Certified Independent Financial Advisor

We specialise in independent superannuation advice & retirement planning advice across Sydney.

Independent Financial Advice & Planning.

Our independent financial & wealth advisory service is open to clients across greater Sydney.

We are here to help you create, improve and protect your personal wealth in order for you to achieve your life goals.

Who We’re For

plutus-financial-advice-sydney-Independent-Financial-Advice-Planning-600

plutus-financial-advice-sydney-Superannuation-Advice-600

Specialising in Retirement Planning & Independent Superannuation Advice.

We offer consultation on personalised wealth management strategies, as well as succession plans.

Our purpose is to ensure you have the highest probability of achieving what’s important to you in life.

What We Do

A Sense of Community.

We work with clients who share our sense of community, and who like us, care about the people and environment around them.

We believe financial advice is very personal and based on solid relationships. We are here to see you realise your most important goals and aspirations.

About Us

plutus-financial-advice-sydney-sense-of-community-600

Our Mission:

To deliver tailored independent financial advice and financial planning services with integrity, excellence and purpose.

Our Vision:

We want to empower families to achieve their life objectives, leading positive change and create a better world for future generations.

Why choose an Independent Financial Advisor?

Vince Lam and his team offer trusted independent financial advice and planning. This means advice is completely independent and tailored to your needs and goals. Without referral fees or kickbacks for recommendations.

Our independence means that we don’t accept or charge the following:

Commission

There is no commission on our independent financial advice.

Asset-based Fees

We do not charge our clients asset-based fees.

Referral Fees

We do not receive or accept referral fees.

Kickbacks

We only offer certified independent financial advice.

Frequently Asked Questions:

What is independent financial advice?

We are certified independent.

The CIFAA’s seal of approval shown on our website helps Australians select a financial adviser who operates without receiving incentives and without conflict.

Members of CIFAA are not aligned with banks, financial institutions, super funds or insurance companies.

To qualify, financial advisors must satisfy these criteria:

Have no ownership links or affiliations with financial institutions, super funds or insurance providers.
Not accept commissions or volume based payments related to the placement of a financial product.
Not receive any other gift or remuneration that may reasonably be expected to influence the advice provided.

What is a financial advisor and what are the services one offers?

A financial advisor is a professional who provides personalised financial guidance and advice based on your individual financial goals and circumstances.

We are here to help create a comprehensive financial strategy to achieve your short-term and long-term financial objectives. We offer a range of services including investment planning, retirement planning, tax planning, estate planning, risk management, superannuation advice and more.

Why are financial advisors important?

Financial advisors help individuals and families make informed decisions about their finances. Our expertise and knowledge can assist you in creating a tailored financial plan that aligns with your goals.

We help you navigate complex financial matters, optimise investments, manage risks, and adapt your plan as your life circumstances change.

What can I expect during a consultation with a financial advisor?

During a consultation, we will typically start by getting to know you, your life goals, risk tolerance, and current financial situation. We also want to understand your short-term and long-term objectives, whether it’s saving for retirement, buying a home, funding education, or other financial goals.

Based on this information, we will endeavour to provide insights.

This initial meeting is an opportunity for you to assess whether the advisor’s approach aligns with your needs and comfort level.

How can I prepare for my first meeting with a financial advisor?

Before your first meeting, take some time to think about your life goals, both short-term and long-term. Consider any questions you have regarding our approach to financial planning. It’s advised that you gather relevant financial documents, such as bank statements, investment account statements, and insurance policies.

The more information you provide, the greater we will be able tailor advice to your specific needs.

How do financial advisors determine personalised strategies for clients?

Financial advisors determine strategies by conducting a thorough analysis of your financial situation.

We consider factors such as your income, expenses, assets, debts, risk tolerance, time horizon, and future goals. Using this information, we create a personalised financial plan that may involve investment allocation, tax-efficient strategies, retirement planning, and more.

We are here to empower you to make better financial decisions in business and life

Meet Vince Lam

MAppFin BCom CPA MAICD JP

Principal Consultant

Vince is an Accountant and an Independent Financial Advisor with over two decades of industry experience.

He has worked for blue chip organisations such as Deloitte, ABN Amro, AMP, HSBC, Westpac & Energy Australia.

