Blog

Endorphin Wealth Management – Announcement

We’re delighted to announce that Robert Rich has joined Phillip Richards as a partner at Endorphin Wealth Management.Robert has been an outstanding contributor to the growth of the practice, highlighted by winning the ‘Newcomer of the Year Award’ at the 2018 IFA Excellence Awards.He has worked diligently to build his own client base whilst also collaborating with Phillip on more strategic elements of the business including Marketing, HR and Endorphin’s future direction.We have had a great start to 2019 and there are a series of exciting projects in the pi...

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Five Best Getaways in Victoria

A bit of a change of pace this week - as we approach the half-way point of 2019, many of our clients are looking to have a little getaway to recharge their batteries. So here are our top 5 picks for a getaway in Victoria.. Don't forget to send us a postcard! The GrampiansThree hours north-west of Melbourne is the Grampians National Park, surrounded by charming rural towns that make a perfect getaway. Fitness enthusiasts won’t want to miss the stunning mountain trails through the Grampians National Park – traverse the Pinnacle Walk early in the morning and you wi...

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Five Keys to a Great Retirement

Retirement can be a bit of a tricky subject sometimes as there are so many psychological elements to consider. How will you fill your days if you're not working? Will you have enough money? What will be your purpose? These are the types of questions we visit regularly with our clients.So what can you do to make sure that you'll have the best time in retirement? 1. Visualise Your RetirementBefore you retire, it is important to spend time thinking about how you want your retirement to be. Retirement planning does not just involve financial strategies, but also...

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Benefits to Buying Commercial Property with Your SMSF

With over 600,000 SMSF in Australia today, one of the most common questions we're asked is 'Can we buy a property to live in with our Superannuation funds?'. It would appear to be a great idea on face value, but unfortunately this is not allowed and there are some considerable consequences for breaching the governing laws of Superannuation.In contrast with residential property, a SMSF can purchase a commercial property, then rent it to themselves or a relative conducting a business. This provides a major advantage for business owners as you can own a commercial property and ...

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Money Management Awards 2019

[caption id="attachment_2031" align="aligncenter" width="602"] Eugene Serravalle, Glenn Malkiewicz, Phillip Richards & Andrew Kreskas[/caption]Phillip, Glenn and Andrew are in Sydney this week to celebrate Phillip being named as a finalist for both 'Financial Planner of the Year' and ‘Young Achiever of the Year’ at the 2019 Money Management Awards. An outstanding achievement given the quality of advisors around the country, but on this occasion unfortunately the award has eluded us!From The Money Management website: ----- https://www.moneymanagement.com...

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Five Tips to Minimise Your Tax

Tax time is approaching! For some of you, this will bring a sense of dread. A reminder of your income you have foregone over the last 12 months to keep our society functioning. For our clients, we've implemented numerous strategies to legally minimise their tax so they have more money available to invest as they see fit: Investment BondsInvestment bonds have returned to favour of late and their earnings don’t need to appear on your tax return.Earnings from the investments in the bond are excluded from personal income because the bond providers pay tax at 30% i...

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Congratulations to Phillip Richards – Money Management Awards 2019

We’re delighted to announce that Phillip Richards has been named as a finalist for both 'Financial Planner of the Year' and ‘Young Achiever of the Year’ at the 2019 Money Management Awards.From The Money Management website: ----- https://www.moneymanagement.com.au/news/financial-planning/best-advisers-and-bdms-industry-recognisedAll the finalists for the Money Management Fund Manager of the Year awards have been announced, recognising the best and brightest in the financial services industry.The ultimate winners would be those who not only provided cl...

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Endorphin Wealth Management – New Look Team (April 2019)

2019 is off to a great start! We've seen excellent growth in the accounts of our clients, and we've also seen growth in the team here at Endorphin! Andrew, Gianni and Taylor have all been wonderful additions to our team. They're enabling us to provide a much higher level of service to our clients and are providing even more energy to our office. We’re certainly glad that they’re with us and look forward to watching their careers develop with the practice over the coming years. Their profiles have been updated on our Our Team page if you would like to learn more about them...

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2019/20 Federal Budget Highlights

With a bit over a month to go until the Federal Election, it’s unsurprising that the announcements centred on election-friendly promises such as tax cuts and increased funding to healthcare, aged care services and infrastructure.The key take-outs to be aware of include:• immediate tax cuts for low-to-middle income earners to help ease the cost of living, and lowering the 32.5% tax rate to 30% from 1 July 2024 • the ability for people aged 65 - 66 to contribute to super without meeting the work test requirements from 1 July 2020 • an increase to the age limit ...

