Scott Malcolm

Money Mechanics

Platinum
21 Yrs Experience
Canberra, ACT 2601
Welcome to Money Mechanics. Thanks for stopping by to find out more about our business and our values based financial planning approach. We work in the areas of self managed superannuation, public sector superannuation, wealth creation, salary sacrifice, redundancy, estate and risk management planning. Our values based approach brings together technical expertise and the human touch to create a solution tailored towards your overall life goals. We are a fee for service business who do not receive ongoing or upfront commissions on investment products to provide a transparent service offering for our clients. Scott has been in the financial services industry since 2000 and prior to starting Money Mechanics was senior financial planner for another national firm. Scott is an Authorised Representative (ASIC No. 262368) of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL No. 236523. Scott is a Registered Tax Practitioner (Financial Services) Tax Agent Number 24653755. In 2005 he became the first Registered Life Planner (RLP) in Australia with The Kinder Institute of Life Planning, after completing the EVOKE training program in the United States and a 12 month mentorship program. In 2009 he completed training with The Money Coaching Institute and is enjoys learning all he can about the Life Planning methodology and the psychology around people’s relationship with money. Scott has been awarded the internationally recognised CERTIFIED FINANCIAL PLANNER® (CFP) certification through the Financial Planning Association of Australia SMSF Specialist Advisor® (SSA) with the Self Managed Super Fund Association (SMSFA). Scott is passionate about financial literacy and education and has been running courses at the Canberra Institute of Technology (CIT) and Laneway Learning Melbourne on Financial Planning and Money topics since 2007. In 2010 completed his Certificate IV in Workplace Training and Assessment. Scott sits on not for profit community boards and is a true believer in a ‘practicing what I preach‘ mentality. As a result, Scott has investments in the property and share markets along with having his own family Self Managed Super Fund while also enjoying work-life balance. He believes everyone should try to spend time enjoying the best of career advancement and work life as well as their family life.

Expertise

  • Government Assistance
  • Superannuation
  • Insurance Protection
  • Managing Debt
  • Retirement & Pension
  • Self Managed SuperFunds
  • Margin Lending
  • Financial Hardship
  • Redundancy
  • 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

We offer clients an exploration coffee and chat if you would like to discuss your requirements. No advice is providing during this session. We work with clients for one off coaching and advice work as well as ongoing advice with fixed fee retainer agreements.

Recent reviews

At a glance

  • Adviser status Platinum
  • Rating 4.90
  • Number of reviews 79
  • First year providing advice 2001
  • Years of experience 21
  • Highest qualification
    • Certified Financial Planner (CFP)
  • Language spoken
    • English

Money Mechanics

Level 9, Nishi Building, 2 Phillip Law St
Canberra, ACT 2601

Opening hours

  • 8:30am – 5:30pm Monday – Thursday

Meeting methods

  • In person
    In person
  • Phone
    Phone
  • Video call
    Video call

Licensed by

Infocus Securities Australia Pty Ltd

AFSL 236523

4.90
79 Reviews
5
4
3
2
1
4.85
Clear communication
4.90
Knowledge & expertise
4.90
Customer care
4.90
Likely to recommend
Showing reviews 1—10 of 79

Sort by

5.00

"My partner and I engaged Scott to help get our finances in order and create a plan for wealth creation and eventual retirement. He more than delivered. Very easy to talk to, patient, clear, keen to understand our needs, values and goals - he helped turn what used to be a cause of anxiety into something empowering and hopeful. And, because he took a step by step approach at just the right pace, I learnt so much on the way. I would highly recommend him."

  • Government Assistance
  • Superannuation
  • Insurance Protection
  • Retirement & Pension
  • Cashflow & Income
  • Complex Investments
  • Socially Responsible
  • Tax Strategies
  • Growing Assets
  • Wills & Estates
  • Budgeting
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"I have only recently realised I had substantial equity and I could do 'something' with it, but I didn't know what. I also didn't know how to choose a financial adviser. I contacted Scott on a recommendation and I'm very pleased I did. Scott provided me first with the background to my options, sought to understand very much where we were coming with, and then explained things to me in a way that was straightforward, but clearly demonstrated a broad and comprehensive knowledge. I've asked a lot of peripheral questions along the way, and no matter how left field, Scott could give me an explanation that was sufficient to tell me if I wanted or needed to know more, or to head in a different direction. At this point I'm comfortable that I'm going to benefit significantly from his advice, but that I haven't gone in too deep, and that I've been under no pressure from him to do so. Not only would I recommend him to friends and family, I already have."

  • Insurance Protection
  • Margin Lending
  • Cashflow & Income
  • Complex Investments
  • Borrowing
  • Growing Assets
  • Budgeting
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"Scott was very easy to speak with making me feel comfortable from our first introductry meeting. I found Scott extremely knowledgable and he spoke in a language that was clear and easy to understand, answering questions important to me and providing me with sound advice for my current needs giving me confidence in my decision making to plan for my present and future financial position. I would highly recommend Scott."

  • Superannuation
  • Retirement & Pension
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"Scott gave me advice on Retirement & Pensions, Superannuation, Growing Assets and Cashflow & Income and showed an impressive knowledge of all these aspects of financial planning. He put me, the client, and my needs at the centre of our discussion throughout my consultation. Scott is not only well versed in the technical details of taxation and superannuation legislation but, just as importantly, can spell out clearly the various implications of different instruments for my alternative options. Scott’s communication skills, both listening and speaking, are excellent, so he was able to answer my various questions and allay my concerns with sound advice that was right to the point and gave me real confidence about my options."

  • Superannuation
  • Retirement & Pension
  • Cashflow & Income
  • Tax Strategies
  • Growing Assets
  • Wills & Estates
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"We were very impressed with the consultation we had with Scott. He was extremely knowledgeable, explained everything clearly, and constantly checked back to made sure we understood. He didn't push us in any direction or towards any products or further consults. He also followed up with an excellent range of resources, and offered to answer any follow up questions."

  • Superannuation
  • Retirement & Pension
  • