We offer tailored advice that will reward you with a strong and secure financial future.

About Us

Whether you are starting a new family, preparing for retirement, or running a business, we at Nicholls Wealth Solutions, will work with you, or your business, to build financial security.
Couple meeting a financial planner.

We are motivated to help clients at any stage of life to build wealth, plan for & enjoy retirement and achieve their dream lifestyle.

Nicholls Wealth Solutions is conveniently located at 27 Takalvan Street, Bundaberg. We are located on the edge of the city centre, on the main thoroughfare with convenient parking at the door. Office hours are Monday to Friday 9 am to 4:30 pm and we also offer after-hours & weekend appointments for the convenience of our clients.

Nicholls Wealth Solutions is a leading family orientated Financial Planning Practice, with a dedicated team of Financial Services Professionals who are passionate about our fields of expertise. Our aim is to help you get clear on your goals and take an objective look at your finances. We provide straightforward advice based on sensible, tailored strategies so that you can relax and focus on turning your dreams into reality.

With the right direction, our clients have peace of mind knowing they can access professional financial advice and ongoing support to look forward to a confident and secure future. Now more than ever trying to navigate the increasingly complex tax and super regulations, finding the time to research new investment opportunities and ensuring you meet all the required legal obligations is becoming more and more difficult. That’s why getting professional financial advice from a known and trusted source is essential. We help you define your goals, then transform them into a plan that will allow you to realise your dreams.

All advisers and planning assistants undertake ongoing training at the highest levels to keep to the absolute forefront of the financial planning industry. With the aid of our exclusive in-house computer software programs, we are able to regularly review our client investments. Our uniquely designed website provides security for clients to track their own investment portfolio performance and total financial positions from the comfort of their own home.

Meet the Team

Naomi Nicholls

Practice Principal / Financial Adviser
MFinPlan AFP®

Naomi is a wealth creation specialist and passionate Financial Adviser providing quality advice for over 21 years. Naomi has assisted many clients to help take the stress out of managing money and achieve their goals sooner. She is motivated to help clients at any stage of life to build wealth, plan for & enjoy retirement and achieve their dream lifestyle. She has worked in the financial services industry since 1998 and became a Member (AFP®) of the Financial Planning Association of Australia (FPA) in 1999.

She has attained a Masters Degree in Financial Planning, a Graduate Diploma in Applied Finance, a Graduate Certificate in Applied Finance, Advanced Diploma of Financial Services (Financial Planning) and the Diploma of Financial Services (Financial Planning). She is the Treasurer of the FPA Wide Bay chapter, has previously been the Chapter Chair and adheres to the Financial Planning Associations code of ethics.

With these qualifications and experience, she is well-positioned to help clients achieve their wealth and lifestyle objectives, through providing quality holistic advice. Naomi believes that 'the more that you understand about money, the less you have to think about it. It's about more than just finance, it's about empowering others too.'

Nicholls Wealth Solutions Pty Ltd ABN 97 614 496 678 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049, AFSL 236523.

Michael Portley

Practice Manager
JP (Qual)

With a background in banking and finance, Michael commenced his career with a large financial institution and has over 16 years' experience in the industry. He has seen first-hand the enormous positive that good financial advice can bring to people.

As the Practice Manager, Michael is the engine room of the office and oversees all IT requirements, client interviews and paperwork, compliance obligations and manages all back-office requirements from ongoing services reviews, account management, seminars and Fee Disclosure statements. Feel free to call him with any questions or updates. He is always happy to help. Michael is also a JP (Qual) and is available to assist members of the community with witnessing of documents as they require. He is also currently studying his Diploma of Financial Planning.

Karen Brown

Client Services Manager

With over 12 years’ experience in financial planning, and a previous career with a major financial institution, Karen joined the team in January 2021. As Client Service Manager, she assists your adviser to create strategies and constructs your individual tailored financial plan to ensure your financial goals are met. She is passionate about providing outstanding support to both the team and our clients and enjoys seeing how our advice has a positive impact on people’s lives.