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Introducing – Smart Home Deposit

We're very excited to announce another offering from the team at Endorphin Wealth Management - Smart Home Deposit. SHD is a low cost, fully diversified and online investment solution designed to help first home buyers save smarter and make the dream of owning their first home more achievable.The SHD team are based here in the office with us and they held a launch party a few weeks ago to start spreading the word about their services.From the SHD blog:What makes us rocket past the competition? It all begins with our mission… We’re here to help first home buyers ...

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What our Clients Say

  • Keep winning those awards Rob, I have no hesitation in recommending you ever to all clients needing genuine care and understanding of their financial affairs in moving them to a much better place, your the best.

    - Jeff Anderson

  • My Financials was a mess from Savings to Super, i was hesitant to approach anyone with my financials but i needed to do something fast, I approached Robert after i saw some reviews online, i received a warm welcome from Robert and Staff at Endorphin Wealth Management, I explained my situation, Robert introduced me to a couple more people to get my credit in order as well as my taxes, Robert took care of the rest, he immediately went to work and got all my super in order and we even started a personal portfolio thinking about the long term, i am better off financially now that i have everything in order and visible. I highly Recommend Robert and this team for his knowledge, support and keen eye for detail. 👍 - 5 Star Rating ✨✨✨✨✨

    - Andrew Di Luciano

  • We recently decided it was time to get our finances in control and look to our future retirement. On a recommendation from a work colleague, we contacted Robert from Endorphin Wealth to help. Robert was professional, knowledgeable and a delight to deal with. He took away our stress and streamlined our finances and investments, personalizing everything to suit our individual needs and circumstances. Both my partner and I would highly recommend Robert to anyone looking to secure their future finances and investments.

    - Ellen Moore

  • We recently decided it was time to get our finances in control and look to our future retirement. On a recommendation from a work colleague, we contacted Robert from Endorphin Wealth to help. Robert was professional, knowledgeable and a delight to deal with. He took away our stress and streamlined our finances and investments, personalizing everything to suit our individual needs and circumstances. Both my partner and I would highly recommend Robert to anyone looking to secure their future finances and investments.

    - Sue Curry

  • Rob was accommodating from the time we met him and until all of our financials were sorted. He is a professional and never too pushy after giving his advice, he makes you feel comfortable and is honest with his approach. Highly recommended. Thanks Rob.

    - Amanda Pal

  • I am extremely happy with the attention and care Rob has provided us from Endorphin over the past 18 months. No query is too insignificant or small for his attention and his advice and management has certainly helped me become more confident and feel more secure about my future planning. Thank you Rob

    - Timothy Mannix

  • I would highly recommend Robert Rich, he is the most honest, empathetic, and professional advisor and beautiful human being l have ever met. Robert and l were already doing business 12 months ago when my partner suddenly died. He had just bought a house in Cairns for us to retire to, everything seemed perfect. I was in Cairns preparing our home and he was in our Melbourne property still working. Then the heartbreaking news that he had suddenly died. Robert was magnificent in assisting me to get the estate business finalised. Robert went over and above to assist me both professionally in financial advice and personally by being a friend l could trust at a very emotional time. l felt totally at ease to leave my financial future in Roberts hands and to let him do what he does best. A big sincere thanks to Robert l now am retired in a beautiful home in Cairns with a prosperous and healthy financial future and my dog Bucket. Thank-you my dear friend and adviser, Robert Rich and all the team at Endorphin Wealth.

    - Jo Edwards

  • Robert has old school qualities and his passion for wanting to help individuals with their financial planning makes him stand out from the crowd. He is the real deal and I highly recommend catching up with him for a coffee and you will find this out for yourself.

    - Kirill Orlov

  • I have been working with Glenn for around 6 years. His advice over that time has help me build my superannuation & retirement assets to a point where I can afford to retire. Around 6 months ago I decided that I wanted to formally retire. Glenn discussed importance of retiring to something and we spent time developing my vision for retirement. This included spending more time with my family, learning how to paint, mentoring my grandchildren, and keeping active by joining a swimming class. He also discussed the important lifestyle benefits that my work provides and how I can replace these once I leave the workforce. This holistic approach is true retirement planning. Because of Glenn I’m confident that I not only have enough money to retire but will also live a fulfilling and energising retirement.

    - Ann M

  • Rob was really helpful in advising me on income protection insurance. He took the time to understand my personal situation, and explained my options in a way that I could understand. Thank you Rob!

    - Jessica Clara

  • Rob has been amazing to deal with. He is so kind and considerate - especially recently when he developed a plan for my Mum who was struggling to live on a part pension. Rob has changed my Mum’s life..and mine! Thank you Rob! We are forever in debt to you!

    - Jennifer Pitson

  • Rob has been our advisor for around 6 months now and to say we’ve been happy with his service is a huge understatement. His attention to detail, responsiveness and general customer service are exceptional. We’re now on the path to a much brighter retirement and hopefully reaching it a few years earlier too!

    - Luke Fleming

  • Glenn Malkiewicz has been a great help in setting up my finances for post retirement. He explained everything clearly in words I could understand and answered my questions promptly and succinctly. I now feel very comfortable about my future going forward. His friendly manner makes him a pleasure to work with. I look forward to consulting with him in the future.

    - Michael O’Mara

  • I’ve recently settled back in Australia, and Rob has been a godsend to me and has quickly become a trusted advisor. After living abroad for 12 years, he has helped me get orientated here and eased many of my anxieties about getting organised in a new country. Rob is always enthusiastic and keen to help out. No problem has been too big or small for him. He is so easy to work with, he has been reliable and available and he responds my silly emails in an impressive time frame. Rob makes a consistent effort to make sure you are up to speed and pleased. I’ve seen great results so far and I’m very glad I’ve chosen Rob and the team at Endorphin. Top notch group of professionals!

    - Kimberly Rosal

  • It’s always a wonderful experience working with rob rich. His financial advice, care and customer service is beyond exceptional and can trust that we have our finances in the right hands. Only one phone call away rob is always happy to assist and we will definitely continue to recommend him to friends and family

    - Deanne Palza

  • My husband and I wanted to find a trusted partner to advise us on our financial plans and help grow our wealth. We met with a couple of firms before meeting with Rob and they just didn’t grab us and it just didn’t feel right. One meeting with Rob and we were both sold on the spot that Rob was our man. And we haven’t looked back. Rob offers a very prompt, efficient and client focused service and always keeps us up to date and on track with what is happening with our portfolio. We couldn’t be happier with the service we’ve received from Rob and wouldn’t hesitate in recommending him to others looking for a trusted financial advisor.

    - Simone Fleming

  • 5 Stars to Rob Rich. Fantastic to work with, caring nature and a Human with a gold heart. Highly recommended.

    - Tania Sasik

  • Phillip and the team are completely focused on delivering excellence for their clients.

    - Rob Ryan

  • What an amazing man! Down to earth, realistic and honestly knows his stuff. I have never felt so comfortable leaving my finances in the hands of another person and all it takes is one chat with Robert and he will put you at ease. Thanks, Rob

    - Libby Arnold

  • My wife and I have been fortunate enough to work close with Robert and he has been amazing. Its really special to feel like you are actually cared for and know I am in good hands with our plans. I recommend Robert and his team to anyone. Thank you again for making our experience so memorable.

    - Pep Karalus

  • It was a pleasure to engage Rob to assist with a review of my fiances which included financial modelling of 3 options for my property plans and a review of personal insurances tailored to my needs. He displayed great patience and understanding throughout my journey and gently sent reminders for paperwork he needed without being pushy. He was contactable in person, email, text messages even outside of standard business hours. The plan he produced was not only tailored to me, but his approach and style he adopted was very tailored as well. The future of Financial planning in in safe hands with approaches like Rob’s.

    - Amrish Jusrut

  • Rob and Phil and their wonderful team provide excellent service with the unique combination of award winning professional insights, personalised service and real and genuine care about our future

    - David Klingberg

  • Robert is one of the nicest and most knowledgeable financial advisors I have come across. After previously dealing with advisors that left me disheartened Robs patient and understanding approach mixed with his positive attitude and in-depth knowledge is unparalleled .

    - Jordan Adams

  • I would highly recommend Rob as a caring and passionate financial advisor. Before meeting with rob I felt very apprehensive about discussing our financial situation but rob quickly put my mind at ease and made me feel very comfortable. He asked lots of questions in order to ascertain our true situation and tailor advice accordingly. Beforehand I was nervous about our financial future moving into retirement but his advise showed us how we cam move forward with confidence, taking the worry away. We will be staying with rob for the long term

    - Alison Taylor

  • We have been working with Robert since February this year, just prior to the birth of our second child. He has been a pleasure to work with and has provided comprehensive financial advice to us. Robert takes the time to get to know you and your family so that he can fully understand your financial situation and what your plans and goals are for now and into the future. He is extremely knowledgeable and very passionate about his job. He is a great communicator, responds to calls and emails promptly, and displays a genuine interest in our family. I have no hesitation in recommending Robert and Endorphin Wealth Management

    - Pauline Opie

  • Rob Rich has a well-earned reputation for providing articulate and direct financial advice and he has been the consummate professional for me, particularly regarding my superannuation. His intelligent approach and outstanding knowledge has been second to none. He's a great communicator and has done a fantastic job of translating complex financial issues and concepts into terms that are easy to understand. I would certainly recommend Rob and Endorphin for his well considered and practical advice.

