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# Viridian Advisory: Advising Australians

## Sitemaps
[XML Sitemap](https://viridian.com.au/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Building a Long-Term Investment Portfolio in Australia](https://viridian.com.au/market-insights/building-a-long-term-investment-portfolio-in-australia/): Most Australians have some form of investing going on. Super contributions arrive each pay cycle, a savings account grows a little each month, and for many people, that's where active engagement with their money stops.
- [Superannuation contribution strategies for high earners in Australia](https://viridian.com.au/market-insights/superannuation-contribution-strategies-for-high-earners/): If you’re earning well, there’s a good chance you’ve already set up a contribution strategy, such as salary sacrificing into superannuation, and then left it running in the background. It’s efficient and consistent, but without regular review, it could quietly become a missed opportunity.
- [Federal Budget 2026/27 – Coalescing the Constituent Base](https://viridian.com.au/market-insights/federal-budget/): The Federal Government handed down its 2026/27 Federal Budget last night, with a clear focus on maintaining the strength of its political base and ensuring that the after effects of the Farrer by-election are not repeated across traditional Labor heartland seats. That by-election saw One Nation defeat the Liberal National Party to claim its first lower-house seat. Whether this strategy proves effective remains to be seen. However, the announcements made last night, particularly the focus on reducing some of the more favourable tax treatments associated with investing in both property and shares, signal that the Government is prepared to consider broader structural tax reform.
- [When Can You Actually Access Your Super in Australia? Retirement Age Explained](https://viridian.com.au/market-insights/when-can-you-access-your-super-retirement-planning-australia/): There's a moment many Australians reach, usually somewhere in their late fifties or early sixties, when they start thinking of planning their retirement and wonder: Can I actually access my super yet?
- [Making it easier for Australians to navigate advice, lending and investment solutions](https://viridian.com.au/market-insights/raamy-shahien-sole-ceo-update/): In his first update as sole CEO, Raamy Shahien has outlined the next phase for Viridian and what it means for clients, the team and the Viridian community.
- [How Much Super Do You Actually Need to Retire in Australia?](https://viridian.com.au/market-insights/how-much-super-do-you-actually-need-to-retire-in-australia/): The most widely used guide is the ASFA Retirement Standard, published by the Association of Superannuation Funds of Australia. It estimates what retirees actually spend each year, and it’s updated every quarter to keep pace with the real cost of living.
- [Quarterly Economic Update: October to December 2025](https://viridian.com.au/market-insights/quarterly-economic-update-december-2025/): The December quarter marked a shift in momentum. Inflation lifted again after easing earlier in the year, interest rate expectations became less certain, and market volatility increased into year-end. Despite this, Australian households showed resilience, with strong Christmas spending and steady employment supporting economic activity. While markets delivered solid gains across 2025 overall, the late-year pullback was a reminder that economic conditions remain sensitive to inflation and interest rate expectations.
- [Wills and Estate Planning for Blended Families in Australia](https://viridian.com.au/market-insights/wills-and-estate-planning-for-blended-families-in-australia/): Modern families come in many shapes and sizes.  For some, that means raising children from previous relationships alongside children with a new partner. According to the 2021 Census, among couple families with dependent children, 8.5% were step-families and 3.5% were blended families. Bringing the total to around 12% of all such households (Australian Bureau of Statistics, 2022). Estate planning for blended families is becoming increasingly important as more Australians navigate complex family structures.
- [The 12 Advice of Christmas — Part 3](https://viridian.com.au/market-insights/the-12-advice-of-christmas-part-3/): Part 3 of The 12 Advice of Christmas focuses on how December can be used not just to get through the season, but to gently set direction for the year ahead.
- [The 12 Advice of Christmas — Part 2](https://viridian.com.au/market-insights/the-12-advice-of-christmas-part-2/): When parents feel stretched, there can be a tendency to overcompensate at Christmas. My advice is to recognise your core family values. When children look back on their Christmases, it is rarely the gifts they remember. It is the time spent together and the traditions you created. – Ryan Scherini, WA
- [The 12 Advice of Christmas — Part 1](https://viridian.com.au/market-insights/the-12-advice-of-christmas-part-1/): Here are the first four of the 12 Advice of Christmas, drawn from conversations our advisers are having with Australians in the final days of the year.
- [Why more Australians are choosing to self-manage their super](https://viridian.com.au/market-insights/why-more-australians-are-choosing-to-self-manage-their-super/): Superannuation is one of the most significant investments Australians make in their lifetime, yet few truly understand where their money goes or how it’s managed. That’s why more Australians are choosing to take control of their retirement savings through a Self-Managed Super Fund (SMSF).
- [Smarter Ways to Buy Your First Home](https://viridian.com.au/market-insights/smarter-ways-to-buy-your-first-home/): Learn how the First Home Super Saver Scheme and the expanded First Home Guarantee 2025 could help you buy sooner.
- [Quarterly Economic Update July](https://viridian.com.au/market-insights/quarterly-economic-update-july-2025/): This quarterly economic update delivered a complex mix of progress and ongoing challenges. While interest rate relief and a resilient housing market provided support at home, international developments, including rising trade tensions and geopolitical uncertainty, introduced new variables for investors to monitor.
- [Viridian Financial Group Welcomes Strategic Growth Investment from TA Associates](https://viridian.com.au/market-insights/viridian-financial-group-welcomes-strategic-growth-investment-from-ta-associates/): “Since Viridian’s founding nearly a decade ago, we have remained steadfast in our client-centric philosophy, focused on empowering Australians through holistic financial advice, innovative solutions and exceptional service,” said Raamy Shahien, Joint CEO and Executive Director at Viridian. “Having built a strong relationship with TA, and after collaborating closely with them to structure our partnership, we are confident that TA is the ideal partner to support Viridian’s growth and vision moving forward. Our partnership with TA marks a significant milestone in our journey, serving as both a recognition of our strong track record thus far and a catalyst for future growth as we continue to expand in an ever-evolving market.”
- [What’s the Fuss About the $3 Million Super Tax?](https://viridian.com.au/market-insights/whats-the-fuss-about-the-3-million-super-tax/): The government’s proposed tax on high super balances has sparked headlines and a fair bit of confusion. While the impact today is limited to a small group, it raises bigger questions about the future of super and how Australians should plan for retirement and legacy.
- [Quarterly Economic Update May 2025](https://viridian.com.au/market-insights/quarterly-economic-update-may-2025/): The past few months have served as a stark reminder of how sensitive investment markets can be to shifting economic conditions and political shocks, both at home and abroad. From Australia’s federal election upset to global sharemarket swings, surging gold prices and lingering cost-of-living pressures, investors have had no shortage of volatility to navigate.
- [The 9 Golden Rules of Investing](https://viridian.com.au/market-insights/the-9-golden-rules-of-investing/): Market dips can shake confidence, but for seasoned investors, they’re also a time to regroup, reassess, and even find opportunity. Successful investing isn’t about reacting emotionally to the news cycle. It’s about sticking to time-tested principles, understanding your strategy, and staying the course.
- [How Tariffs Ripple Into Aussie Households](https://viridian.com.au/market-insights/how-tariffs-ripple-into-aussie-households/): Recently, the U.S. has imposed higher taxes—called tariffs—on goods imported from overseas. These moves aim to reduce the U.S.'s trade deficit (where it buys more than it sells). But while tariffs are meant to protect local industries, they often come at a cost—higher prices for shoppers and slower global economic growth.
- [2025 Federal Budget Commentary](https://viridian.com.au/market-insights/budget-summary-and-commentary/): Australia’s 2025–26 Federal Budget aims to help with the cost of living, strengthen Medicare, invest in housing supply, support education, and build a stronger, more productive economy. While the economy remains exposed to global volatility, Australia is better positioned than many nations:
- [Celebrating Progress, Accelerating Action](https://viridian.com.au/market-insights/celebrating-progress-accelerating-action/): At Viridian Financial Group, we transformed International Women’s Day into a three-day celebration of knowledge-sharing, empowerment, and community-building. Between March 4 and 8, we hosted a series of hybrid events—both in person and online—aimed at sparking meaningful dialogue and driving lasting change. Here’s a look at our extended celebration and the insights we’ll carry forward.
- [ASX Reporting Season Wrap](https://viridian.com.au/market-insights/asx-reporting-season-wrap/): The webinar focused on the ASX reporting season for February 2025. The session aimed to unpack the key themes, highlights, and takeaways from the reporting season, and discuss their implications for the Australian market and portfolio positioning.
- [Quarterly Economic Update February 2025](https://viridian.com.au/market-insights/quarterly-economic-update-2/): While markets remained steady and consumer spending proved resilient, cost-of-living pressures and a cooling housing market continue to be key concerns. The Reserve Bank of Australia (RBA) remains cautious, balancing the need to manage inflation with supporting economic stability.
- [Reset, Refresh, Refocus for 2025](https://viridian.com.au/market-insights/reset-refresh-refocus-for-2025/): A brand-new year is here, and with it comes the perfect chance to take stock of your finances. Whether 2024 was filled with financial wins or a few bumps in the road, 2025 offers a fresh start to reset, refresh, and refocus. Here's our quick guide to kickstart your 2025 financial goals:
- [6 Festive Hacks for a Sustainable, Budget-Friendly Christmas](https://viridian.com.au/market-insights/smart-festive-hacks-for-a-sustainable-budget-friendly-christmas/): Just as the Grinch stole Christmas, excess spending can rob us of all yuletide happiness. Seasonal credit card splurges can create ballooning long-term debt, while unnecessary consumption inevitably leads to a blowout in rubbish bin waste.
- [Navigating the Post-US Election Landscape](https://viridian.com.au/market-insights/navigating-the-post-us-election-landscape/): This webinar delves into the aftermath of the recent U.S. election and explores its potential impact on global markets and the investment landscape. Piers Bolger, CIO of Infinity Capital Solutions, provides his analysis of key election outcomes, policy shifts, and market impacts that will highlight what lies ahead for investors. Access the summary notes and full presentation from this webinar here.
- [Passion & Purpose from Our FSPower50 Advisers](https://viridian.com.au/market-insights/passion-and-purpose-from-our-fspower50-shortlisted-advisers/): We’re excited to announce that three of our advisers Amanda Ragkousis, Clint McNally, and Kathy Havers, have been honoured with a spot on the list for the FSPower50 2024! This recognition is a nod to their dedication to championing the value of financial advice whilst delivering exceptional service to clients and the community. We sat down for a quick word with each adviser and got a glimpse into their passion for financial advice and the power it has to help clients live the life they choose.
- [Key Considerations for Property Investment in Superannuation](https://viridian.com.au/market-insights/key-considerations-for-property-investment-in-superannuation/): Superannuation is there for us when we retire. It's the longest-term goal an investor can have. Given the decades-long time horizon of residential real estate, it is no wonder that many invest in property in super. The price increases of property all over Australia have created wealth for many through their primary place of residence. Why not extend the strong returns to your retirement nest egg as well?
- [Quarterly Economic Update](https://viridian.com.au/market-insights/quarterly-economic-update/): Australia’s economy is still growing, though momentum has slowed in recent months. The Reserve Bank of Australia (RBA) is taking a measured approach to any changes in interest rates, holding off on adjustments as it closely monitors inflation trends. With inflation yet to stabilise, the RBA remains cautious, aiming to strike the right balance between supporting growth and controlling inflation.
- [Navigating Aged Care Changes](https://viridian.com.au/market-insights/navigating-aged-care-changes/): The Australian Government introduced the Aged Care Bill 2024 to Parliament on 12 September 2024. The Bill is for a new Aged Care Act and is in response for the final report from the Aged Care Taskforce, which made 23 recommendations aimed at reforming Australia's aged care system, specifically around fees and funding.  The report is a lot to navigate on your own so below I breakdown of some of the key proposals and the potential impacts before the Aged Care Act commences, which is expected from 1 July 2025.
- [The Value of Starting Early with Financial Advice](https://viridian.com.au/market-insights/starting-early-financial-advice/): Picture this: you’re catching up with friends, and the conversation drifts towards money — mortgages, credit cards, maybe even that dream holiday you’re saving for. For many, finances feel like a juggling act between bills, lifestyle choices, and occasional splurges. It’s easy to think that seeking financial advice is only for those with complex investments or nearing retirement. But the truth is, getting professional guidance early on can make all the difference. Finances aren’t just about balancing the books; they’re about creating a strategy that works for you today and sets you up for the future.
- [6 Steps to a Happy New Financial Year](https://viridian.com.au/market-insights/6-steps-to-a-happy-new-financial-year/): The new financial year offers a perfect opportunity for a fresh start with your finances. Imagine transforming this year into the one where you finally master your finances.
- [A different “End of Financial Year Sale”](https://viridian.com.au/market-insights/a-different-end-of-financial-year-sale/): With End of Financial Year fast approaching, it's likely you are getting bombarded with "EOFY SALE" promotions. But while most promotions are trying to get you to empty your pockets before June 30, the decision to see a financial adviser is a type of self-promotion that could pay dividends for years to come. So invest in yourself and welcome the end financial year by partnering with a financial adviser to get the most out of your investments, superannuation and insurance.

## Pages
- [Find a Broker](https://viridian.com.au/find-a-broker/)
- [Credit Guide](https://viridian.com.au/credit-guide/): Our Latest Credit Guide Download latest credit guide
- [Aged Care](https://viridian.com.au/financial-advice/aged-care/): When a parent needs more care than family can provide, the decisions come fast and the financial stakes are high. Our aged care financial advisers help families navigate the costs, funding options and paperwork with clarity, so you can focus on what matters most.
- [Find Brokers](https://viridian.com.au/find-brokers/)
- [Find Advisers](https://viridian.com.au/find-advisers/)
- [What Does a Mortgage Broker do](https://viridian.com.au/lending-advice/what-does-a-mortgage-broker-do/): In short: a mortgage broker (also called a home loan or finance broker) is a licensed professional who compares home and investment loans across many lenders on your behalf, recommends options suited to your situation, and manages the process from application through to settlement. In Australia, brokers are regulated by ASIC, must hold or operate under an Australian Credit Licence, and are bound by a Best Interests Duty to act in your interest. The rest of this page explains what that looks like in practice.
- [What Does a Financial Adviser do](https://viridian.com.au/financial-advice/what-does-a-financial-adviser-do/): In short: a financial adviser is a licensed professional who helps you set financial goals and build a strategy to reach them - across superannuation, retirement, investments, insurance, estate and aged-care decisions. In Australia they must be registered with ASIC and listed on the Financial Advisers Register. The rest of this page explains what that looks like in practice.
- [Brokers Rhodes](https://viridian.com.au/lending-advice/rhodes/): Mortgage broking for Rhodes, New South Wales, from a team held to a best interests duty. With a heritage as Smartmove, now Viridian Lending. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. From first conversation to settlement and beyond, you deal with the same team.
- [Brokers Sutherland](https://viridian.com.au/lending-advice/sutherland/): Mortgage broking for Sutherland and the Sutherland Shire, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Orange](https://viridian.com.au/lending-advice/orange/): Mortgage broking for Orange and the Central West of New South Wales, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Parramatta](https://viridian.com.au/lending-advice/parramatta/): Mortgage broking for Parramatta and Western Sydney, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Penrith](https://viridian.com.au/lending-advice/penrith/): Mortgage broking for Penrith and Sydney's western growth corridor and the Blue Mountains foothills, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Warners Bay](https://viridian.com.au/lending-advice/warners-bay/): Mortgage broking for Warners Bay and Lake Macquarie, Newcastle and the Hunter, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Erina](https://viridian.com.au/lending-advice/erina/): from 52 Google Reviews Nationwide
- [Brokers Beenleigh](https://viridian.com.au/lending-advice/beenleigh/): Mortgage broking for Beenleigh and Logan and the Brisbane to Gold Coast corridor, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Sydney](https://viridian.com.au/lending-advice/sydney/): Mortgage broking for Sydney, from a team held to a best interests duty. With a heritage as Smartmove, now Viridian Lending. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. From first conversation to settlement and beyond, you deal with the same team.