Karen has attained a Diploma in Financial Planning and is always keen to keep up to date with changes in our industry. In her spare time, you’ll find Karen in the kitchen cooking up a storm for her family.

Emma Foster

Client Services Officer

Emma joined the team in July 2018 and provides a wide range of clerical and administrative support services to team members, clients and stakeholders of the business. This includes but is not limited to client enquiries, data entry and records management. In her spare time, Emma enjoys spending time with her husband and their two daughters.

The services we supply along the way to help you attain your short and long term financial goals.

Our Services

We pride ourselves on providing unique and tailored solutions to meet your key goals and objectives, as well as offering guidance to help keep you on track towards those goals.

Keep up to date and educated with your finances.

Latest Financial Planning News

Read the latest from the Nicholls Wealth Solutions news desk relating to the financial planning sector.
State and Federal COVID-19 support

State and Federal COVID-19 support

 The following links are to the latest state and federal government plans, schemes, programs, and initiatives...

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Lockdowns and mental health

Lockdowns and mental health

 Victoria endures its sixth lockdown as the state's cases grow; NSW records 1,281 new local COVID-1...

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The rise of the female investor

The rise of the female investor

 While society continues to grapple with the factors driving gender and pay inequity, women are proactively...

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ATO flags availability of COVID-19 early release super recontribution

ATO flags availability of COVID-19 early release super recontribution

 Individuals can now recontribute amounts they withdrew under the COVID-19 early release of super...

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Retirement can be risky business

Retirement can be risky business

 Retirees face a variety of risks in retirement including market risk, inflation risk and longevity risk...

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A proven way to build wealth

A proven way to build wealth

 Reinvesting income distributions and having the discipline to contribute regularly is a powerful way to...

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Two AAT decisions on what constitutes business real property

Two AAT decisions on what constitutes business real property

 Two recent AAT decisions shed important light on what constitutes business real property: Allzams Trust and...

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ATO zeroes in on SMSF lifestyle assets

ATO zeroes in on SMSF lifestyle assets

 The ATO will now have information on an individual’s new $65,000 car or their $100,000 boat as it looks...

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Client Testimonials

“We have recently advice from Naomi which was a smooth & efficient process. We were really pleased with the communication and explanation of strategy - no technical jargon which we didn't understand. I felt comfortable asking questions and look forward to our next meeting."

— Karen J

“I have been a client with Naomi for over 10 years now, I now have more money than when I retired & I live very comfortably. I look forward to our meetings & discussions but particularly like that she is always accessible, my finances are explained how I understand and the Christmas party & guest speaker are a highlight each year and something I look forward to. Very satisfied!”

— James P

“Excellent service. Naomi is very helpful and knowledgeable, very organised and honest. I had little understanding about Super but am now a lot more confident. Highly recommend, very professional service!”

— Margaret N

“Naomi really knows her stuff. 5 star rating. Would not dream of going elsewhere.”

— Denis C

“Naomi answered my enquiries quickly & efficiently. She took the time to explain everything clearly. Would recommend!”

— Ann C

“I have been a client with Naomi for over 10 years now, I now have more money than when I retired & I live very comfortably. I look forward to our meetings & discussions but particularly like that she is always accessible, my finances are explained how I understand and the Christmas party & guest speaker are a highlight each year and something I look forward to. Very satisfied!”

— James P

“After not having found a Financial Adviser in the past we liked and trusted, our neighbours suggested we speak with Naomi and we have not been disappointed. She listened to our needs, explained everything well and has managed to save us over $3,000 per year. Fantastic experience and nothing has been too much trouble - great”

— Tracey

“I met Naomi approximately 3 years ago after I was abandon by my previous Financial Planner. Naomi was amazing, explained things clearly and educated me on issues I wasn't aware of. Extremely comfortable now and enjoying Retirement - Naomi gave me the peace of mind I needed.”

— Des

“Naomi has given me advice in areas including Retirement Income, Wealth Creation and Centrelink. Naomi is able to explain things to me in a clear way. Through Naomi's knowledge and experience, I feel very confident that the advice given was right for my needs. I usually received Naomi's full care and attention when I need.”

— Sally

Client Resources

Use our free online tools to create budgets, manage your finances and transfer files through to us.

Get in touch with us. We're here to help you.

Contact Us

Nicholls Wealth Solutions provides financial advice to thousands of clients Australia wide. We offer tailored financial advice and a competitive fee structure. Our initial consultation is complementary.

We welcome your enquiry. To book an appointment or simply ask us a question, fill in your details and we'll be in touch soon!

Office Location

  • Shop 1, 27 Takalvan Street,Bundaberg West, QLD, 4670
  • PO Box 5301, Bundaberg West QLD 4670

Email, Phone & Fax

Send Your Enquiry

Wealth Creation

The most important step to financial freedom is to have a Financial Plan! Many people leave this until it's too late in life. Not having a plan equals less choice in your later years, causing much stress and anxiety in your family relationships that could be well avoided if only you had a good financial plan in place. How to start ...

STEP 1: Clear all your non-mortgage debts

Put a budget in place and live within your means ...

Check out the budget planner on www.moneysmart.gov.au

STEP 2: Build up your savings

Once your non-mortgage debt is under control, start a disciplined saving habit, here are some options you may want to research:

STEP 3: Speak to a Qualified Financial Planner

Markets are global and changing all the time. It is difficult for an unqualified person to understand the benefits of tax-effective savings and super contributions, never mind how to invest in managed or listed funds. This is where a qualified Financial Planner will help you personalise a plan that will see you transition from now into your retirement.

Your first meeting is at no cost and is obligation free. So no matter what your goals are, now is the time to get started on the path to where you want to be. To get in touch today: email at nichollswealth@outlook.com or call on (07) 4151 2710

Aged Care

As Australia's population continues to age, the proportion of people over 65 is rising. Many elderly people aim to remain independent and live in their own homes. But in some cases this isn't possible.

Fortunately, there are many options. Sometimes staying at home with regular support is possible and sometimes full-time in-home care is required. You may find that eventually you're faced with the difficult decision of helping your parents move to another residence where their wellbeing can be better supported.

Working with Nicholls Wealth Solutions will ensure you're aware of the options available to your parents that their needs are met and they do not unintentionally forego any financial entitlements.

Your Nicholls Wealth Solutions adviser will look at the structure of your parents' assets to maximise Centrelink aged-care and health-care benefits to help their savings and support them to stay at home.

The impact of capital gains tax as a result of the sale of any assets may also be reduced or avoided altogether.

Nicholls Wealth Solutions can be there with you from the start to assist you with every aspect of exploring and managing your parents' options and needs. For example, by:

Your first meeting is at no cost and is obligation free. So no matter what your goals are, now is the time to get started on the path to where you want to be. To get in touch today: email at nichollswealth@outlook.com or call on (07) 4151 2710

Personal Insurance

Whilst most people would never consider driving a car without motor insurance, less than a third of us insure our most important asset – our ability to earn an income. At Nicholls Wealth, we believe that one of the most critical components of any comprehensive financial strategy is protecting your personal and financial wellbeing from unforeseen illness, injury, permanent incapacity, traumatic illness or death.

Our experienced team of Financial Advisers will assist you to structure a risk management strategy to determine the most appropriate insurance solutions specific to your individual circumstances.

Our specialist range of insurances solutions include:

At Nicholls Wealth Solutions, we highly recommend that all our clients obtain protection for themselves, in the same way, we readily protect and insure our homes and cars, as we have observed the invaluable advantages a responsive and comprehensive insurance strategy can have in difficult and painful times.

