Independent Wealth Management & Independent Financial Advice

  • Independent, Gold Standard Financial Advice

    We specialise in independent superannuation and retirement planning advice

    Financial Planner Sydney

  • Online Consultations For Your Convenience

    We are currently providing our independent financial advisory services via online video consultation to those who prefer.

    independent financial advisor
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Independent Financial Advice Throughout Sydney

Independent financial planners help you create, improve and protect your personal wealth in order for you to achieve your life goals. We deliver personalised strategies for complete wealth management to ensure you have the highest probability of achieving what’s important to you in life.

Everyone has a unique goal or ideal when it comes to personal wealth. For most of us this is about finding that sweet spot, enabling a comfortable lifestyle where we have more time to focus on the important things in life.

Here to be your trusted independent financial advisor

If you’re after independent superannuation advice, retirement planning financial advice, estate planning advice, aged care financial advice, are curious about wealth protection or are seeking general independent financial advice, we have an independent wealth advisor for you.

Why Choose Plutus Financial Guidance?

No Commission

There is no commission on our independent financial advice.

No Asset-based Fees

We do not charge our clients asset-based fees.

No Referral Fees

We do not receive or accept referral fees. Our advice is completely independent and tailored to your needs and goals.

No Kickbacks

We only offer gold standard financial advice. Therefore we will never take kickbacks for recommendations.

Vince Lam

Meet our Founder

Vince Lam

Principal Consultant BCom CPA MAppFin JP

Vince is a professional Accountant and a Gold Standard Independent Financial Advisor with almost two decades of experience. He has worked for blue chip organisations such as Deloitte, ABN Amro, AMP, HSBC, Westpac & Energy Australia.

His academic qualifications include a Master of Applied Finance from the Macquarie University Applied Finance Centre and a Bachelor of Commerce degree from the University of Sydney. He also holds the Certified Practising Accountants (CPA) designation, is a registered member of the Tax Practitioners Board and an Accredited Aged Care Professional.

One of Vince’s personal passions is his work in philanthropy. In past and present Vince has actively supported a number of organisations and causes, including Room to Read, Deaf Services (formerly known as The Deaf Society) and has also established his own philanthropic organisation.

Vince is also a  Justice of the Peace (JP) of New South Wales.

More About Vince Lam

Book a consultation with a certified PIFA (formerly IFAAA) Gold Standard Independent Financial Advisor

Enquire Now

Book a consultation with a certified IFAAA Gold Standard Independent Financial Advisor

Enquire Now

How we work with our clients

Our Ethos

We work with clients who share our sense of community, and who like us – care about the people and environment around them. We are not selling the idea overnight success or instant gratification, we believe financial advice is very personal and relationship based. We are here for you through your life journey and we want to see you through to achieving your most important goals.

Discover more about Plutus Financial Guidance’s education, experience and values here.

  • No Conflict of Interest

    We are not related to any financial institution or product manufacturer

  • Your Best Interests at Heart

    We do not use financial ‘products’. All of our work is tailored to each of our client’s needs

  • Independent Holistic Service

    Like a health practitioner, we are providing you with an independent holistic service to help you achieve your goals.

  • Want to know more?

    Unsure if you need an independent financial advisor? Read our FAQ’s for more information

We are here to empower you to make better financial decisions in business and life

Contact Us

We are here to empower you to make better financial decisions in business and life

Contact Us

Gold Standard Financial Advice Certified by the PIFA

What does it mean?

We undertake strategic analysis of your financial state and unearth opportunities to improve and empower your financial decisions with personalised financial modelling. The Profession of Independent Financial Advisers (PIFA, formerly IFAAA) Gold Standard of Independence™ is a symbol for genuinely independent financial advice. It is the most stringent standard of independence in the profession.

To qualify, financial advisors must satisfy these criteria:

  1. No ownership links or affiliations with product manufacturers. Impartiality is impossible where an advisor has links to a product manufacturer. Ownership links create an environment where the advisor resembles, at best, a well-intentioned salesperson.
  2. No commissions or incentive payments from product manufacturers. Commissions are payments made by product manufacturers to their distribution network. They create a conflict of interest between advisors and their clients.
  3. No asset-based fees. Asset fees, although authorised by the client, are calculated precisely the same way a commission is calculated. Asset fees are incentives that prevent an advisor from being impartial and therefore create a conflict of interest between advisor and client.

Testimonials From Our Clients

“I never thought I would need a financial planner in my life. I was dead wrong. In taking the leap of faith in engaging Vince, he has proven to be a great advisor, coach and friend, in helping me understand how to reach my financial goals sooner. I’ve found that the most valuable aspects of his services are Vince’s dedication and efforts to explain everything to you and knowing that he is an independent advisor without any attachment to a particular brand or service. He has a well balanced and professional approach to his work, giving me such confidence that my finances are in trusted and knowledgeable hands. Thanks Vince!”

“With the help of Vince’s financial expertise and wealth of knowledge, it was an eye opener with my financial situation. I thought I was ok, but I was taking on too much debt and had no financial direction or goals in place for the long term. I now understand what steps I need to take to provide for my family to build financial security when I reach retirement age. Most importantly, I see Vince as an independent financial advisor who guides me in the right direction rather than push products or services on to me. That point of difference and his down to earth nature made it a no brainer in taking him on as my advisor. I highly recommend Vince’s services to anyone who wants peace of mind about their financial future and looking for a quality advisor who genuinely cares for their clients. Thank you Vince for giving me and my family invaluable advice over the years.”

“Plutus Financial Guidance have provided a financial advisory service second to none. Vince took the time to really understand our circumstances and needs. It’s been great working with Vince, he is always helpful and accessible anytime we have questions. He has brought clarity and comfort around our financial plans for the future.”

Vince have been able to provide independent financial advice based on our needs. He and his team at Plutus Financial Guidance have been particularly helpful and calm during the uncertainty of the markets during the pandemic. He has a way of explaining the benefits of taking a particular financial direction that is easy to understand and encouraging. Vince takes the time to step back and wait until we are ready to decide what decisions will best benefit our particular financial needs. As Vince says “We always have your back”.