What is financial planning?

Financial planning is about identifying key goals and objectives and then charting a pathway to achieving them. This process is collaborative and is based on outcomes, not selling financial products.

When do I speak to a financial advisor?

A common misconception is that you require large sums of money before engaging a financial advisor. Often the reverse is true; a good financial advisor can help design and implement the strategy that enables you to create wealth and assist with major life decisions, like starting a family or purchasing a home.

Does my financial advisor have personal investing experience?

The head of financial planning at Montara Wealth, David Hancock, has over 15 years of experience advising individuals, families, and businesses. In addition to advising clients, David and the team invest in the same strategies they recommend for clients.

Who owns Montara Wealth?

Montara Wealth is privately owned by the Directors, who hold the shares in the company via a family trust structure. The business has no direct ties or associations with product providers or large financial institutions.

How much does a financial advisor cost?

At Montara Wealth, fees are based on the time spent with clients, not the amount invested. Initial client meetings are free, allowing clients to understand the potential value Montara Wealth can provide. A cost proposal outlining specific fees is prepared once objectives and value are assessed.

What does a financial advisor actually do?

Great financial planning begins with developing bespoke strategies to achieve long-term objectives – not selling a service or product. Montara's process is collaborative and solely focused on the client's goals, combining the client's desires with Montara's expertise.

Blog & insights

Super Contribution Caps 2026-27: What high-income earners should know

A new financial year usually means new super contribution caps, and this year is no exception. With the 2026-27 changes now a couple of months in, the question we’re hearing from high-income

Financial planning for bonuses, RSUs and employee share schemes

Almost every workplace has someone who’s the “expert” on RSUs or employee share schemes, and almost as often, what gets passed around as fact is only half right. These aren’t actually complicated

Why We Tell Clients to Keep Spending on What They Love

Most financial advice starts from the same place. You’re spending too much, and the fix is to want less. Cut the extras, flatten your lifestyle, feel a little guilty about the things

The complete guide to entrepreneur financial planning

Key Takeaways: The Complete Guide to Entrepreneur Financial Planning Integrated financial planning connects your business cash flow, personal wealth, and property decisions into one cohesive strategy. Australian entrepreneurs benefit from structuring investments

How integrated financial planning helps entrepreneurs

Running your own business means your finances rarely fit into neat categories. Your personal income, business cash flow, property decisions, superannuation, and investment strategy all overlap. When one area shifts, the rest

A beginner’s guide to retirement planning in Australia

Retirement planning in Australia starts with a single question: what kind of life do you want to live when you stop working? The answer shapes every financial decision you make between now

How Can I Boost My Super in the Last 10 Years Before Retirement?

If retirement is around a decade away, this is the question I hear most: how do I get as much into super as possible while I still can? The honest answer is

Is Being Comfortable Costing You Your Financial Future?

Most people who put off planning their finances are not lazy or careless. They are comfortable. Life is busy, work is steady, the family is happy, and the honest feeling is that

Google Review

Google Rating

5.0

Montara Wealth

Based on 14 reviews

review us on

Pat D

5 years ago

Positives: Professional, Trusted Advisor, Thoughtful, Client-centric

David and the team were meticulous in getting to know us and driven to provide the best possible strategies to improve our wealth position. Their modelling is an effective tool used to challenge the numbers provided and we discussed various strategies to improve our current and future financial position. David is very knowledgeable and a great sounding board. He was pragmatic with the evidence based advice he provided us, helped us confirm our understanding and we gained confidence to make several key decisions to address our goals. Would highly recommend Montara Wealth to family and friends who are looking for financial planning advice.

David Muscat

If you have ever considered speaking with a financial adviser (or even if not) I would highly recommend not putting it off any longer and speaking with David and his team at Montara Wealth. Their advice has been invaluable in enabling us to not only execute a much more effective financial strategy, but also doing so with complete confidence. Their methodology is extremely thorough, and coupled with the depth of their expertise, is clearly designed to exploit every financial opportunity possible. My only regret is not having done it sooner!

C Rutland

6 years ago

I could not rate more highly. David and his team provide a professional financial service with a personal touch. They made the process of sorting out our finances stress free and where we had questions they were always happy to help. I would absolutely recommend to my family and friends

Paul Hewett

My wife and I used Montara Wealth to help us with our wealth strategy and planning.

David and Kathleen are extremely knowledgeable across all financial matters. Their advise helped us unlock the potential of our savings, enabling us to take immediate steps towards building our future. As well as, defining future investment options to actively build wealth for our retirement.

Quality advise from a fantastic team. Thank you David and Kathleen.

Nicholas Falconer

Thanks team, would highly recommend to anyone

Lucy Foley

Kat & David were extremely knowledgeable and helpful- It was a great experience! Their location in the city is really convenient!

Anna Wilson

I never thought I was in the position to see a financial planner but I was wrong. Montara Wealth have helped me get my finances and spending on track and were great to work with. Thanks to Kathleen and David for everything.

David Callaghan

My partner and I have worked with the Montara team over the last 6 months to develop a financial strategy that's allowed us to buy our first home and plan out our future financial position based on multiple scenarios. David and his team are professional, knowledgeable and I'd highly recommend them to anyone.

Tim McCleave

7 years ago

My partner and I have been working with David and the team for several years now and we're very happy with the service and support we've received. Montara Wealth provide a holistic relationship driven approach to wealth creation and they are with us for the journey. Working with the team has helped us focus on how to maximise our income and take smart steps towards financial freedom.

Christine Bauman

8 years ago

My partner and I have been working with David and Kathleen at Montara Wealth for almost six months and we are thrilled with the experience we've had to date. We were reluctant to engage a firm given the feedback we'd heard from friends and family about Financial Planners, but when we met with the team at Montara we loved their ethos and their approach with clients and immediately knew they had our best interests at heart.

Through their financial modelling, David and Kathleen have made us think about wealth in a completely new way and have been instrumental in implementing quick but effective strategies that are now making our investments work for us. Beyond investment, Montara have also guided us through restructuring our Super and Insurances; two things we undervalued until recently.

I would recommend Montara to anyone who wants to start a conversation about how they can start building wealth.

Justine Anderson

I knew that I wanted to get a strategy in place but didn't know where to start. Montara Wealth were referred to me by a friend that had already used their services and from the very start I knew that I was in capable hands. The team at Montara took the time to understand my situation in order to develop the best strategy for me. I have no reservations in recommending their services to any of my colleagues and friends looking for sound strategic financial advice.

Kim

I had a great experience with Montara Wealth - they really took the time to understand my situation and my objectives in the short and long term. The team did a fantastic job at modelling out my investment options and then also implementing my strategy for me. They're friendly, responsive and know their stuff. I'd definitely recommend the team to anyone who is time-poor and needs financial clarity. Thanks guys!

Christina Jackson

My recent experience with Montara Wealth was excellent! The team were very professional, knowledgeable, easily accessible and always made sure I understand the process in an easy to understand manner. I will have no hesitation referring family and friends to the them.

More reviews

Blog & insights

Super Contribution Caps 2026-27: What high-income earners should know

Financial planning for bonuses, RSUs and employee share schemes

Why We Tell Clients to Keep Spending on What They Love

The complete guide to entrepreneur financial planning

How integrated financial planning helps entrepreneurs

A beginner’s guide to retirement planning in Australia

How Can I Boost My Super in the Last 10 Years Before Retirement?

Is Being Comfortable Costing You Your Financial Future?

Who we are

About montara

How we work

Contact

Get in touch

Blog & insights

Who we are

About montara

How we work

Contact

Get in touch

8 tips to building a financial strategy