- [Brokers Gold Coast](https://viridian.com.au/lending-advice/gold-coast/): Mortgage broking for Gold Coast and the Northern Rivers, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Bondi](https://viridian.com.au/lending-advice/bondi/): from 52 Google Reviews Nationwide
- [Brokers Brisbane](https://viridian.com.au/lending-advice/brisbane/): Mortgage broking for Brisbane and across Queensland, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Sunshine Coast](https://viridian.com.au/lending-advice/sunshine-coast/): Mortgage broking for Sunshine Coast and the hinterland, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Warragul](https://viridian.com.au/lending-advice/warragul/): from 52 Google Reviews Nationwide
- [Brokers Mount Waverley](https://viridian.com.au/lending-advice/mount-waverley/): from 52 Google Reviews Nationwide
- [Brokers Toowoomba](https://viridian.com.au/lending-advice/toowoomba/): Mortgage broking for Toowoomba and the Darling Downs, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Perth](https://viridian.com.au/lending-advice/perth/): Mortgage broking for Perth and across Western Australia, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Pinjarra](https://viridian.com.au/lending-advice/pinjarra/): Mortgage broking for Pinjarra and the Peel region, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Gippsland](https://viridian.com.au/lending-advice/gippsland/): Mortgage broking for Gippsland and the Latrobe Valley, South Gippsland and East Gippsland, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Geelong](https://viridian.com.au/lending-advice/geelong/): from 52 Google Reviews Nationwide
- [Brokers Rockingham](https://viridian.com.au/lending-advice/rockingham/): Mortgage broking for Rockingham and Kwinana, and the coast south of Perth, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Canberra](https://viridian.com.au/lending-advice/canberra/): Mortgage broking for Canberra and Queanbeyan, and the surrounding region, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Chirnside Park](https://viridian.com.au/lending-advice/chirnside-park/): from 52 Google Reviews Nationwide
- [Brokers Adelaide](https://viridian.com.au/lending-advice/adelaide/): Mortgage broking for Adelaide and across South Australia, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Melbourne](https://viridian.com.au/lending-advice/melbourne/): Mortgage broking for Melbourne and across Victoria, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement.
- [Brokers Camberwell](https://viridian.com.au/lending-advice/camberwell/): from 52 Google Reviews Nationwide
- [Brokers Burnie](https://viridian.com.au/lending-advice/burnie/): Mortgage broking for Burnie and Tasmania's north west coast, from a team held to a best interests duty. We compare lenders, structure the loan, and keep reviewing the rate long after settlement. Paid by lenders, accountable to you.
- [Brokers Williamstown](https://viridian.com.au/lending-advice/williamstown/): from 52 Google Reviews Nationwide
- [Financial Advisers Parramatta](https://viridian.com.au/financial-advice/parramatta/): Personal financial advice from advisers based in Parramatta, not a call centre somewhere else. Retirement, superannuation, investments, insurance and aged care, for people across Western Sydney.
- [Financial Advisers Orange](https://viridian.com.au/financial-advice/orange/): from 52 Google Reviews Nationwide
- [Financial Advisers Penrith](https://viridian.com.au/financial-advice/penrith/): Personal financial advice from advisers based in Penrith, not a call centre somewhere else. Retirement, superannuation, investments, insurance and aged care, for people across Sydney's western growth corridor and the Blue Mountains foothills.
- [Financial Advisers Sutherland](https://viridian.com.au/financial-advice/sutherland/): from 52 Google Reviews Nationwide
- [Financial Advisers Warners Bay](https://viridian.com.au/financial-advice/warners-bay/): Personal financial advice from advisers based in Warners Bay, not a call centre somewhere else. Retirement, superannuation, investments, insurance and aged care, for people across Lake Macquarie, Newcastle and the Hunter.
- [Financial Advisers Beenleigh](https://viridian.com.au/financial-advice/beenleigh/): Personal financial advice from advisers based in Beenleigh, not a call centre somewhere else. Retirement, superannuation, investments, insurance and aged care, for people across Logan and the Brisbane to Gold Coast corridor.
- [Financial Advisers Erina](https://viridian.com.au/financial-advice/erina/): from 52 Google Reviews Nationwide
- [Financial Advisers Gold Coast](https://viridian.com.au/financial-advice/gold-coast/): Personal financial advice from advisers based in Gold Coast, not a call centre somewhere else. Retirement, superannuation, investments, insurance and aged care, for people across the Gold Coast and the northern rivers.
- [Financial Advisers Rhodes](https://viridian.com.au/financial-advice/rhodes/): from 52 Google Reviews Nationwide
- [Financial Advisers Brisbane](https://viridian.com.au/financial-advice/brisbane/): Personal financial advice from advisers based in Brisbane, not a call centre somewhere else. Retirement, superannuation, investments, insurance and aged care, for people across Brisbane and across Queensland.
- [Financial Advisers Sydney](https://viridian.com.au/financial-advice/sydney/): from 52 Google Reviews Nationwide
- [Financial Advisers Bondi](https://viridian.com.au/financial-advice/bondi/): from 52 Google Reviews Nationwide
- [Financial Advisers Sunshine Coast](https://viridian.com.au/financial-advice/sunshine-coast/): Personal financial advice from advisers based in Sunshine Coast, not a call centre somewhere else. Retirement, superannuation, investments, insurance and aged care, for people across the Sunshine Coast and the hinterland.
- [Financial Advisers Toowoomba](https://viridian.com.au/financial-advice/toowoomba/): Personal financial advice from advisers based in Toowoomba, not a call centre somewhere else. Retirement, superannuation, investments, insurance and aged care, for people across Toowoomba and the Darling Downs.
- [Financial Advisers Williamstown](https://viridian.com.au/financial-advice/williamstown/): from 52 Google Reviews Nationwide

## Teams
- [Phil Drummond](https://viridian.com.au/team/phil-drummond/): With over 20 years experience in the Foreign Exchange and Precious Metals Options markets, and over 14 years as a Financial Adviser, I enjoy breaking down the complexities of structuring, investment markets, and superannuation legislation, to provide clarity around my clients' financial lives, acting as a sounding board for their financial decisions. Building quality, long term relationships with clients and accompanying them on life's journey, is a passion of mine. I look on it as a privilege to almost be like 'one of the family', to be involved in their personal lives.
