• It’s TAX TIME but it doesn’t have to be STRESS TIME
    • We are the Accountants & Advisors that you have been looking for
    • Designing Realistic Wealth Strategies that create future peace of mind
    • Full Service Financial Advice, Mortgages and more
    • SMSF – We offer a complete service – Auditing, Compliance and Strategy
    • Home
    • About Us
    • Our Services
    • Our Approach
    • Testimonials
    • Contact

  • WE PERFORM MULTIPLE ROLES

    Working alongside our trusted partners, we fulfill multiple roles to serve your needs

    • Accountant
    • Advisor
    • Strategist
    • Consultant
    • Financial Confidant
    • Researcher
    • Buyers Advocate

    Across all our services, delivered through our network of specialists, one principle remains constant and unwavering:

    Our commitment to transparency and achieving your best possible outcome.

    Our focus is simple.
    As custodians of your financial wellbeing, we coordinate with our trusted network of professionals to develop and implement strategies tailored to your unique life stage and circumstances. Our singular focus remains consistent:

    Supporting and enhancing your financial growth and security throughout your financial journey.

    Accounting and Business consulting

    From simple taxation to complex business consulting and guidance, our Team is as diverse as our strategies and our experience has been formed over many decades.

    Firstly, a good accountant will not just do the work that you ask them to do; a good accountant will go above and beyond that. For example, instead of just processing your financial statements, a good accountant will give you proactive advice regarding growing your business, or cutting back on a specific sector which is costing you more money than necessary, and even helping you determine your ROI. A good accountant will also provide a ‘benchmarking’ service – where they compare your business to another business in the same sector as yours – to show you how you can improve your business.

    Basically, a good accountant will add value to your business, be it through saving you money, making you money, or even introducing you to some of their other clients; either through a networking event, or even just passing on names and numbers.

    A good accountant will also always be available to give you advice. They will also not charge you for this service. A lot of accountants these days still charge by the hour; even for a 2 minute phone conversation!! A good accountant will also be working on your behalf 100% of the time.

    Financial Wealth Management

    Our Advisers have one common strength – They don’t panic, regardless of market movements.

    Finding an advisor who is patient and doesn’t panic is critical to success. You want a planner who is always evaluating what options are best for you, but does not divert from a well thought-out strategic plan.

    WE believe that you should avoid advisors who are constantly pumping the latest hot stock pick with a sense of urgency; they may not have your best interest at heart. There should be no sense of urgency when it comes to sound investing that leads to long-term growth.

    Our unique ownership structure places us in a favourable position of being free to choose any appropriate platform or product to invest clients’ money. We are not limited to whom we can research and do business with by our ownership structure.

    This Freedom is in our opinion the greatest gift we can give to our clients – It is to us…True Financial Advice.

    Behind our Accountants & Advisers are programmers, administrators, research specialists, compliance managers and business development managers. Our proprietary technology platform sets us apart and was granted a patent. It's designed to simplify your financial life and facilitate the delivery of personalised advice.

    • Online Advice

      Our proven technology solution allows you to access and engage with your financial plan at Anytime, Anywhere so you stay connected to your finances.

    • Best Performance

      Our strategies are designed to give you the best performance you can have to accelerate your plan.

    • New Technology

      If you keep doing things the same way you only get the same result. We invented new technology that delivers a better outcome and more peace of mind.

    • Security & Privacy

      These days Security & Privacy is paramount and we strive to new levels of protection.

  • OUR NETWROK OF PROFESSIONAL SERVICES

    We provide a wide array of specialised advisory and strategic services for our clients via our trusted network of professional service partners.

    • Investments

      You can start with as little as $1000 and turn it into thousands if you know and understand how. Our Investment approach is designed to create growth for our clients not create stress.

    • Insurance

      Do you know how long your family would last before you required Welfare?
      Have you had your insurance position analysed and strategically structured so you have maximum gain for minimal cost?

    • Superannuation

      Superannuation is one of the key long term investments you can make however if you have it set up wrong in the beginning you may find out you have too little too late. Our role is to ensure this doesn’t happen to you.

    • Estate Services *

      Are all your affairs in order?
      Do you have an Ex-partner that you are concerned would make a claim on your Estate?
      If you could not make decisions for yourself have you arranged for the right person to make those decisions?
      Talk to us so we can protect you and your wishes.

