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straight talking financial advice & education

There is only one success, to be able to live life on your own terms!
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what we do

Services

Our role is to guide you from where you are today to where you want to be in the future. 

We do this by giving you the information you need to make informed decisions and help you put your plan into action so you make real progress!

We are a fee for service business, so you know exactly how much you'll pay before using our services and the value you'll receive.

Alignment Session

Complimentary 20 minute online meeting to meet our team and decide if we're the right advisers for you.

$0

  • Discuss your financial goals.

  • Discuss your options.

  • Learn more about our services.

  • Decide if we're the right fit for you.

We work with:

  • Under 30s just starting out.

  • Under 50s paying off a mortgage.

  • Over 50s planning retirement.

 Let's Chat

Strategy Session

Deep dive into various strategies so you truly understand the options you can take to achieve your financial goals.

$2,200

  • Everything in the Alignment session +

  • Set clear financial goals.

  • Deep dive into various strategies.

  • Truly understand your options.

This session is ideal for learning about:

  • How to get on the property ladder.

  • How to pay your mortgage off sooner.

  • How to set yourself up for retirement.

 Let's Chat

Personal Advice

A detailed financial plan which aligns with your financial goals so you can start making real progress.

$6,600

  • Everything in the Strategy session +

  • Personalised financial plan.

  • Step-by-step action plan.

  • Plan implementation.

Personal advice is ideal for those wanting:

  • A clear financial plan.

  • Specific product recommendations.

  • Money systems to stay on track.

 Let's Chat

Your time is limited, so don't waste it living someone else's life.
what we do

How We Can Help You

No matter what stage of life you're in, having a clear financial plan is essential for moving ahead in life with confidence.

Learn more about some of the strategies available to you.

Under 30s

You don't need to give up oat milk lattes to get head - what you need is a clear plan that aligns with your goals and values so you can live life on your own terms!

Under 50s

It feels impossible to get ahead while balancing a mortgage, kids, and the rising cost of living - which is why having a clear financial plan is essential for breaking free!

Over 50s

You've worked and saved hard all your life, but a fulfilling retirement doesn't just happen - what you need is a clear plan that enables you to enjoy financial freedom!
GET STARTED

The ultimate reason for setting goals is to entice you to become the person it takes to achieve them!
meet richard gough

Welcome!

Healthy Personal Finances was founded in 2013 by licenced financial adviser, father of two, and self confessed numbers geek Richard Gough.

Our purpose is all about empowering you to take control of your financial future so you have the freedom to live life on your own terms.

We do this by giving you the information you need to make smart financial decisions that align with your goals and vision for the future.

We go well beyond the numbers - we're here to support and guide you every step of the way on your journey to financial independence!
ABOUT US

If you don't find a way to make money while you sleep, you will work until you die.
get in touch

Contact Us

Submit your question here and we'll get back to you shortly!
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Level 27/101 Collins Street, Melbourne, VIC, 3000

(03) 9653 7433
Legal stuff

General Advice Warning

This website is published by Richard Gough (No 435801) of Healthy Financial Advice Pty Ltd trading as Healthy Personal Finances. Healthy Financial Advice Pty Ltd is a Corporate Authorised Representative (No 1265588) of Synchron Advice Pty Ltd (ABN 33 007 207 650), AFSL 243313.

The information contained in this website and any of the resources available through it including eBooks, fact sheets and seminars (‘Content’) has been prepared for general information purposes only and is not (and cannot be construed or relied upon) as personal advice.

No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the Content. Financial products entail risk of loss, may rise and fall, and are impacted by a range of market and economic factors, and you should always obtain professional advice to ensure trading or investing in such products is suitable for your circumstances.

Under no circumstances will any of Healthy Personal Finances, Synchron Advice Pty Ltd, its officers, representatives, associates or agents be liable for any loss or damage, whether direct, incidental or consequential, caused by reliance on or use of the Content.

This Content is restricted to Australian residents and is for the intended recipient only. From time to time, Healthy Personal Finances representatives or associates may hold interests in or transact in companies or products mentioned herein, and may receive fees or other benefits, in connection with the making of any recommendation or facilitating a transaction in such companies or products.