David Ramsay

Income Solutions

Gold
35 Yrs Experience
Geelong, VIC 3220
As a Financial Planner, I work with a range of clients with varied circumstances, ages and occupations to determine a solid financial plan that supports both current and future financial security and freedom.  For over 30 years, Income Solutions has provided quality financial planning advice and service to our clients within the Geelong and wider community.  We have a solid investment philosophy, a focus on client education and an established advice process. I am the founder of Income Solutions and have had the honour of working with many clients over three decades that I have been in the industry.  In many cases, the word 'client' has been replaced 'friend', and it gives me great pleasure to see my diary filled with the names of people whose company I truly enjoy. I have a Bachelor of Commerce, with a Financial Planning major, and am a Certified Financial Planner.    My education and experience provides clients with the knowledge and confidence to take control of their financial security.    Please feel welcome to contact me and I look forward to hearing from you.

Expertise

  • Government Assistance
  • Superannuation
  • Insurance Protection
  • Managing Debt
  • Retirement & Pension
  • Self Managed SuperFunds
  • Margin Lending
  • Aged Care
  • Socially Responsible
  • 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

Fee Structure detailed in a unique 4 STEP FINANCIAL PROCESS: 1) INFORMATION EVENING ~ Opening your eyes to a strategic way of thinking about your financial future. 2) RIGHT FIT MEETING ~ What you can expect from us working together and in partnership with you. 3) DISCOVERING YOU GOALS ~ Gain a clear picture of where you are now and where you want to be into the future. 4) BIG PICTURE ~ You will be presented with a personalised strategy specifically designed to achieve your identified goals.

Recent reviews

At a glance

  • Adviser status Gold
  • Rating 4.90
  • Number of reviews 4
  • First year providing advice 1987
  • Years of experience 35
  • Highest qualification
    • Certified Financial Planner (CFP)
  • Language spoken
    • English

Income Solutions

153 Mercer St
Geelong, VIC 3220

Opening hours

  • 9:00am – 5:00pm Friday
  • 9:00am – 6:00pm Monday – Thursday

Licensed by

Australian Unity Personal Financial Services Ltd

AFSL 234459

4.90
4 Reviews
5
4
3
2
1
4.75
Clear communication
4.75
Knowledge & expertise
5.00
Customer care
5.00
Likely to recommend
Showing reviews 1—4 of 4

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5.00

"For over 20 years David has given me (and my wife) sound and consistent advice in areas including superanuation strategies, wealth accumulation, loan procurement and management, tax related strategies and investment advice that has proven highly credible and produce the planned dividends and passive income streams we discussed and committed to at the outset of our relationship. David is consistent in his messaging and strategies. His advice is clear and concise. Davids knowledge and experience has proven to be of a very high standard and has given us the confidence to commit to the strategies proposed and which have delivered. Davids personal commitment to us as clients has been consistent from day one ."

  • Superannuation
  • Managing Debt
  • Retirement & Pension
  • Margin Lending
  • Cashflow & Income
  • Complex Investments
  • Borrowing
  • Tax Strategies
  • Growing Assets
  • Wills & Estates
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"'David has given me advice in areas including loan products, self managed super funds and managing debt. David was usually able to explain things to me in a clear way. Through David's knowledge and experience, I feel very confident that the advice given was right for my needs. I usually received David's full care and attention when I needed it.' David has been recommended to many colleagues who are now using his advice and he has built trust through his honest approach"

  • Superannuation
  • Insurance Protection
  • Managing Debt
  • Retirement & Pension
  • Margin Lending
  • Cashflow & Income
  • Complex Investments
  • Expat Finance
  • Tax Strategies
  • Growing Assets
  • Wills & Estates
  • Budgeting
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"My wife and I have been advised by David for 25 years. We have seen him build up a successful advice business over that time, always focused on ensuring clarity around our goals and taking a measured, long-term approach to investing. He has provided great counsel over that time, demonstrating how advisers add value by encouraging clients to stick to a good plan rather than jump around in response to stormy short-term markets. David also takes a keen interest in my professional endeavours and has helped me with ideas and networking assistance during periods of unemployment."

  • Superannuation
  • Insurance Protection
  • Growing Assets
  • Wills & Estates
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
4.50

"David is a wonderful person to deal with and very accommodating and patient. We enjoy the interaction and advice."

  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
Showing reviews 1—4 of 4

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

  • Superannuation
  • Insurance Protection
  • Managing Debt
  • Retirement & Pension
  • Margin Lending
  • Cashflow & Income
  • Complex Investments
  • Expat Finance
  • Borrowing
  • Tax Strategies
  • Growing Assets
  • Wills & Estates
  • Budgeting

Qualifications & Training

Diploma of Financial Planning (1-8)

Level
5 - Diploma
Institution
Financial Planning Association of Australia (FPA)
Completed
2000

Certified Financial Planner (CFP)

Level
8 - Bachelor Honours Degree, Graduate Certificate, Graduate Diploma
Institution
Financial Planning Association of Australia (FPA)
Completed
2001

Bachelor of Commerce (Financial Planning)

Level
7 - Bachelor Degree
Institution
Deakin University
Completed
2020

ASIC RG146 (Margin Lending)

Level
0 - Training / Exam / Other
Institution
ThreeSixty
Completed
2010

Self Managed Superannuation Funds (SMSF)

Level
0 - Training / Exam / Other
Institution
Kaplan Professional
Completed
2003

Professional Memberships

Financial Planning Association of Australia (FPA)

Membership type
Associate
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