    • Responsive Street-smart Sophistication Advice™

      We call it Street-smart Sophistication Advice™, it is experience that only comes with time, you’ll see it as how advice should be and wonder why others fail to act as we do. We focus on STRATEGY and not PRODUCT, we FOCUS on what is RIGHT for you and your business.

    Collectively and individually, our partner team have advised on hundreds of commercial and personal tax transactions, personal financial advice, investing and overall financial wellbeing, let us work for you.

    • Personal Tax Advice

      The same Share Brokers we refer to our clients are the very same broker we use. Our position is simple – If we won’t use them then why should our clients.

    • Business Advice

      We offer a complete business advice service that covers from idea creation to cash flow forecasting. Auditing, Compliance and Strategy.
      Our Advisors have actually run a range of business so you know you are getting the right advice for your success.

    • SMSF Advice *

      SMSF – Via our trusted partners, we offer a complete service that covers Advice, Tax returns, Auditing, Compliance and Strategy.
      Our planning process is designed to take an objective look at your current financial situation and organise a plan of action to help you achieve your goals and objectives within your SMSF.

    • Bookkeeping Service *

      Small business owners often try to do their own bookkeeping, but not hiring a professional can cost big bucks down the road. Bookkeeping is probably the last thing you thought about when you decided to run your own business. Unfortunately, for many business owners it can eat up your time and make running a successful business that much harder. Yet, there’s hope and it starts with us and our technology partner Xero.

    * Services provided by trusted external providers.

    • %

      Have Never Invested

      Prior to meeting with us over 67% of our clients had never invested before and didn’t even know they could start with as little as $1000?

    • %

      Had Zero Savings

      Prior to meeting with us over 86% of our clients had no medium to long term saving strategy and we showed them how with Time, Patience and small regular savings you can make big returns.

    • %

      Had No Insurance Strategy

      Prior to meeting with us over 84% of our clients had idea what they were covered for, the terms of cover and the conditions of the cover. In many aspects the cover type and conditions did not reflect the needs of our client.

  • Our Approach

    Popular Questions

    • Can you help me with my dealings with the ATO?
      Yes we can and we have a successful relationship with the ATO.
    • Can I have my meetings conducted online remotely?
      Yes you can, simply email us at info@aspectfp.com.au and we will make it happen.

    Offer Combines

    • Personal Discovery Meeting

      You will meet with our advisers more than once before we provide advice, we believe that gaining insight to your true desires requires more than a single meeting.

    • Tactical Analysis And Assessment

      We will instigate discussion about protecting you and your family not only financially but also in times of emergencies, as it is during these times that the stress of dealing with things like medical plans, powers of attorney or handling the claims departments when you have lost a loved one is where we believe we can really help.

    • Client Focused Advice

      AspectFP has no direct institutional wealth company partners or ownership and as such Banks and Wealth companies have no direct interest in or involvement with our investment management, which eliminates many of the conflicts of interest found at traditional Advice firms.

    Additional Benefits

    • Risk Analysis

      What we define as risk may not be what you define as risk. Our team will work with your definition of risk to ensure you get the best result possible.

    • We Think Globally as well as Locally

      We maximise client returns through strategic local and international investments.

    • Advance Investment Calculations

      Our Monte Carlo simulations provide dynamic return projections, tailoring investment strategies to your specific goals.

  • Are You An Adviser Seeking A Great Opportunity?

    If you are an Adviser seeking an open APL, Patented and effective software, Client Centric compliance and strive to become as a Strategist then the model may be what you are looking for.


    Contact Us

  • OUR ADVISERS ENJOY...

    • In-house

      Patented Client Engagement Technology, designed for you… the adviser. Complete online back office and virtual office capabilities plus Practice Cash flow Facilities.

    • Broad-based APL

      No restrictions or product pushing.

    • Self-license AFSL

      No alignments to the big banks or institutions.

    • Lead Generation Tools

      Access to a large lead generation tool, sit back and watch the clients come in the door.

    • AFSL Adviser Liaison Service

      A qualified team, ready to answer and help you at any time.

    • In-depth Reporting, Research and Analysis Tools and Support

      Access to the most efficient and in-depth tools to ensure your advice is the best advice.

    • Focus on customer specific advice not product driven advice

      We want advisers who work for the client, not the institutions profit.

    • The investor for today does not profit from yesterday’s growth. Warren Buffett
    • An investment in knowledge pays the best interest. Benjamin Franklin
    • In investing, what is comfortable is rarely profitable. Robert Arnott
    • Wide diversification is only required when investors do not understand what they are doing. Warren Buffett

  • Testimonials

    • Michael, Justice of the Peace

      I have known Mr Peter Morrison-Dowd and the team at Aspect FP for over 10 years, both as a client and through my broader professional dealings in the community as a Justice of the Peace. During this time, I have consistently found Peter to be a person of honesty, professionalism, and integrity.

      In my own experience as a client, Peter has always taken the time to clearly explain the relationship between risk and reward before any financial decision is made. He ensures that I understand each recommendation, the potential outcomes, and the reasons behind his advice. His approach is educational and patient, allowing me to make informed decisions with confidence. My portfolios in both my Superannuation performance and my personal investments have always provided me with a position result, and it is my belief that his focus on ensuring I view investing as long term as the key to these results.

      In my role as a Justice of the Peace I have also had contact with other individuals who are clients of Aspect FP, and their feedback about Peter and his team has always been positive—particularly in regard to their responsiveness, clarity of communication, and commitment to acting in clients’ best interests.

      Based on both my personal experience and my observations as a Justice of the Peace, I can attest that Peter Morrison-Dowd conducts his practice with a high level of ethical conduct, diligence, and respect for his clients’ needs. He represents the qualities that build trust within the financial-services profession.

    • Jason

      Peter and the Aspect FP team have provided us with thorough information and guidance on options in our future financial planning for several years now. We've always had pros, cons, risks and safeties well explained, and we are very happy with the outcomes.

    • Nick

      A big thank you to the team at Aspect FS for their care, diligence, and straightforward advice you bring to setting up and managing our SMSF and investments. It’s refreshing to work with professionals who take a factual, transparent, and balanced approach to every discussion.

    • Andrew

      Peter and the Aspect team reviewed our position and needs, educated us about risk and provided welcome advice for setting up our SMSF and non-superannuation investments. They also guided us on estate planning. We commend them for the quality of their advice, responsiveness and commitment to our financial growth.

    • Suzana

      I’ve had a really positive experience with Peter and his team so far. They are all very helpful and friendly people to deal with. I have seen a few not so good Financial Advisors in the past and was recommended Peter. I find him to be honest and he actually listens to your financial goals. He explains everything so clearly and thoroughly, which really showed me just how knowledgeable and experienced he is in the industry.

    • Ross

      I couldn’t recommend Aspect FP highly enough! From the moment I met Peter & the team, I felt completely supported and confident that my financial goals were in capable hands. They took the time to really understand my situation and tailored a plan that made sense for me and my family. Their advice has been clear, practical, and easy to follow — and the peace of mind I have now is invaluable. If you’re looking for a trustworthy and professional financial planning service in Beaconsfield, Aspect FP is the one to call.

    • Wei

      I’ve been a client of Aspect FP since 2022, and I couldn’t be more impressed with the service I’ve received. Peter Morrison-Dowd is a highly knowledgeable and experienced financial adviser who genuinely takes the time to understand your individual goals and risk tolerance. He explains investment options clearly, including the potential risks, so you can make informed decisions. Most importantly, Peter consistently acts in the best interests of his clients. If you're looking for a financial planner who truly listens and tailors advice to your needs, I wholeheartedly recommend Aspect FP.

    • Rebecca

      I came to Aspect Financial Planning with a unique financial situation, and Peter and his team have been exceptional from the very beginning. They took the time to understand my circumstances, explain everything clearly, and guide me through the steps needed to secure my finances for my family’s future. Their advice and recommendations have been both practical and strategic, and I’ve always felt well informed about every aspect of my investments. The team’s professionalism, patience, and genuine care have given me great confidence in my financial direction. I couldn’t recommend them more highly.

    • Sam

      I’ve been a client of AspectFP and his team for around five years now, and I couldn’t be happier with the service they provide. When I first came on board, my financial situation was quite complex, but they handled it with ease and professionalism, making what could have been a stressful process feel simple and seamless.

