Financial Freedom by Design

Financial Freedom by Design is a Geelong-based financial planning firm. Robert Kirtley is a financial adviser who has worked in the financial planning industry since completing his Bachelor of Commerce in 2005. He completed his CFP Certification Study and graduated from the MLC Scholarship Program in 2010. Michael Dudesin is a financial adviser who has worked in the financial planning industry since January 2008. He completed a Master of Commerce Degree specialising in Financial Planning and Finance and graduated from the MLC Scholarship Program in March 2012. The firm charges flat dollar fees for upfront and ongoing advice rather than a percentage of investment or super balance.

It is an authorised representative of Beryllium Advisers Pty Ltd. The firm's services include investment, debt, protection, super, and retirement income advice.

Geelong clients of Financial Freedom by Design frequently describe Robbie and Mick as the reason their financial planning became manageable, with the pair named repeatedly for walking customers through home loan refinancing, superannuation decisions and realistic goal setting. Reviewers repeatedly note the absence of sales pressure, saying they were never pushed into any commitment and were instead guided through difficult choices and alternative options at a comfortable pace. The depth of expertise on show is another recurring theme, with advice described as knowledgeable, diligent and practical, while solutions are said to arrive promptly when needed.

A willingness to go beyond expectations features across accounts, as does the tailoring of strategies to individual situations rather than a standard template. Several customers mention feeling less overwhelmed about the future after sessions, and one notes that much of the hard work was carried out on their behalf, leaving them confident about long-term security without managing every detail alone. Relationships spanning multiple years are common, with clients describing themselves as loyal for life and thanking the team for continued guidance.