portfolio Factsheet](https://viridianadvisory.com.au/multi_asset/diversified-fixed-income-portfolio-factsheet/)

## Offices
- [Viridian Advisory Hobart](https://viridianadvisory.com.au/office/viridian-advisory-hobart/): Welcome to Viridian Advisory Hobart, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Toowoomba](https://viridianadvisory.com.au/office/viridian-advisory-toowoomba/): Welcome to Viridian Advisory Toowoomba, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Camberwell](https://viridianadvisory.com.au/office/viridian-advisory-camberwell/): Welcome to Viridian Advisory Camberwell, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Ballarat](https://viridianadvisory.com.au/office/viridian-advisory-ballarat/): Welcome to Viridian Advisory Ballarat, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Beenleigh](https://viridianadvisory.com.au/office/viridian-advisory-beenleigh/): Welcome to Viridian Advisory Beenleigh, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Sydney](https://viridianadvisory.com.au/office/viridian-advisory-sydney/): Welcome to Viridian Advisory Sydney, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Bondi](https://viridianadvisory.com.au/office/viridian-advisory-bondi/): Welcome to Viridian Advisory Bondi, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Williamstown](https://viridianadvisory.com.au/office/viridian-advisory-williamstown/): Welcome to Viridian Advisory Williamstown, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Warragul](https://viridianadvisory.com.au/office/viridian-advisory-warragul/): Welcome to Viridian Advisory Warragul, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Warners Bay](https://viridianadvisory.com.au/office/viridian-advisory-warners-bay/): Welcome to Viridian Advisory Warners Bay, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Sunshine Coast](https://viridianadvisory.com.au/office/viridian-advisory-sunshine-coast/): Welcome to Viridian Advisory Sunshine Coast, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Rockingham](https://viridianadvisory.com.au/office/viridian-advisory-rockingham/): Welcome to Viridian Advisory Rockingham, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Pinjarra](https://viridianadvisory.com.au/office/viridian-advisory-pinjarra/): Welcome to Viridian Advisory Pinjarra, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Geelong](https://viridianadvisory.com.au/office/viridian-advisory-geelong/): Welcome to Viridian Advisory Geelong, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Gippsland](https://viridianadvisory.com.au/office/viridian-advisory-gippsland/): Welcome to Viridian Advisory Gippsland, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Gold Coast](https://viridianadvisory.com.au/office/viridian-advisory-gold-coast/): Welcome to Viridian Advisory Gold Coast, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Melbourne](https://viridianadvisory.com.au/office/viridian-advisory-melbourne/): Welcome to Viridian Financial Advisory Melbourne, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Sutherland](https://viridianadvisory.com.au/office/viridian-advisory-sutherland/): Welcome to Viridian Advisory Sutherland, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Mount Waverley](https://viridianadvisory.com.au/office/viridian-advisory-mount-waverley/): Welcome to Viridian Advisory Mount Waverley, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Orange](https://viridianadvisory.com.au/office/viridian-advisory-orange/): Welcome to Viridian Advisory Orange, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Parramatta](https://viridianadvisory.com.au/office/viridian-advisory-parramatta/): Welcome to Viridian Advisory Parramatta, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Penrith](https://viridianadvisory.com.au/office/viridian-advisory-penrith/): Welcome to Viridian Advisory Penrith, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Perth](https://viridianadvisory.com.au/office/viridian-advisory-perth/): Welcome to Viridian Advisory Perth, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Erina](https://viridianadvisory.com.au/office/viridian-advisory-erina/): Welcome to Viridian Advisory Erina, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Canberra](https://viridianadvisory.com.au/office/viridian-advisory-canberra/): Welcome to Viridian Advisory Canberra, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Burnie](https://viridianadvisory.com.au/office/viridian-advisory-burnie/): Welcome to Viridian Advisory Burnie, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Brisbane](https://viridianadvisory.com.au/office/viridian-advisory-brisbane/): Welcome to Viridian Advisory Brisbane, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Adelaide](https://viridianadvisory.com.au/office/viridian-advisory-adelaide/): Welcome to Viridian Advisory Adelaide, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Advisory Chirnside Park](https://viridianadvisory.com.au/office/viridian-advisory-chirnside-park/): Welcome to Viridian Advisory Chirnside Park, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.

## Global Section
- [Latest News](https://viridianadvisory.com.au/market-insights/global-sections/latest-news/)