More than one in five working-age parents will die, become seriously injured, or ill enough to prevent them from working.
*Lifewise/National Centre for Social and Economic Modelling, 2010

Your first meeting is at no cost and is obligation free. So no matter what your goals are, now is the time to get started on the path to where you want to be. To get in touch today: email at nichollswealth@outlook.com or call on (07) 4151 2710

Superannuation

Superannuation is principally a tax-effective mechanism of saving for your retirement. For many of us, it may be the largest asset we own, apart from our homes.

With numerous contribution options, Superannuation can become a complex and overwhelming area. At Nicholls Wealth Solutions, we endeavour to create an optimal strategy to make the most of the tax concessions, financial incentives and rebates available to help you build a nest egg which achieves your desired lifestyle in retirement.

We can assist you with comprehensive and tailored advice on:

Be it consolidating your superannuation accounts, boosting your contributions, understanding the superannuation contributions limits for the financial year or developing a plan to prepare you for your eventual retirement, our advisers can help you.

Your first meeting is at no cost and is obligation free. So no matter what your goals are, now is the time to get started on the path to where you want to be. To get in touch today: email at nichollswealth@outlook.com or call on (07) 4151 2710

Retirement Planning

A financial plan will help you clarify your financial goals and aspirations, whilst taking into account potential milestones along the way, such as children, education, lifestyle and retirement.

We take the time to gain a full understanding of your current situation and determine your short, medium and long-term financial and lifestyle goals. Next, we assess the challenges that might slow things down and your attitude to risk.

Finally, we map out a detailed plan from first steps through to long-term strategies to achieve your objectives and work with you to optimise and manage your plan.

Nicholls Wealth Solutions can assist you with:

Your first meeting is at no cost and is obligation free. So no matter what your goals are, now is the time to get started on the path to where you want to be. To get in touch today: email at nichollswealth@outlook.com or call on (07) 4151 2710

Centrelink Assistance

Social Security assistance is provided by various Australian Government Departments including Centrelink and the Department of Veteran Affairs. At Nicholls Wealth Solutions, we understand that Centrelink plays an important role for individuals and families when it comes to planning.

Payments such as the Age Pension and Disability Support Pension provide long-term financial support whilst Newstart Allowance and Sickness Allowance provide assistance for a shorter period of time.

As well as the payment of benefits you may be entitled to access certain fringe benefits. For example, if you are of Age Pension age and/or are receiving the Age Pension you may be entitled to concession cards such as Pensioner Concession Card, Commonwealth Seniors Health Card or the State Seniors Card which offer concessions, benefits and discounts. The Department of Veteran’s Affairs also provides similar benefits.

Our Centrelink advisory services provide you with strategies and advice to ensure you:

Your first meeting is at no cost and is obligation free. So no matter what your goals are, now is the time to get started on the path to where you want to be. To get in touch today: email at nichollswealth@outlook.com or call on (07) 4151 2710

Portfolio Reviews

Financial planning is a comprehensive, ongoing approach to managing all areas of your financial life.

As you plan for retirement, your focus is most likely on saving. But once you retire, your focus typically shifts from saving to generating income from your savings, planning for health care costs and making savings last.

An annual financial review gives you a chance to evaluate your financial position

Many changes can affect your investments during the course of a year. It's important to monitor your retirement and investment accounts regularly and make adjustments annually to stay on track.

Your first meeting is at no cost and is obligation free. So no matter what your goals are, now is the time to get started on the path to where you want to be. To get in touch today: email at nichollswealth@outlook.com or call on (07) 4151 2710

Useful Links

Secure File Transfer is a facility that allows the safe and secure exchange of confidential files or documents between you and us.

Email is very convenient in our business world, there is no doubting that. However email messages and attachments can be intercepted by third parties, putting your privacy and identity at risk if used to send confidential files or documents. Secure File Transfer eliminates this risk.

Login to Secure File Transfer below, or contact us if you require a username and password.

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