      They’ve consistently demonstrated a strong work ethic, clear communication, and genuine care for their clients. Every time I’ve reached out, I’ve received a prompt, helpful response (nothing ever feels like it’s too much trouble). I truly value their guidance, integrity, and the peace of mind that comes from knowing my finances are in great hands.

      I highly recommend Pete and the team at AspectFP to anyone looking for trustworthy, knowledgeable financial advice with great ongoing support.

    • Derrick & Gayle

      We have been with Aspect FP for over ten years, through market highs and lows, and throughout that time, Peter has been the steady hand, ensuring that his clients interest are his first priority and he provides a first class Financial Planning Service.

      From the outset, Peter took the time to understand our situation, goals and future plans, and risk tolerance. His entire business practice strictly adheres to the Australian Financial Services Licensees standards and code of conduct.

      Throughout the journey so far, Peter provided opportunities, explained potential outcomes and gives you the opportunity through clear communication, to decide if the opportunities are a right fit for you. I highly recommend Peter and Aspect FP as a trustworthy financial services partner.

    • Phil & Anita

      I had the pleasure of working with Aspect FP to review and optimize my superannuation investments, and I couldn't be more impressed with the level of professionalism, expertise, and genuine care they provided throughout the process.

      From our very first meeting, Aspect FP took the time to thoroughly understand our financial goals and personal circumstances. What stood out was their ability to explain complex investment strategies in a way that was clear and easy to grasp. They were incredibly patient, walking us through the various options available and helping understand the potential risks and rewards associated with each investment.

      Risk management was a key focus of our discussions, and I appreciated how Peter tailored their advice to suit my comfort level and long-term objectives. They provided insightful analysis and practical strategies to help me make informed decisions, ensuring my superannuation portfolio was both diversified and aligned with my future plans. Thanks to their guidance, I now feel much more confident about my financial future and empowered to make smart investment choices. I highly recommend Peter to anyone seeking trustworthy, knowledgeable, and client-focused financial advice—especially when it comes to navigating the complexities of superannuation and investment risk.

    • Peter

      I was really unhappy with my old super fund, Vision Super. It felt like I had my money sitting somewhere doing nothing much. I wanted to take charge and set up a Self-Managed Super Fund (SMSF)—that's why I went to see Peter. I'm genuinely happy with the service and advice I get from Peter and his whole team. They've been great.

      Setting up the SMSF could have been a nightmare, but Peter made it straightforward. Before we did anything, he sat down and clearly explained all the fees, the costs involved, the risks, and what investments he was suggesting. Crucially, he also gave me an undertaking that he'd work hard to maximise the performance we get for those fees. Everything was out in the open, which I really appreciated.

      The best part is that my SMSF has already outperformed Vision. I keep an eye on things myself using SelfWealth, and the communication with Peter's team about how the funds are performing is always clear. I'm happy with the progress we're making toward my retirement goals. Peter was upfront that returns aren't certain and that the market goes up and down, but I'm happy with how things are being handled and the results we've seen so far. I would definitely recommend Peter to my family and friends. He's made a big difference.

    • Sarah

      Aspect FP has been a game-changer for my retirement planning. The team is incredibly responsive and always provides clear, actionable advice. I feel so much more secure about my future thanks to their guidance. Their commitment to their clients is evident in everything they do.

    • David & Maria

      We approached Peter with a complex set of financial goals, including saving for our children's education and planning for our retirement. He and his team developed a comprehensive strategy that addressed all our needs. We are very pleased with their professional and friendly approach.

    • John

      As someone new to investing, I was hesitant and unsure where to start. The team at Aspect FP was fantastic. They educated me on the fundamentals, helped me understand my risk tolerance, and created a diversified portfolio I'm comfortable with. Highly recommended for their patience and expertise.

    • Chloe

      Setting up my Self-Managed Super Fund felt daunting, but Peter made the process seamless. The team's expertise and clear communication gave me confidence every step of the way. I'm thrilled with the control I now have over my investments.

    • Mark

      I've been a client for several years and the consistent, high-quality advice is why I stay. The team at Aspect FP is proactive and always keeps my long-term goals in focus. It's a partnership I truly value.

