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Chartered Financial Planners Mornington Peninsula

Independant Financial Advice to help you manage, grow and protect your wealth

(03) 8560 2846
0451 355 357

Mornington Peninsula’s Financial Planners for Strategic Wealth Growth & Stability

Plan Ahead for a Brighter Tomorrow

A financial plan isn’t just about managing money. It is about unlocking freedom, confidence, and peace of mind. At Harper Financial Group, we design strategies that empower you to live on your terms, pursue your passions, and leave a meaningful legacy—all while securing the future you deserve.

Why Expert Financial Planning Wins

Certified financial advisors don’t just manage money—they design futures. At Harper Financial Group, our AFSL-licensed professionals combine rigorous expertise with personalised strategies to protect your assets, grow your wealth, and secure the legacy you envision. Partner with Melbourne’s most trusted advisors and turn complexity into clarity.

Ready to transform your tomorrow?

Book a FREE Consult!

When do you need a Financial Planner?

Whether you work full-time, run a business, our independent financial advice ensures your money supports your goals. You need expert financial advice during life’s biggest changes:
  • Starting a family or paying for your child’s education.
  • You received an inheritance or unexpected money. We help you manage it wisely.
  • Planning retirement.
  • Growing a business or handing it to family or successors.

Your Financial Journey, Simplified.

We don’t just create plans - we build partnerships to help you thrive at every stage of life

Here’s how our Financial Planners at Harper Financial Group can empower your goals.

Book a Consultation
  • Get Started and Set Your Family Up for Success

Protecting your family starts with clarity. We help you budget for education costs, draft wills, and set up emergency funds so your loved ones stay secure—no matter what life throws your way. Whether you’re new parents or planning an inheritance, we turn uncertainty into confidence.

  • Build Wealth and Pursue Your Goals

We develop tax-efficient investment strategies that grow your wealth while aligning with your financial goals. As your priorities evolve, our adaptable wealth creation plans ensure your money continues to work for you – helping your achieve long-term financial success.

  • Prepare for Retirement and Beyond

Retirement should mean freedom, not stress. We optimise your superannuation, explain pension rules, and create long term income plans so you know exactly when—and how—you can retire comfortably. For business owners, we streamline SMSFs to maximise returns.

  • Prepare for Retirement and Beyond

Retirement is just the beginning. We help you manage income streams, reduce tax on pensions, and plan aged care funding. Want to travel, volunteer, or spoil the grandkids? We ensure your savings last so you can enjoy every moment.

The Harper Financial Planning Process

Understand your story

We start by listening. In a relaxed meeting, we ask about your income, debts, goals, and worries. Want to retire early? Sell your business? Protect your family? We take notes and clarify details. This isn’t about numbers—it’s about your life. By the end, we’ll know exactly how to help you feel financially secure.

Build your personalised plan

Next, we turn goals into actions. We explain tax-saving strategies, investments, and risks in plain English. You will see timelines, costs, and projections upfront. No jargon—just a roadmap anyone can follow.
certified asset protection accountant melbourne protecting your assets

Protect what matters most

Life is unpredictable. We safeguard your plan with insurance checks, emergency funds, legal reviews (like wills or trusts), and comprehensive asset protection strategies. Our asset protection service ensures your wealth remains secure, shielding you from financial and legal risks. If markets crash or you lose your job, we adapt fast. Think of this as a seatbelt for your money—it keeps you safe while you live life.

Regular reviews and support

Your financial plan should evolve as your life does. We provide ongoing support with regular reviews to track progress, refine strategies, and address new financial opportunities – whether it is business growth, retirement planning, or a grand child’s education. Our team is always here when you need us, ensuring your wealth continues to grow steadily, even as life changes. Need a quick advice? Call us anytime for expert guidance.

Independent Financial Advice You Can Trust

Get expert, conflict free financial guidance to grow and protect your wealth. Whether it’s investment planning, tax strategies, or retirement advice, we provide independent solutions tailored to your goals.

Book a Consultation
(03) 8560 2846
BOOK A CONSULT

Financial Planning Designed for You

Expert Financial Planning to Help You Achieve Your Goals

Retirement Planning

Planning for retirement means more than saving money—it’s about living comfortably and stress free. We create personalised superannuation strategies to maximise your savings while reducing tax. Whether you want to retire early, travel, or support family, we explain pension rules, investment options, and government benefits in plain English. For business owners, we optimise Self-Managed Super Funds (SMSFs) to grow assets faster. Our team reviews your plan yearly, adjusting for health changes, market shifts, or new goals. With Harper Financial Group, you’ll know exactly how much you need, where it’s invested, and how to access it—no surprises.

Business Financial Advice

Running a business is tough—managing cash flow, taxes, and growth shouldn’t be. We help SMEs and entrepreneurs cut costs, plan exits, and secure loans with competitive rates. For family businesses, we create succession plans to transfer ownership smoothly, avoiding family disputes or tax traps. If you’re expanding, we analyse risks and recommend funding options (grants, investors, or reinvested profits). From start ups to established firms, we turn financial chaos into clear, actionable steps.

Wealth Management

Growing your wealth requires smart choices, not guesswork. We help you build diverse investment portfolios with shares, property, or ethical funds that match your risk tolerance. For high earners, we focus on taxfriendly structures like trusts or managed accounts to keep more of your profits. If you’ve inherited money or sold a property, we’ll design a plan to protect it from market drops or inflation. Our certified financial advisors monitor your investments monthly and explain performance in simple terms. Whether you’re saving for a home or building generational wealth, we make every pound work harder for you.

Estate Planning

Protecting your family’s future starts today. A comprehensive approach in estate planning requires coordinating the transition of assets and wealth help in family trusts, companies, business enterprises and superannuation funds. An effective estate plan will cover the succession of business ownership and interests. Our advisors can alleviate the emotional strain and confusion often associated with estate planning, providing you with the peace of mind that comes from having a professional navigate the complexities on your behalf.

Our Professional Affliations

Certified Financial Planner Mornington | Licensed Financial Planning Specialist

When choosing an SMSF financial advisor or a business accountant you should look for qualifications and licenses including, AFSL License, Chartered Accountant, SMSF accreditation and SMSF Specialist Adviser SSA®. Harper Financial Group’s financial advisors hold these qualifications. Harper Financial Group (HFG) is the parent company of Seaside Financial Solutions. HFG holds AFSL License No. 313207.

Let’s Build Your Financial Future

Get in touch today!

Your financial goals deserve expert guidance and a clear strategy. At Seaside Financial Solutions, our AFSL-licensed financial planners in Mornington help you make informed decisions to grow, protect, and manage your wealth. Whether you’re looking for investment planning, superannuation advice, or tax-efficient wealth strategies, we’re here to help.

Book a free consultation today and take the first step toward a secure financial future. Call us or fill out our contact form we’ll be in touch soon!

Call us at (03) 8560 2846 or 0451 355 357

Mornington Office

Suite 3, Level 1/211 Main St, Mornington VIC 3931

Frankston Office

3/506 Nepean Hwy, Frankston
VIC 3199

Book a FREE Consult!

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financial planners mornington melbourne

Harper Financial Group is a trusted accounting and financial advisory firm in Mornington Peninsula, specialising in business accounting, tax planning, SMSF services, and wealth management. Our accountants and financial planners provide independent, strategic advice to help businesses and individuals optimise tax, grow wealth, and secure financial stability. Book a consultation today and take charge of your financial future.

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