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Virtual Financial Planning

Are you time poor or are you located regionally? Future Needs Virtual Financial Planning Service offers convenient and accessible financial planning. Your qualified financial planner can discuss your goals, investments, and budgets via virtual meetings and messaging. Trust our professional team to provide efficient solutions for individuals seeking sound financial futures. Get started today!

Why choose our Virtual Financial Planning Service ?

Future Needs Virtual Financial Planning Service offers convenient and comprehensive financial guidance and advice through online platforms and digital tools. This approach enables individuals and businesses to receive personalised financial strategies and recommendations from our Certified Financial Planners without the need for in-person meetings.

Through virtual meetings, emails, and secure messaging, clients can discuss their financial goals, investment strategies, retirement planning, budgeting, and more. The convenience of virtual financial planning allows for greater accessibility, especially for those with busy schedules or geographical limitations. It also underscores the increasing integration of technology in the financial sector, offering efficient and effective solutions for individuals seeking to secure their financial future.

Future Needs’ Virtual Financial Planning Service offers several benefits:

Convenience: Clients can engage with financial planners from the comfort of their homes or workplaces, eliminating the need for travel and scheduling conflicts.

Accessibility: Geographical limitations are overcome, allowing clients to work with our financial experts regardless of their location.

Flexibility: Virtual financial planning accommodates busy schedules, as meetings can be arranged at mutually convenient times.

Personalised Advice: Clients still receive tailored financial strategies and advice, just as they would in traditional settings, through virtual platforms.

Secure Communication: Digital tools ensure secure communication and data sharing, maintaining client confidentiality.

Efficient Updates: Changes to financial plans or portfolio adjustments are communicated and executed swiftly through online channels.

Document Sharing: Important financial documents are easily shared and stored digitally, reducing paperwork and the risk of document loss.

Evironmental Impact: Virtual services contribute to a smaller carbon footprint due to reduced travel and resource consumption.

Technological Integration: Clients benefit from the integration of advanced financial tools and software that can provide more accurate projections and insights.

Overall, Future Needs Virtual Financial Planning Service provides a modern and accessible way for individuals and businesses to effectively manage their finances and plan for the future.

We are dedicated to provide timely service and quality whilst adapting with the times to offer our clients innovative solutions.

    The benefits of Virtual Financial Planning


    Modern Approach to Expert Advice

    Future Needs Virtual Financial Planning Service combines the expertise of certified professionals with the convenience and flexibility of digital communication, offering a modern and effective approach to managing one's financial health.


    A Streamlined Financial Planning Process

    Future Needs has a streamlined process for providing personalised financial advice. This includes collecting necessary information, setting client expectations, and explaining the virtual communication and document-sharing process.


    Commitment to Success

    We are genuinely dedicated to your financial well-being and committed to helping you achieve all your goals. Your success is our top priority, and we invest our time and efforts to provide the best possible financial planning services. Virtual financial planning allows us to do this with the greatest efficiency.


    Ongoing Support and Guidance

    Our commitment to your financial well-being extends beyond creating a financial plan. We provide virtual and in person ongoing support and guidance throughout your journey to help you stay on track. Our team will be there to answer your questions, offer financial education resources, and provide the motivation you need to stay focused and achieve your goals.


    Virtual Financial Planning

    Comprehensive virtual financial planning services encompass a wide range of offerings that cover various aspects of an individual’s or business’s financial well-being. These services can be delivered entirely through virtual means, leveraging technology to provide holistic financial guidance and support. Here are some components that can be included in comprehensive virtual financial planning services:

    Financial Goal Setting: 

    Collaborating with clients to define short-term and long-term financial goals, whether it’s retirement planning, education funding, buying a home, or starting a business.

    Budgeting and Cash Flow Management: 

    Assisting clients in creating and maintaining a budget to effectively manage their income and expenses, aiming for financial stability and optimal resource allocation.

    Debt Management: 

    Analysing existing debts, such as loans and credit card balances, and devising strategies to reduce debt efficiently and improve overall financial health.

    Investment Planning: 

    Developing personalised investment strategies based on your risk tolerance, financial goals, and time horizon. We provide guidance on asset allocation, portfolio diversification, and investment selection.

    Retirement Planning:

    Evaluating clients’ retirement needs and develop plans to ensure they are on track for a comfortable retirement. This includes assessing pension plans, superannuation, and other retirement accounts.

    Tax Planning: 

    We offer strategies to minimise tax liabilities, such as optimising deductions, tax-efficient investment choices, and year-end tax planning.

    Estate Planning: 

    We collaborate with clients to create comprehensive estate plans, including wills, trusts, and beneficiary designations, ensuring their assets are distributed according to their wishes.

    Risk Management and Insurance: 

    We analyse your insurance needs and recommend appropriate coverage, such as life insurance, disability insurance, and income protection insurance.

    Education Planning: 

    We assist clients in planning for education expenses, whether it’s saving for university or other educational pursuits.

    Major Life Event Preparation: 

    We help clients navigate major life events like marriage, divorce, birth, or loss, providing financial guidance during times of change.

    Financial Education: 

    We educate our clients on financial literacy topics, empowering them to make informed decisions and understand the implications of their choices.

    Regular Progress Reviews: 

    We conduct periodic reviews to track progress toward financial goals, adjust strategies as needed, and ensure clients remain on the right path.

    Access to Financial Tools: 

    We recommend and provide access to financial tools, calculators, and resources that empower our clients to make informed financial decisions

    Financial goal planning

    Cash flow management

    Risk assessment strategy

    Investment portfolio optimisation

    Our Approach to Virtual Financial Planning

    At Future Needs, we approach virtual financial planning seriously.  We ensure our financial planners have the necessary qualifications and certifications to offer financial planning services in Melbourne, Australia. We understand that you need to trust our expertise, so having the right credentials is crucial.

    At Future Needs, we invest in the right technology tools and our priority is to protect your data. Our advisors have access to video conferencing software and secure messaging platforms. We prioritise data security and compliance with privacy regulations and have implemented measures to protect client information and ensure secure document storage.

    Future Needs financial advisors stay updated with the latest trends and developments in the financial industry. Enhancing their expertise, this allows them to provide the best advice to you.



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    We are dedicated to provide timely service and quality whilst adapting with the times to offer our clients innovative solutions.


    Yes! We understand that circumstances change and sometimes a meeting in person is necessary. At Future Needs we offer a balanced approach that combines virtual convenience with occasional in-person interactions or other communication methods as needed.

    Not at all. We know that some clients, particularly those from older generations, might not be comfortable with the technology required for virtual financial planning. We are aware of these potential issues and can work together with you to mitigate them effectively and find a way of overcoming any challenges.

    Some financial matters are complex and may require detailed explanations. We focus on clear communication and aim to ensure you receive the same level of clarity as in face-to-face meetings. To ensure there are no misunderstandings we use various types of communication avenues as needed.

    We understand that some clients may have concerns about the security of their financial information when shared over digital platforms, leading to trust issues. To mitigate these issues, we focus on strong security measures to protect your data. We have advanced encryption and security measures in place to protect sensitive financial information shared over virtual channels. 

    As well, for your peace of mind, we are fully accredited authorised representatives of The Complete Planner, Australian Financial Services Licence 278161. As such we are bound to the regulatory requirements imposed by the Australian Securities and Investments Commission (ASIC), which oversees licensing, compliance, and professional standards for financial advisors and planners. Here’s a link to our registration on the Financial Advisers Register: