Investment Advice Penrith

At MLS Financial, we help everyday Australians make confident investment decisions that align with their goals, lifestyle, and values. Based in Penrith, our team offers tailored Investment Advice that covers more than just choosing where to invest—we help you build a long-term strategy for financial freedom, backed by strong cash flow and effective budgeting.

Whether you’re just starting out, growing your portfolio, or approaching retirement, we make investing simple, accessible, and aligned to your goals. Our advice is strategic, and designed to work for you.

Why Investment Advice Matters

Investing can feel overwhelming—especially when life is busy and markets feel unpredictable. But the truth is, investing doesn’t need to be complicated. With the right guidance, you can grow your wealth steadily over time, manage risks, and make decisions with clarity.

Without the right investment strategy in place, you might find that you are overspending on your budget, not saving enough, or finding that the interest from the bank, is barely covering inflation. This can lead to your long term goals being compromised.

Getting the right Investment Advice in Penrith can help you:

  • Build wealth for the future
  • Generate passive income
  • Beat inflation over the long term
  • Diversify your financial position
  • Prepare for major goals like home deposits, children’s education, or retirement
  • Reduce stress around money by following a clear, achievable plan

But without advice, it’s easy to make costly mistakes—like chasing hot tips, overcommitting, or leaving too much in cash without a plan.

Contact Us

Our Investment Advice Services

We offer holistic investment advice tailored to your stage of life, risk tolerance, and future goals. Unlike product providers or banks, we are not limited to one investment platform or strategy—we recommend what’s appropriate for your unique situation.

1. Discovery and Understanding You

Before we talk about investment options, we take the time to understand your situation and what matters to you. Whether your goal is long-term growth, regular income, building wealth for your kids, or funding early retirement, we build your strategy around what you want to achieve. We also assess your financial capacity to invest—looking at your income, expenses, debt levels, and emergency buffers—so that any investment decisions fit comfortably within your lifestyle.

2. Financial Research, Analysis and Strategy

We assess your goals as well as current investments and your financial situation to review whether your existing plan is appropriate for you. Our aim for your investments is to build a diversified portfolio, utilising your cashflow to build this over the long term. We consider a range of factors, including tax minimisation, structuring, and the risk you are taking to develop your investment strategy.

3. Advice and Implementation -
Budgeting and Cash Flow Advice

Strong investments start with strong cash flow. If your cash flow is tight or unpredictable, investing can add stress instead of solving it.

We provide cash flow and budgeting advice to:

  • Track and manage your income and expenses
  • Identify savings capacity
  • Allocate funds toward debt reduction and investments
  • Set up automation to build wealth consistently
  • Prepare for unexpected costs without derailing your goals

 

Our goal is to make sure you can invest without compromising your lifestyle or peace of mind.

4. Advice and Implementation -
Investment Strategy and Asset Allocation

Once your financial foundation is in place, we design a personalised investment strategy that fits your goals and risk profile.

Our advice includes:

  • Understanding risk and return trade-offs
  • Helping to identify your Risk Tolerance level
  • Choosing the right mix of asset classes (shares, property, fixed interest, cash)
  • Diversifying across industries, geographies, and investment types
  • Deciding between direct investments, managed funds, ETFs, or investment platforms
  • Managing fees, taxes and timing
  • Recommending long-term strategies, not short-term speculation

 

We focus on sustainable, long-term investing, not chasing short-term gains. Your strategy will reflect your goals, time horizon, and comfort with risk.

5. Advice and Implementation -
Ethical and Responsible Investment Options

If you want your investments to align with your values, we can incorporate environmental, social and governance (ESG) criteria into your portfolio. Whether you’re passionate about sustainability, avoiding fossil fuels, or supporting ethical businesses, we’ll help you invest with purpose.

6. Advice and Implementation -
Investment Structuring and Tax Considerations

Where and how you invest can be just as important as what you invest in. We help structure your investments tax-effectively by considering:

  • Ownership structures (individual, joint, trust, company)
  • Investment via superannuation
  • Capital gains tax (CGT) impacts
  • Franking credits and dividend income
  • Strategic use of tax offsets or deductions

Our goal is to maximise your after-tax return—so you get to keep more of what you earn.

Investment Advice for Every Life Stage

Our advice is tailored to different life stages and goals:

Young Professionals (20s–30s)

  • Budgeting and saving surplus income
  • Building an emergency fund
  • Starting with managed funds or ETFs
  • Saving for a home or travel
  • Understanding the power of compound returns

Families and Mid-Career Investors (30s–50s)

  • Investing surplus income outside of super
  • Building wealth for kids’ education or future costs
  • Managing multiple financial goals
  • Structuring investments around mortgages or business debt

Pre-Retirees (50s–60s)

  • Transitioning from growth to income-focused investing
  • Rebalancing portfolios for lower risk if required
  • Managing tax and capital gains
  • Integrating investment strategy with superannuation
  • Preparing to draw an income stream

Retirees (60+)

  • Preserving capital while generating sustainable income
  • Minimising tax on withdrawals
  • Managing investments alongside the Age Pension
  • Simplifying portfolios for ease of management
  • Structuring assets for estate planning
Contact Us

Why Choose MLS Financial for Investment Advice in Penrith?

We’re proud to be a locally owned, independent financial advice business with a reputation for integrity, care and results.

When you work with MLS Financial, you benefit from:

  • Local Expertise: We’re based in Penrith and understand the unique needs of our community. You’ll speak to a real local, who lives and works in the same area as you.  
  • Experienced team: Many of our clients have grown wealth steadily and confidently under our guidance—some for over two decades.
  • Holistic Advice: We know investment advice is more than just the investments —we cover cashflow and budgeting, structuring, risk management and asset allocation as well as helping you choose appropriate investments.
  • Clear and Transparent Fee Structure: You’ll learn about our fees from the first call. We pride ourselves on our local reputation, so we are not here to rip off locals.
  • Support Beyond the Plan: We help with implementation, paperwork, and reviews so your plan stays current as life changes.

We offer peace of mind and a plan you can stick to—no guesswork required.

Frequently Asked Questions

You don’t need a fortune to begin. Many managed funds and ETFs allow you to start with as little as $1,000–$5,000. The key is consistency and aligning your investments to your goals and budget.

All investing involves some risk, but that risk can be managed through diversification, asset allocation, strategy, and time. We help you understand your personal risk profile and build a plan that matches it.

It depends on the type of debt, interest rate, and your cash flow. In many cases, a mix of both—paying down debt while building wealth—can be most effective. We’ll guide you through the trade-offs.

Both can be strong wealth-building tools. The right choice depends on your goals, timeframe, access to capital, and appetite for involvement. We can help you compare and choose the right fit.

Yes. Super is one of the most tax-effective places to invest, especially for retirement. We can recommend strategies to grow your super through smart investments and contributions.

Let’s Talk About Growing Your Wealth

Whether you’re just getting started or ready to take your portfolio to the next level, our Investment Advice in Penrith is here to support you. We’ll help you understand your options, set clear goals, and build a smart, personalised plan for your future.

Call us on 1300 791 800 or contact us to schedule your investment consultation.

Start investing with confidence. Grow your future with MLS Financial.

Contact Us