    • Emily

      What I appreciate most about Aspect FP is that they genuinely listen. They tailored a financial plan that perfectly fits my unique circumstances and goals. It’s not a one-size-fits-all approach, and that makes all the difference.

    • Lawrence

      I am happy with the service my wife and I receive from Peter and his team, they are always checking in to make sure things are current and we are happy.

    • Danijela

      Peter knows how much we appreciate the time he spends assisting us, and how happy we are to be guided in our decisions financially.

    • Steven

      My wife normally takes care of the finances but now that we see Peter I am a part of the conversation, and getting a better understanding of what we need to do.

    • William

      Peter is assisting us with our transition to retirement, its great having someone to walk with us and to help guide our decisions.

    • Anthony

      Peter and his team always take my calls and concerns and follow up on every little detail. Peters Estate Planning was outstanding and gave my wife and I ideas that we had never thought of. It is refreshing to have an Adviser like Peter looking after us.

    • Alisha

      Clear and concise with a wealth of information, really happy with the service I have received so far, and looking forward to financial growth.

    • David

      Pete and his team really looked after us and we highly recommend his firm to anyone who wants the real facts about getting ahead. His Estate Planning knowledge and advice was more than we thought and his teams investing knowledge is excellent. Overall a great team of people.

    • Kathy

      Peter is amazing, he was not the first adviser we have used but without a doubt the best one we have used. His knowledge and attention to detail is first class, in the two years that we have used him not only has his advice been great so has the returns on our superfunds, he even got us to understand our Estate Planning for the first time. We strongly recommend if you are looking for a smart and talented adviser, Pete is the one.

    • Alex

      Great team of people to work with and Peter makes understanding how things work really easy to follow. The whole approach to understanding money and how to be smart about it is excellent. He is a smart guy and he really does care about his clients.

    • Joanne

      Appreciate that Peter and his team are great at overcoming road blocks to get tasks completed, and always on the end of the phone when i need them.

    • Andrew

      Keep up the good work Peter. It's good to know that I can get advice from you and have it explained to me to so that I can understand.

    • Paul

      I fine Peters expertise in the finance side of things second to none, and trust the options he provides to us for our future.

    • Amanda

      Peter listens to my personal needs and requirements to which he then works with me to achieve the outcome I want to have.

    • Mick

      Pete and his team have always been available to help with anything that is needed which makes my life easy.

    • Hassan

      Very happy with the service i am being provided, would recommend to others requiring some financial guidance, and have done so in the past.

    • Max

      Pete was great, I do not have a great understanding of all things financial, but Pete took the time to explain things more than once and on more than one occasion until I was confident about all the suggestions made to me. Always able to call the office if need be which I really appreciate.

    • Kylie

      Peter has been great at explaining things in a way i can understand, and has shown a great deal of knowledge when it comes to making good decisions for my future.

    • Damian

      Peter knows how much we love him, we appreciate everything he does for us, he goes above and beyond and gets to know us on a personal level not just financially.

    • Dean

      Peter is helping me understand how the stock market works so i can make more informed decisions based on his advice. I like gaining more understanding.

    • Jade

      I have had assistance with everything from trusts to having a helping hand through buying our investment property, its nice to know we have somewhere there when I need it.

    • Jenny

      Peter is continually finding new ways to assist us and make suggestions, rather than setting us and leaving us be. I like the continued assistance.

  • CONTACT INFO &
    LEGAL DISCLAIMER

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    Company Details

    • AspectFP Pty Ltd

      Unit 6, 68-70 Old Princes Hwy
      Beaconsfield, VIC. 3807

    • Phone & Fax

      Phone: (03) 9707 0154
      Fax: (03) 9796 2088

    • Email

      Email: info@aspectfp.com.au

    AspectFP is a Corporate Authorised Representative #377123 of Boston Reed AFSL #225738

AspectFP is a Corporate Authorised Representative #377123 of Boston Reed AFSL #225738 | Financial Services Guide (FSG)
© 2024 AspectFP - Your future will thank you®

To ensure transparency, please note that AspectFP and its affiliates (we, us, our) may be involved in providing services and products through separate authorisations by Australian Financial Services Licensees, Registered Auditors, or Australian Credit Licensees. For specific details about these entities, their authorisations and services, and the legal structure, please contact us or refer to our documentation.