- [Katherine Cairns](https://viridian.com.au/team/katherine-cairns/): Kath Cairns is a Senior Financial Adviser with more than a decade of experience helping individuals and families make confident financial decisions through every stage of life. Holding a Graduate Diploma of Financial Planning and as a licensed financial adviser, Kath specialises in retirement planning, superannuation, personal insurance, Centrelink strategies and wealth creation. She is passionate about making complex financial concepts easy to understand, empowering clients to make informed decisions that align with their goals and values. Known for her approachable, down-to-earth style, Kath believes great advice is about building lasting relationships, not just managing money. Outside of work, she enjoys spending time with her family, walking along the coast, following rugby, travelling, and creating financial education content to improve financial literacy within the community
- [Kiarna Schultz](https://viridian.com.au/team/kiarna-schultz/): I work with everyday Australians at all stages of life, whether they’re just starting or planning for retirement, who want to feel more confident about their financial future. A common question I help answer is, “Am I on track?” and what a comfortable future looks like for each individual.
- [Kevin Nguyen](https://viridian.com.au/team/kevin-nguyen/): Kevin Nguyen is a Financial Adviser with a Master of Financial Planning, passionate about delivering client-centric advice that helps individuals and families feel confident and in control of their financial future.
- [Adam Christopher](https://viridian.com.au/team/adam-christopher/): Adam has over 25 years of experience in financial advice, with a strong background in helping clients build and protect their wealth. He has spent the past 10 years in private practice at Ivy Wealth and previously held the role of Senior Financial Planner at Commonwealth Financial Planning.
- [Troy Williams](https://viridian.com.au/team/troy-williams/): Troy enjoys helping people make sense of their financial world and giving them the confidence to make important decisions about their future.
- [Matt O’Brien](https://viridian.com.au/team/matt-obrien/): I’m a financial adviser with over seven years of industry experience, helping clients make confident, well‑informed decisions throughout every stage of life. I take a practical, holistic approach, bringing structure and clarity to everyday areas like investing, cash flow, superannuation and taxation, so advice actually fits real life, not just a spreadsheet.
- [Marcus Walsh](https://viridian.com.au/team/marcus-walsh/): I have over 23 years of experience in the financial planning industry, providing holistic, comprehensive advice to clients to help them achieve their goals and focusing on what matters to them. Strategic advice including superannuation, retirement planning, investments, SMSF's, annuities, estate planning, personal and business insurance.
- [Lisa Taylor](https://viridian.com.au/team/lisa-taylor/): I’m an experienced advisor with a genuine passion for helping people make sense of their financial world. With an extensive background in the financial services industry, I enjoy working closely with clients to develop strategies that are not only well thought-out but also practical and achievable in everyday life.
- [Venetia Langlands](https://viridian.com.au/team/venetia-langlands/): Qualifications and Memberships
- [Jacob O’Sullivan](https://viridian.com.au/team/jacob-osullivan/): I became an Authorised Representative in 2015 and have spent the last 4 years managing a portfolio of predominantly wholesale clients based in Sydney.
- [Matthew Bruhl](https://viridian.com.au/team/matthew-bruhl/): I started my financial planning journey over 15 years ago, where I moved through various roles in the profession. I was part-owner of a boutique paraplanning business, where I spent eight years supporting advisers across Australia and helping develop financial strategies and advice solutions for a wide range of clients. In 2023, I joined Viridian and have since progressed into an advisor role. I have completed my Graduate Diploma of Financial Planning and passed the Financial Adviser Exam.
- [Jenny Carmichael](https://viridian.com.au/team/jenny-carmichael/): I am an experienced Mortgage & Financial Advisor and Commercial Leader at Viridian, helping individuals, families, investors, and business owners achieve their financial goals through tailored lending and finance solutions.
- [Stephanie Paul](https://viridian.com.au/team/stephanie-paul/): I have experience in both commercial and agribusiness banking and currently work as a Commercial Associate. With an agricultural background, I hold a Bachelor of Commerce majoring in Accounting and a Graduate Diploma in Agricultural Sciences, which have given me a solid understanding of both the financial and practical aspects of business.
- [Adele Denham](https://viridian.com.au/team/adele-denham/): I am currently a Mortgage Advisor working in the Perth office and I have over 30 years of lending experience. I started off working in a bank environment and then decided to open my own business which I ran for 20 years. In my spare time I love to hang out with family and friends and our 3 dogs. I do Pilates most days before work and travelling is also something I aim to do at least twice a year.
- [Robbie Guthrie](https://viridian.com.au/team/robbie-guthrie/): Prior to joining Viridian as a Mortgage and Finance Advisor, I worked as a Lending Associate and Client Service Manager at the Viridian Financial Group. These roles assisted me to build keys skills that I’m looking forward to bringing to my clients, I also built up a passion in helping clients to reach their financial goals. Outside of work, I’m a massive West Coast Eagles fan, I enjoy going to the beach and spending quality time with family and friends.
- [Chris Hill](https://viridian.com.au/team/chris-hill/): Chris has over 25 years’ experience in banking and finance and has been part of the Viridian Lending team for more than 12 years. As Regional Head of NSW and Queensland, he combines leadership with hands-on lending expertise, helping clients navigate everything from straightforward home loans to more complex residential and commercial finance.
- [Damien Cameron](https://viridian.com.au/team/damien-cameron/): As a seasoned mortgage broker with more than 30 years of experience in the banking and finance industry, I specialise in helping first home buyers, residential borrowers, and property investors achieve their home ownership and wealth creation goals. I am passionate about guiding my clients through every stage of their financial journey, providing clear advice and tailored lending solutions that align with their individual needs and circumstances.
- [Daniel Yshac](https://viridian.com.au/team/daniel-yshac/): I’m a Mortgage & Finance Adviser with a strong background in financial services and a passion for helping clients achieve their property and financial goals. As part of the Lending team, I work closely with clients to understand their needs, provide tailored lending solutions, and guide them through every step of the finance process. Building long-term relationships based on trust and delivering exceptional outcomes is at the core of what I do. Growing up in a sporting household, outside of work you can find me at the gym or sparking up the BBQ.
- [Dean Herbert](https://viridian.com.au/team/dean-herbert/): For more than three decades, I've helped individuals, families, and business owners navigate their finance and property goals with confidence.
- [Dimitra Koutsougeras](https://viridian.com.au/team/dimitra-koutsougeras/): As part of Viridian Lending, I bring over 28 years of experience across Relationship Management, Business Banking and Premium Banking. Throughout my career, I have worked closely with professionals and business owners who value trusted advice, personalised service and long-term relationships.
- [Enosh Tampoe](https://viridian.com.au/team/enosh-tampoe/): As a Mortgage and Finance Advisor, I work with clients at all stages of their lending journey, whether they're purchasing their first home, refinancing, upgrading to their next property, growing an investment portfolio or seeking finance to support their broader personal or business goals.
- [Henry Perenara](https://viridian.com.au/team/henry-perenara/): I am a Mortgage and Finance Advisor with a passion in building trusted long-term relationships and providing clients with the best possible solution. Prior to joining Viridian, I worked in the finance sector and the experience has seen me become passionate in the property, and financial services. I genuinely care about providing the best options that benefit my clients and helping them achieve their goals is an extremely rewarding sense of accomplishment.
- [Ishani De Silva](https://viridian.com.au/team/ishani-de-silva/): Before joining the dynamic lending industry, I worked as a Finance and Tax Accountant. Now, I work as a Commercial Associate at Viridian.
- [James Lutze](https://viridian.com.au/team/james-lutze/): With over 21 years' experience in financial services, James Lutze is a Team Leader and Trusted Lending Strategist at Viridian Lending, specialising in complex lending solutions for professionals, business owners, investors and high-net-worth clients.
- [Joachim Weis](https://viridian.com.au/team/joachim-weis/): I am passionate about helping clients turn their property aspirations into reality. I enjoy working with people from all walks of life and tailoring finance solutions that help them achieve their short and long-term goals.
- [Kirsty Brooks](https://viridian.com.au/team/kirsty-brooks/): I am a dedicated Mortgage and Finance Advisor who is passionate about helping clients achieve their property goals with confidence and clarity. Whether it's purchasing a first home, growing an investment portfolio, refinancing existing debt, or looking for a more competitive lending solution, I’m committed to making the process as seamless and stress-free as possible.
- [Lucy Collins](https://viridian.com.au/team/lucy-collins/): With more than two decades of experience in the finance industry, I am dedicated to helping clients achieve their financial and property goals through tailored, strategic lending solutions. My expertise spans residential lending, investment property finance, SMSF lending, and commercial lending.
- [Michael Letts](https://viridian.com.au/team/michael-letts/): I grew up on Sydney’s Northern Beaches, starting in the banking industry in 2001 before joining Smartmove in 2008. Love building long-term relationships with clients and helping people achieve their property goals. Buying a property is one of the biggest achievements in a person’s life and I love being a part of that. On a personal note, I have a passion for surfing and Rugby Union and spending time with family and friends.
- [Misa Huynh](https://viridian.com.au/team/misa-huynh/): I am an award-winning mortgage broker and a dedicated member of the Viridian Lending team, known for my client-first approach and expertise in complex lending scenarios. Originally from Vietnam, I relocated to Australia in 2004, bringing a strong multicultural perspective that helps me connect with and support clients from diverse backgrounds.
- [Mona Barak](https://viridian.com.au/team/mona-barak/): With over a decade of lending experience, I help clients achieve their property goals through tailored residential and investment lending solutions.
- [Nayesh Shah](https://viridian.com.au/team/nayesh-shah/): 20+ years of banking and mortgage expertise, dedicated to helping you achieve financial freedom. From major banks to credit unions, I leverage deep industry insights to help you pay off debt faster, refinance for maximum savings, and retire comfortably. Let’s connect to build your custom debt reduction plan today.
- [Niaz Bhuiyan](https://viridian.com.au/team/niaz-bhuiyan/): Prior to joining Viridian I had 2 very different and diverse careers, for 7 years I studied and worked in business accounting, before joining the NSW Police force where I worked in various departments for 8 years (most recently as a plain clothes officer).
- [Nichol Cullen](https://viridian.com.au/team/nichol-cullen/): With more than 16 years of lending experience. I am passionate about helping clients make confident financial decisions and achieve their property goals. I pride myself on building long-term relationships based on trust, understanding and personalised service, taking the time to tailor lending solutions to each client's unique circumstances. My focus is not only on securing the right lending outcome but also on providing ongoing guidance and support as my clients' needs evolve over time. Life's experiences have taught me the value of empathy, resilience and genuine relationships—qualities I bring to every client interaction.
- [Ross Ung](https://viridian.com.au/team/ross-ung/): Level 10, 1 Rider Boulevard, Rhodes NSW 2138
- [Samuel Swiderski](https://viridian.com.au/team/samuel-swiderski/): Level 14, 1 Margaret Street, Sydney NSW 2000
- [Shona Klibingaitis](https://viridian.com.au/team/shona-klibingaitis/): Lvl 16, 55 Collins St, Melbourne VIC 3000
- [Simon Orbell](https://viridian.com.au/team/simon-orbell/): With extensive mortgage broking experience (I have been a mortgage broker since 2004), I am a trusted advisor who clients can depend on to provide possibilities to achieve their goals. I love helping clients and colleagues grow & prosper. I am proud of the team at Viridian and excited for the future. On a personal note, my wife and I are proud parents of three beautiful children. I have a passion for surfing, sport & wellness
- [Vikram Singh](https://viridian.com.au/team/vikram-singh/): Vikram is a Mortgage and Finance Advisor with a strong background in property and lending. Before moving into mortgage broking, he spent 10 years working in real estate, giving him a well-rounded understanding of the property journey and the decisions clients face when buying, investing and building their property portfolios. He also holds a degree in accounting, providing him with a strong financial foundation that complements his experience across property and lending.
