Income Solutions Financial Planning

Income Solutions Financial Planning is a financial advice firm in Geelong established in 1987. The firm has been helping clients achieve their goals since 1987 and has been trusted by clients for 38 years. It is licensed through Personal Financial Services, operating within the Entireti network, and is a Corporate Authorised Representative of Personal Financial Services Limited.

David Ramsay is the Founder, Director and Senior Financial Planner, a Certified Financial Planner® with more than 37 years in the profession, who completed a Bachelor of Commerce majoring in Financial Planning in 2019. Elise Anderson is a Director and Senior Financial Planner who joined in 2011, completed a Bachelor of Commerce in 2012 majoring in Financial Planning and Accounting, is a Certified Financial Planner®, has been advising since 2015, and became a Director in 2021. Tharaka Leeniyagoda is a Director and Senior Financial Planner holding a Bachelor of Commerce (Accounting) from the University of Adelaide, a Master of Business Accounting from the University of South Australia, and a Diploma of Financial Planning from Kaplan; he has been advising since 2018 and became a Director in 2021. Will Clark is a Financial Planner holding a Bachelor of Commerce majoring in Financial Planning and Finance, who joined the team in 2020 and returned as an Adviser in 2025. Income Solutions provides services in superannuation, investment, retirement planning, and insurance.

Retirement planning and long-term financial guidance are what clients most often describe when reflecting on Income Solutions Financial Planning in Geelong. Reviews time and again mention the accessibility of David Ramsay, noting that questions are welcomed and answered candidly, and that his support made the move into retirement feel calm and properly informed. Tharaka is named for advice that has delivered on an intended strategy, with clients expressing confidence that their goals remain achievable. The professionalism of the wider team, including Laura and the support staff, comes up often, described as pleasant and helpful.

Customers report that their superannuation has performed better than expected under the firm's management, and that ongoing planning allowed one client to purchase a home while maintaining a steady income stream into retirement. The welcoming of questions, the plain-English explanations and the consistent availability of named advisers run through the accounts. Long-standing clients speak of being guided carefully through financial planning over many years, with the relationship itself as valued as the results, and the team's support credited with keeping retirement finances on track.