Do you want to create your own financial future?

Click this link to see How We Can Help You and to complete our 5 Minute Health Check.

The above link will provide you with a 3 Step Guide
Step 1 – Interactive Life Event tool to explain how we can assist you
Step 2 – 5 Minute Financial Health Check to determine your financial priorities
Step 3 – Financial Services Guide with important information about us and our business

When you complete and submit your 5 minute Health Check, we will email your results and arrange for a no cost initial consultation at a suitable time.

For further information, read below.

Superannuation and SMSF

As the Government encourages Australians to take responsibility for and reach their financial retirement goals, citizens are repeatedly required to deal with superannuation funds. Self-managed superannuation is a means of saving for retirement. It enables you to control your investment strategy, reduce tax while obtaining tax benefits, and control administration costs.

Superannuation law is a delicate area and personalised planning is required for each individual. The team at Nicol & Nicol are superannuation professionals who can assist in establishing a superannuation fund that will effectively enable you to reach your financial retirement goals.

Services we offer include:

  • Establishing self-managed superannuation funds
  • Advice on personal risk insurance for members
  • Superannuation audits*
  • Advice on compliance matters
  • Advice on taxation benefits*
  • Advice on employer obligations*

Planning for retirement

‘Retirement’ has a different meaning today than it did a few decades ago. We now often hear of people ‘transitioning into retirement’. This simply means moving slowly from full-time work, to part-time or reduced hours, and then eventually to full retirement.

Generally, people are:

  • Living longer (often into our 90s)
  • Working for longer (often into our 70s)

Most people begin to think seriously about retirement when they reach their 50s. By this time, children have commonly left the nest, debt is often paid down and there is a bit of extra money to spare.

A well-devised and considered plan enables you to stay on track to achieve what is important to you. No two plans are the same – your plan is unique to your needs and what is important to you.

The right plan will include a strategy that will enable you to save, giving you a viable income when your current income slows down or stops. It will also take into account all options available to you, including superannuation.

Because life keeps changing, your retirement plan needs to be fluid too. The team at Nicol & Nicol will review your plan with you regularly to make sure you are still on track with your old, or new, goals.

Wealth creation and protection

Investing your money can help you make your savings work harder for you and it’s a good time to consider starting an investment portfolio so you can start building wealth for you and your family.

One of the ways to continue to build your investment portfolio is to simply keep adding to it on a regular basis. With a regular investment plan you can continue to build your investment over time. And by putting money into an investment portfolio can earn you a higher return.

With a family to look after, unforeseen events and a mortgage to manage you can’t afford to be off work. If illness or injury stopped you from working for an extended period, could you keep paying your bills?

A will not only looks after the distribution of your assets once you pass away, it can also be used to appoint a guardian for any children you have who are under 18 years of age

Taking out personal insurance can:

  • Give you peace of mind that if the unexpected occurs, you don’t need to worry about money
  • Pay you up to 75% of your pre-tax salary if you take out income protection insurance
  • Help you focus on recovering physically and emotionally if the worst did happen

The team at Nicol & Nicol can help you find the right insurance for your stage of life, help you work out the level of cover you need and the amount of premiums you can afford, advise you on taking out insurance through your super and make sure you include a buffer for cost overruns.

Other services Nicol & Nicol offer to clients include: 

  • Estate planning
  • Aged care advice
  • Residential property lending**

Nicol & Nicol Pty Ltd ABN 12 007 357 422 provides its financial planning services as an Authorised Representative of Count. ‘Count’ and ‘Count Wealth Accountants’ are trading names of Count Financial Limited ABN 19 001 974 625, AFSL No. 227232, a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Count is a Professional Partner of the Financial Planning Association of Australia Limited.”

The information on this site is not advice and is intended to provide general information only. It does not take into account your individual needs, objectives or personal circumstances. We are committed to ensuring the privacy and security of your personal information.

Contact us today on (03) 9852 7000 to speak to one of our team members about financial planning for you or your business.



*Please note that any SMSF taxation and audit services are not endorsed nor the responsibility of Count Financial Limited.

**Lending services are authorised by Finconnect (Australia) Pty Ltd ABN 45 122 896 477 Australian Credit License No 385888 a wholly owned subsidiary of Count Financial Limited.

Nicol & Nicol is an Authorised Representative of Count Financial Ltd ABN 19 001 974 625 AFSL No. 227232 which is 85% owned by CountPlus Limited ABN 111 26 990 832 (CountPlus) of Level 17, 1 Margaret Street, Sydney 2000 NSW and 15% owned by Count Member Firm Pty Ltd ACN 633 983 490 of Level 17, 1 Margaret Street, Sydney 2000 NSW. CountPlus is listed on the Australian Stock Exchange. Count Member Firm Pty Ltd is owned by Count Member Firm DT Pty Ltd ACN 633 956 073 which holds the assets under a discretionary trust for certain beneficiaries including potentially some corporate authorised representatives of Count Financial Ltd. The information on this web page is not advice and is intended to provide general information only. It does not take into account your individual needs, objectives or personal circumstances.

General advice warning:  The advice provided is general advice only as, in preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product.

Wealth Creation

  • Direct Share Portfolios
  • Access to Wholesale Managed Funds
  • Regular Savings Plans
  • Margin Lending
  • Retirement Planning
  • Superannuation Advice
  • Our “Total Financial Care” Review Service

Wealth Management

  • Salary Packaging
  • Debt Reduction and Debt “Recycling”
  • Cash Flow Analysis

Wealth Protection

  • Life Insurance
  • TPD Insurance
  • Trauma Cover
  • Income Protection Insurance

Asset Protection

  • Estate Planning (Advice about Wills and Powers of Attorney)
  • Business Structures
  • High level asset protection advice for business owners and investors

Retirement Planning

  • Pension Strategies
  • Centrelink Advice
  • Social Security Planning
  • Asset & Liability Ownership


  • Home and Business Loans
  • Advice on structuring your Home Loan
  • Equipment Finance and Leasing, including Motor Vehicles
  • Finance


  • Car Buying Service
  • Investment property acquisition