    - Melinda Fabrici

  • Phillip has been my financial advisor for the last few years and I could not be happier. The outstanding retirement planning and financial advice that Phillip provided has put me in the best possible position to enjoy my future with confidence, for which I am extremely grateful.

    - Judy Anderson

  • Phil is attentive and super communicator, great advisor.

    - Peter Sagar

  • Love working with Robert. He is highly skilled, practical and empathetic. Nothing is a problem and he goes ‘above and beyond’. I have no hesitation in recommending Robert as an excellent financial advisor.

    - Rebecca Carter

  • Phil and the crew are very solid financial planners/advisors and provide excellent customer service.

    - Ian Johnson

  • Great company, wonderful people and a genuine focus on delivering the best for clients.

    - Gavin Tan

  • Great advice. Worth listening to.

    - Natasha Trenoweth

  • Excellent service and advice, highly recommend!

    - Alex Groh

  • Phillip and the team at Endorphin have looked after my financial affairs for a few years now and I could not be happier. They are pro active with communication, experts at investment advice and are friendly and great to deal with. They are my trusted financials professionals. I highly recommend them if you are looking for a financial planning team that will look after you for the future.

    - Stuart Coulthard

  • Phillip and the team are experts in their field of financial advice and investments.

    - Paul Drossinos

  • Great financial planning and advice.

    - New Dawn Pavings

  • Robert Rich is a gun and has been a pleasure to work with, he spent a lot of time asking questions and listening to both my husband and I to get a deep understanding of our current financial situation of who we are and where we want to be. His advice has been comprehensive and easy to understand. The genuine interest and enthusiasm he has demonstrated has made the whole experience to date, fun and engaging (it has also been awesome to see some great financial results!). Rob is a great communicator and is always available to chat, meet up or respond to an email. We wish we had seen Rob earlier, and plan to have him as our advisor now and into the future, I have and will continue to recommend him and his services.

    - Ellen Bond

  • Rob has been fantastic helping us set all our financials in order. We didn't want to have to worry about any of this stuff day to day. Rob put together a set and forget strategy that will see us in good shape for the future. Good guy, good advice, great help. Thanks again Rob

    - Andy Wright

  • My husband and I had a wonderful experience with Rob. He is genuine and honest. He has done amazing things with our finances to ensure our future is set up the right way. He has gone above and beyond our expectations. I highly recommend Rob, he is an expert in his field.

    - Anthea Husing

  • love working with Robert. He is highly skilled, practical and empathic. Nothing is a problem and he goes ‘above and beyond’. I have no hesitation in recommending Robert as an excellent financial advisor.

    - Rebecca Carter

  • Robert has managed our finances over the last 12 months as if they were his own. He has an eye for detail and is incredibly enthusiastic. We have recommended him to all our friends & family.

    - A. Miles

  • Rob has handled our finances for some time now. He provided us with sound advice and options. I highly recommend his services.

    - Mathew Quinton

  • Robert Rich provided me excellent financial advice and assistance in finding the right insurance for me. He was incredibly patient, and I'd recommend him without hesitation.

    - Edward Murrell

  • Rob has been helping me with my finances for just over 12 months now and i couldn't be happy, he is a wealth of knowledge and is amazing at what he does.

    - Paul Scott Ray White

  • Phillip and the team provide quality advice. They carefully explain the available options and clearly set the client's interests as the priority.

    - Jon Sutton

  • Rob has provided fantastic advise and clarity to myself and clients

    - James Ruddick

  • Great guys! Amazing financial advice.

    - Jay Boston

  • I cannot say enough about their professional manner and would highly recommend anyone I know to seek their services

    - Heather B

  • Your knowledge of the financial market is up to date and your approach to my portfolio has been proactive

    - Michael S

  • Thanks to Endorphin, I am now on the path to that dream of mine

    - Jake F

  • The plan has definitely made a big difference to my lifestyle

    - Josie W

  • It has been quite exciting and very comforting to have Endorphin looking after my financial future

    - Susan A

  • They provided me with a sense of direction and security that I did not have previously

    - Michelle C