Michelle Liddle

Cultivate Wealth

Silver
7 Yrs Experience
Essendon, VIC 3040
I have worked in the financial services industry since 2001, with experience in both the financial planning and mortgage broking industries. Whilst working in the mortgage broking industry, I realised I wanted to be able to help people develop a more holistic financial strategy to achieve all of their financial and lifestyle goals. I have a passion for finance and love working closely with my clients to help them on their journey to financial freedom. I am committed to saving you time and giving you peace of mind that your finances are in good hands. I provide an honest and genuine service that helps people balance saving for the future whilst also enjoying the journey! I've worked with many different types of clients from all walks of life and enjoy the unique challenge that each new client brings. I have experience with families wanting to protect their loved ones, pre-retirees hoping to secure a financially healthy retirement, professionals looking to build their wealth and small business owners trying to build a successful business. I look forward to working with you!

Expertise

  • Government Assistance
  • Superannuation
  • Insurance Protection
  • Managing Debt
  • Retirement & Pension
  • Self Managed SuperFunds
  • Margin Lending
  • Small Business Advice
  • Tax Strategies
  • Growing Assets
  • Wills & Estates
  • Budgeting

My fees

I offer a free initial consultation for potential new clients. Get in touch

Recent reviews

At a glance

  • Adviser status Silver
  • Rating 4.90
  • Number of reviews 26
  • First year providing advice 2015
  • Years of experience 7
  • Highest qualification
    • Advanced Diploma of Financial Planning
  • Language spoken
    • English

Cultivate Wealth

94 Fletcher St
Essendon, VIC 3040

Opening hours

  • 9:00am – 5:00pm Monday – Friday

Licensed by

Alliance Wealth Pty Ltd

AFSL 449221

4.90
26 Reviews
5
4
3
2
1
4.95
Clear communication
4.80
Knowledge & expertise
5.00
Customer care
4.90
Likely to recommend
Showing reviews 1—10 of 26

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5.00

"Michelle (and her team) provided my wife and myself with invaluable financial advice during during all our meetings and kept us informed of the process. She used simple and easy-to-understand language (no jargon) and spent a detailed amount of time going through the different strategies available to us. I would highly recommend her to family and friends."

  • Growing Assets
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"When I first spoke to Michelle I had no idea about Superannuation and Insurances. When speaking to Michelle about Superannuation and Insurances she was clear and able to explain things in a way even I understood. You can tell by speaking to Michelle that she knows what she's talking about and really care about you as a client. I have already recommended her to people, and will continue to do so."

  • Superannuation
  • Insurance Protection
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"Michelle and Ken are quiet a team. They are extremely knowledgeable and the one of the most proactive professionals I have worked with. Michelle was excellent in helping us navigate a complex set of insurance set up and updated and guided us each step of the way. They had a plan and recommendations on how we should set up insurances and demonstrated great subject matter expertise during the process. Even working remotely with them was a breeze and we felt comfortable reaching out to them with any questions we had re our insurance needs."

  • Insurance Protection
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
4.75

"Michelle gave me advice and put me on the way to choose a more appropriate superannuation fund. We had several technical talks about various investments, tax strategies and life insurance with estate planning for the family. I did not have the chance to meet with her but she was very available to speak and always manage to answer shorlty. Very nice to have someone who can help or answer questions when you are a new resident in the country. Very nice, well organised, ponctual and friendly. Very professional to my opinion. Thanks..Olivier"

  • Superannuation
  • Insurance Protection
  • Wills & Estates
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
4.75

"Michelle has given me advice on life/TPD/trauma/income protection. Michelle was very clear in the explanation how how these insurances all work together and how they can best benefit myself and my partner. in giving recommendations, Michelle was very thorough and went through the ins and outs of the different policies. i feel very comfortable with the advice received and would not hesitate in referring friends or family to her"

  • Insurance Protection
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"Michelle and Ken were able to give me advice, guide and support me with my new business and managing my superannuation and insurance amongst other financial concerns that I had. Michelle was able to explain things to me in a clear way. I felt very confident that the advice and care given was right for my needs. I will be seeking their professionalism and expertise in the future."

  • Insurance Protection
  • Self Managed SuperFunds
  • Small Business Advice
  • Tax Strategies
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"Michelle provided both clarity and insight into my financial situation and by listening, worked out the best approach for me whilst explaining the deeper context of those decisions. Professional and personable, highly recommended!"

  • Superannuation
  • Insurance Protection
  • Growing Assets
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"Michelle made finding new income protection so easy and straightforward, I would highly recommend her and her husband Ken."

  • Insurance Protection
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"Michelle has been amazing throughout the whole process for us. We wanted to sort through Superannuation, Insurances and making good money decisions for our future. Michelle was extremely thorough and easy to understand. We never felt lost in what was being discussed and she put it in terms which made it easy for us to follow. Michelle provided multiple options for each of our scenario's and it was completely our decisions with how we proceeded. We will happily be recommending Michelle to friends and family, and hopefully they benefit from her advice as much as we have."

  • Superannuation
  • Insurance Protection
  • Self Managed SuperFunds
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
4.50

"Michelle was very knowledgeable and was able to explain the different types of insurance available to us in a clear way. We feel very confident the advise Michelle gave to us was right for our needs."

  • Insurance Protection
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
Showing reviews 1—10 of 26

My clients have reviewed me based on the following areas of advice

  • Superannuation
  • Insurance Protection
  • Managing Debt
  • Retirement & Pension
  • Self Managed SuperFunds
  • Cashflow & Income
  • Small Business Advice
  • Borrowing
  • Tax Strategies
  • Growing Assets
  • Wills & Estates
  • Budgeting

Qualifications & Training

Diploma of Financial Planning (1-8)

Level
5 - Diploma
Institution
Kaplan Professional
Completed
2015

Advanced Diploma of Financial Planning

Level
6 - Advanced Diploma, Associate Degree
Institution
Kaplan Professional
Completed
2016

Professional Memberships

Financial Planning Association of Australia (FPA)

Membership type
AFP
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