His academic qualifications include a Master of Applied Finance from the Macquarie University Applied Finance Centre and a Bachelor of Commerce degree from the University of Sydney.

He holds the Certified Practising Accountants (CPA) designation, is an Accredited Aged Care Professional and is currently a member of the Australian Institute of Company Directors.

One of Vince’s personal passions is his work in philanthropy. In past and present Vince has actively supported a number of organisations and causes, including Room to Read, Deaf Connect and has also established his own philanthropic organisation.

Vince is currently a board director of the well-respected Deaf Connect, as well as a Justice of the Peace (JP) of New South Wales.

More About Vince

Testimonials From Our Clients

“Vince demonstrates integrity, compassion, kindness and goes above and beyond for his clients. We were fortunate enough to meet him and his team at Plutus Financial Guidance. Vince delivers independent financial advice and helped us realise our goals, values and vision. He is a brilliant independent financial planner, Vince has coached us to see what’s important to us and how best to achieve that. Thank you Vince!”

“We engaged Vince and his team to provide independent financial advice regarding our parents transition into aged care. He was highly recommended to us by our accountant and after a number of meetings with Vince to identify our parents needs we received a detailed easy to read report modelling different scenarios based on financial outcome. Vince has a caring approach towards his clients during what is often a difficult confusing time trying to navigate the aged care system. We highly recommend Vince and his team at Plutus Financial Guidance. The advice and independent financial planning they provided to make informed choices was worth the fee. Mum and Dad are going well and we feel they are in the best care available due to their help.”

“Vince is my personal independent financial advisor and sounding board. Since working with Vince over the past year, I’ve become more confident in my financial choices. Vince’s expertise, coupled with the fact that he is an independent financial planner, has been helpful in creating a better financial future for myself and future family. As a person who had saved money my whole working life and not invested or thought about setting myself up for success, I wish I did this earlier! Thanks Vince and team Plutus Financial Guidance for all your support and expertise so far.”

“Vince and Plutus Financial Guidance helped my wife and I improve our financial position and competency. They provided us with independent financial advice, retirement planning advice and guidance on a broad range of services that helped us reach our life objectives. As an independent financial planner, Vince also provides a holistic approach to our financial and personal wellbeing. We are grateful for all that he and Plutus Financial Guidance has done for us.”

“Vince was able to provide me with great independent financial planning advice which gave me the
confidence to make my family’s financial decisions moving forward. He is an extremely thorough
independent financial advisor and he really took the time to listen while at the same time ensuring
he asked many questions to understand my situation. Thank you Vince for the advice, I really
appreciate it.”

“I never thought I would need a financial planner in my life. I was dead wrong. In taking the leap of faith in engaging Vince, he has proven to be a great advisor, coach and friend, in helping me understand how to reach my financial goals sooner. I’ve found that the most valuable aspects of his services are Vince’s dedication and efforts to explain everything to you and knowing that he is an independent advisor without any attachment to a particular brand or service. He has a well balanced and professional approach to his work, giving me such confidence that my finances are in trusted and knowledgeable hands. Thanks Vince!”

“With the help of Vince’s financial expertise and wealth of knowledge, it was an eye opener with my financial situation. I thought I was ok, but I was taking on too much debt and had no financial direction or goals in place for the long term. I now understand what steps I need to take to provide for my family to build financial security when I reach retirement age. Most importantly, I see Vince as an independent financial advisor who guides me in the right direction rather than push products or services on to me. That point of difference and his down to earth nature made it a no brainer in taking him on as my advisor. I highly recommend Vince’s services to anyone who wants peace of mind about their financial future and looking for a quality advisor who genuinely cares for their clients. Thank you Vince for giving me and my family invaluable advice over the years.”

“Plutus Financial Guidance have provided a financial advisory service second to none. Vince took the time to really understand our circumstances and needs. It’s been great working with Vince, he is always helpful and accessible anytime we have questions. He has brought clarity and comfort around our financial plans for the future.”

“Vince has been able to provide independent financial advice based on our needs. He and his team at Plutus Financial Guidance have been particularly helpful and calm during the uncertainty of the markets during the pandemic. He has a way of explaining the benefits of taking a particular financial direction that is easy to understand and encouraging. Vince takes the time to step back and wait until we are ready to decide what decisions will best benefit our particular financial needs. As Vince says “We always have your back”.”