Smart Happy Money Co

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Smart Happy Money Co

Educating and advising people today, to improve their tomorrow. Smart Happy Money is on a mission to help you to achieve financial success.

We are an experienced team of Financial Advisors, Administrators and Mortgage Brokers who love to work alongside our clients to help them achieve great outcomes. We offer advice and services across the following areas:

- Superannuation

- Retirement Planning

- Wealth Creation

- Personal Insurances

- Mortgage and Finance

- Aged care and Centrelink

- and more

Whatever your goals, we will work with you to achieve them. Head to our website to find out more, or to book an appointment

04/09/2026

Interest rates were expected to be the big story this year.

Now hotter than expected inflation has brought the possibility of another rate rise back into the conversation.

The question isn't just “What will the RBA do?”

It's also:

“What would another rate change mean for me?”

Don't build your financial plan around predicting the next RBA decision. Build one that can handle different outcomes.

03/09/2026

Are you a spender, saver, avoider or planner? 👀

Most of us probably aren't just one.

The way we handle money can be influenced by our upbringing, emotions, experiences and what we value.

And there isn't necessarily a “perfect” money personality.

The important question is whether the way you manage your money is actually helping you achieve the things that matter to you.

Because understanding your money habits is one thing.

Knowing what to do with that understanding is another.

If you’re not sure where to start, Money Coaching can be a great first step to help you understand your habits, get organised and build more confidence around your money.

02/09/2026

One of the questions we were asked at Libraries After Dark was:

“Can a lifetime income stream help if I have slightly too many assets to receive the Age Pension I’m hoping for?”

Potentially, yes.

One strategy may be to use a portion of your assets to purchase a lifetime income stream, which can provide a guaranteed income for the rest of your life.

Depending on the product and your circumstances, lifetime income streams can also receive special treatment under the Age Pension income and assets tests, which may increase your Age Pension entitlement.

The idea isn't simply about “getting more Age Pension”.

It's about creating a retirement income strategy that balances:
🏦 Your assets
💰 Your income
🧓 Your Age Pension
🔐 The certainty of having income for life

It's one of the many strategies that may be worth considering when you're planning your retirement.

The important part? It needs to be assessed based on your individual circumstances and the specific product.

This is general information only and does not take into account your personal objectives, financial situation or needs. You should consider whether the information is appropriate for you and seek professional financial advice before making any financial decisions. Eligibility for the Age Pension and treatment of income streams depends on individual circumstances and applicable rules.

31/08/2026

What if 2% could make a bigger difference than you think?

At Smart Happy Money, we commit 2% of our gross revenue to charitable and community impact.

That support goes towards causes including environmental initiatives, Positive Attitude Inc. and Youth Law Australia.

For us, it’s not about making one huge gesture. It’s about making a small, deliberate commitment and sticking to it.

And that’s exactly the idea behind Ben Graham-Nellor’s upcoming event with Knox City Council:

The 2% Difference: How Small Commitments Create Better Businesses.

Ben will explore how small, consistent changes can improve your client experience, team culture and daily operations, while also helping businesses build authentic purpose through community and environmental causes.

📅 Tuesday, 22 September 2026
🕕 6pm – 8pm
📍 Knox Civic Centre, Function Room 4
🎟️ $10, including light food and refreshments

If you’re a local entrepreneur, sole trader or manager, come along and see what your 2% could look like.

🎟️ Scan the QR code or visit the link in our bio to purchase tickets.

28/08/2026

A little recap from a great night at Libraries After Dark! 🌙✨

We loved joining the community at Boronia Library for an evening of vision boards, financial wisdom and conversations about what the future can look like.

For us, financial education is about making money conversations more approachable and helping people feel more confident taking their next step.

A big thank you to Your Library for having Smart Happy Money involved and to everyone who came along and made the night such a great one. ❤️

We’re looking forward to more opportunities to bring financial education into the community!

27/08/2026

There are plenty of reasons people put off getting financial help.

“I don't have enough money.”
“I should already know this.”
“I'll do it when I'm earning more.”
“It's too complicated.”
“I don't even know where to start.”

Sound familiar?

And the good news is, you don't necessarily need to jump straight into full financial advice.

Our Money Coaching program can be a great starting point if you simply want help getting organised, understanding your money and building better financial habits.

You don't need to have everything figured out before asking for help.

Sometimes you just need someone to help you take the first step.

If you're not sure whether Money Coaching or financial advice is right for you, start with a conversation with the Smart Happy Money team.

25/08/2026

What if getting 2% better could make a meaningful difference to your business?

Ben Graham-Nellor, founder of Smart Happy Money, is speaking at The 2% Difference: How Small Commitments Create Better Businesses, hosted by Knox City Council.

Ben will share a practical approach to using small, deliberate commitments to improve client experience, team culture, daily operations and long term business growth.

You’ll also explore how aligning your business with local community and environmental causes can help create authentic purpose.

📅 Tuesday, 22 September 2026
🕕 6pm – 8pm
📍 Knox Civic Centre, Function Room 4, Wantirna South
🎟️ $10, including light food and refreshments

Come along, meet fellow local business owners and walk away with one practical commitment you can put into action straight away.

🎟️ Purchase your ticket by scanning the QR code or visiting the link in our bio.

24/08/2026

AI can be a great tool for learning about money and getting answers to financial questions.

But be careful about what you put into it.

Your income, debts, bank details, account information and other personal information are sensitive. Once you enter personal information into an AI tool, you shouldn't assume it simply disappears when you close the chat.

You can use AI to learn, ask questions and improve your financial literacy without giving it the details that could identify you.

Think twice before you type.

And when it comes to your personal finances, getting professional advice can help you understand your options without putting your sensitive information into the wrong place.

23/08/2026

Not ready for full financial advice? That’s okay.

Sometimes you just need a little help getting your money organised, understanding where your money is going and figuring out what to do next.

That’s where Money Coaching can help.

We’ve already helped people build better money habits, get clarity around their finances and feel more confident about taking their next step.

You don’t need to have everything figured out before asking for help.

Sometimes, you just need somewhere to start.

If you think Money Coaching could be right for you, get in touch with the Smart Happy Money team.

Address

Level 10 Suite 1008, 1 Queens Road
Melbourne, VIC
3001

Website

http://www.smarthappymoney.com/

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