- [Whitney Pham](https://viridian.com.au/team/whitney-pham/): With a background as a fitness coach, personal trainer, and exercise physiologist, I learnt the value of listening, creating personalised plans, and helping people achieve meaningful long-term results. These are skills I now bring to every client looking to buy a home, refinance, or invest in property.
- [Viviane Pham](https://viridian.com.au/team/viviane-pham/): Buying my first property in my 20s gave me firsthand experience of how exciting—and overwhelming—the home buying journey can be. Navigating lending policies, understanding loan products, and securing finance was not always straightforward, which inspired me to pursue a career as a Mortgage Broker and help others achieve their home ownership goals.
- [Stephen Haug](https://viridian.com.au/team/stephen-haug/): Approaching a financial adviser can seem daunting at first; however Stephen ensures his clients have a positive experience. By exploring his client’s current situation and assisting them in discovering what is really important to them, he will help to articulate short, medium and long term goals that become the foundation of his advice.
- [Marsel Popov](https://viridian.com.au/team/marsel-popov/): Marsel is known for making advice feel straightforward and approachable, creating a trusted partnership with his clients. Outside of work, he enjoys surfing, travelling, and making the most of the coastal lifestyle.
- [Josef Jindra](https://viridian.com.au/team/josef-jindra/): Qualifications and Memberships
- [Peter Hasrouny](https://viridian.com.au/team/peter-hasrouny/): He is a professional member of the Financial Advice Association Australia (FAAA) and the SMSF Association, reflecting his commitment to high professional standards, ethical advice, and ongoing education. Peter is dedicated to building trusted relationships and delivering clear, practical advice that supports clients at every stage of their financial journey.
- [Jake Battelley](https://viridian.com.au/team/jake-battelley/): As a dedicated Financial Adviser based in Beenleigh, I specialise in helping everyday Australians navigate their financial journey with confidence. Whether you're a young accumulator just starting out, a growing family seeking protection, or a retiree looking to preserve wealth, I offer personalised advice across superannuation, insurance, and investment strategies. My approach is grounded in clarity, empathy, and long-term planning—ensuring each client feels informed and empowered. With a strong focus on building lasting relationships, I tailor solutions that align with your goals, lifestyle, and future aspirations. From simplifying complex financial products to guiding you through key life transitions, I’m here to support your financial wellbeing every step of the way.
- [Jeremy Hood](https://viridian.com.au/team/jeremyhood/): I understand the significant impact quality financial advice can have and take seriously the trust placed in me as an adviser. My focus is on helping clients make confident, well-informed decisions through structured, proactive planning that supports long-term financial security.
- [Bernard Tan](https://viridian.com.au/team/bernard-tan/): I’m a Financial Advisor with over eight years of industry experience, providing holistic financial advice across investment strategies, debt & cash- flow strategies, superannuation and SMSF planning, and retirement planning.
- [Michelle Ho](https://viridian.com.au/team/michelle-ho/): Michelle believes great financial advice starts with understanding. When clients feel heard and supported, they are better placed to make confident decisions when it matters most.
- [David Truong](https://viridian.com.au/team/david-truong/): With over a decade of experience in the financial planning industry, David is dedicated to helping clients make confident, informed decisions at every stage of life.

## 
- [SMID Aust Equity Portfolio Factsheet](https://viridian.com.au/?p=1760)

## 
- [Diversified Fixed Income Portfolio Factsheet](https://viridian.com.au/?p=1770)

## Offices
- [Viridian Bendigo](https://viridian.com.au/our-offices/bendigo/): Our Bendigo office is based in the heart of the CBD on Williamson Street, close to Bendigo's civic and retail precinct. If you live or work in Bendigo or the surrounding central Victorian region, this is your local team.
- [Viridian Hobart](https://viridian.com.au/our-offices/hobart/): Our Hobart office is based in the heart of the CBD on Murray Street, close to Elizabeth Street Mall and the Hobart waterfront. If you live or work in Hobart or the surrounding southern Tasmania region, this is your local team.
- [Viridian Mackay](https://viridian.com.au/our-offices/mackay/): Our Mackay office is based in the heart of the CBD on Gordon Street, close to the town centre and the Pioneer River. If you live or work in Mackay or the surrounding Whitsunday region, this is your local team.
- [Viridian Rhodes](https://viridian.com.au/our-offices/rhodes/): Our Rhodes office is based on Rider Boulevard in the Rhodes Waterside precinct, a short walk from Rhodes train station. If you live or work in Rhodes or the surrounding Inner West and northern Sydney suburbs, this is your local team.
- [Viridian Toowoomba](https://viridian.com.au/our-offices/toowoomba/): Located on the corner of Margaret and West Street, our team supports clients across Toowoomba and the Darling Downs region. If you live or work in Toowoomba or the surrounding area, this is your local team.
- [Viridian Camberwell](https://viridian.com.au/our-offices/camberwell/): Our Camberwell office supports clients across Melbourne's eastern suburbs. If you live or work in Camberwell or the surrounding area, this is your local team.
- [Viridian Ballarat](https://viridian.com.au/our-offices/ballarat/): Our Ballarat office provides financial advice, mortgage broking and investment guidance to clients across the Grampians and Loddon Mallee regions. Whether you're planning for retirement, building wealth, or navigating aged care and superannuation decisions, our local advisers bring the backing of a national network to every conversation.
- [Viridian Beenleigh](https://viridian.com.au/our-offices/beenleigh/): Located on Kokoda Street, our Beenleigh office supports clients across Beenleigh and the wider Logan region. If you live or work in the area, this is your local team.
- [Viridian Sydney](https://viridian.com.au/our-offices/sydney/): Located on Margaret Street in the heart of the Sydney CBD, our team supports clients across Sydney and the wider metro area. If you live or work in the CBD or surrounding suburbs, this is your local team.
- [Viridian Bondi](https://viridian.com.au/our-offices/bondi/): Located at Westfield Tower Two in Bondi Junction, our team supports clients across Bondi and Sydney's eastern suburbs. If you live or work in the area, this is your local team.
- [Viridian Williamstown](https://viridian.com.au/our-offices/williamstown/): Located on Parker Street, our team supports clients across Williamstown and Melbourne's inner west. If you live or work in Williamstown or the surrounding suburbs, this is your local team.
- [Viridian Warragul](https://viridian.com.au/our-offices/warragul/): Located on Queen Street in the heart of Warragul, our team supports clients across Warragul and the wider West Gippsland region. If you live or work in Warragul or the surrounding towns, this is your local team.
- [Viridian Warners Bay](https://viridian.com.au/our-offices/warners-bay/): Located on King Street, our team supports clients across Warners Bay and the Lake Macquarie region. If you live or work in Warners Bay or the surrounding area, this is your local team.
- [Viridian Sunshine Coast](https://viridian.com.au/our-offices/sunshine-coast/): Located on Duporth Avenue in Maroochydore, our team supports clients across the Sunshine Coast. If you live or work anywhere on the Sunshine Coast, this is your local team.
- [Viridian Rockingham Office](https://viridian.com.au/our-offices/rockingham/): Our Rockingham office is on Railway Terrace in the city centre, close to the foreshore and an easy drive from Baldivis, Safety Bay, Secret Harbour and the wider Kwinana and Peel corridor. If you live or work south of Perth, this is your local team.
- [Viridian Pinjarra](https://viridian.com.au/our-offices/pinjarra/): Located at Pinjarra Junction Shopping Centre, our team supports clients across Pinjarra and the Peel region. If you live or work in Pinjarra or the surrounding area, this is your local team.
- [Viridian Geelong](https://viridian.com.au/our-offices/geelong/): Located at Level 4, 49-51 Malop Street in the heart of Geelong's CBD, our team supports clients across Geelong and the wider region. If you live or work in Geelong or the surrounding suburbs, this is your local team.
- [Viridian Gippsland](https://viridian.com.au/our-offices/gippsland/): Our Gippsland team supports clients right across the region, from the Latrobe Valley through to Baw Baw and beyond. If you live or work anywhere in Gippsland, this is your local team.
- [Viridian Gold Coast](https://viridian.com.au/our-offices/gold-coast/): Located at Corporate Centre One in Bundall, our team supports clients across the Gold Coast. If you live or work anywhere on the Gold Coast, this is your local team.
- [Viridian Melbourne](https://viridian.com.au/our-offices/melbourne/): Located on Collins Street in the heart of the CBD, our Melbourne team supports clients across the city and beyond. Whether you're based in the CBD or the wider metro area, this is your local team.
- [Viridian Sutherland](https://viridian.com.au/our-offices/sutherland/): Located on Boyle Street, our team supports clients across Sutherland and Sydney's southern suburbs. If you live or work in Sutherland or the surrounding area, this is your local team.
- [Viridian Mount Waverley](https://viridian.com.au/our-offices/mount-waverley/): Located on Blackburn Road, our team supports clients across Mount Waverley and Melbourne's south-eastern suburbs. If you live or work in Mount Waverley or nearby, this is your local team.
- [Viridian Orange](https://viridian.com.au/our-offices/orange/): Welcome to our Orange office, where we're on a mission to empower you to live the life you choose. We're all about empowering Australians at every life stage, ensuring financial security while covering everything from investment advice to retirement plans, insurance, superannuation and aged care.
- [Viridian Parramatta](https://viridian.com.au/our-offices/parramatta/): Located at The Barrington on Smith Street, our team supports clients across Parramatta and Sydney's western suburbs. If you live or work in Parramatta or the surrounding area, this is your local team.
- [Viridian Penrith](https://viridian.com.au/our-offices/penrith/): Located on High Street, our team supports clients across Penrith and Sydney's west. If you live or work in Penrith or the surrounding area, this is your local team.
- [Viridian Perth](https://viridian.com.au/our-offices/perth/): Located on St Georges Terrace in the heart of the CBD, our team supports clients across Perth and Western Australia. If you live or work in the CBD or surrounding suburbs, this is your local team.
- [Viridian Erina](https://viridian.com.au/our-offices/erina/): Located at the Platinum Building on Ilya Avenue, our team supports clients across Erina and the Central Coast. If you live or work in Erina or the surrounding area, this is your local team.
- [Viridian Canberra](https://viridian.com.au/our-offices/canberra/): Located on Northbourne Avenue, our team supports clients across Canberra and the ACT. If you live or work in Canberra or the surrounding region, this is your local team.
- [Viridian Burnie](https://viridian.com.au/our-offices/burnie/): Located on Alexander Street, our team supports clients across Burnie and Tasmania's North West Coast. If you live or work in Burnie or the surrounding area, this is your local team.
- [Viridian Brisbane](https://viridian.com.au/our-offices/brisbane/): Located at Central Plaza on Queen Street in the heart of the CBD, our team supports clients across Brisbane and South East Queensland. If you live or work in the CBD or surrounding suburbs, this is your local team.
- [Viridian Adelaide](https://viridian.com.au/our-offices/adelaide/): Our Adelaide office sits in the heart of the CBD on Pirie Street, a short walk from Rundle Mall and the Adelaide train station. If you live or work in Adelaide or the surrounding suburbs, this is your local team.
- [Viridian Chirnside Park](https://viridian.com.au/our-offices/chirnside-park/): Located in Chirnside Park, our team supports clients across the Yarra Valley and Melbourne's outer east. If you live or work in Chirnside Park or the surrounding area, this is your local team.

## Global Section
- [Latest News](https://viridian.com.au/market-insights/global-sections/latest-news/)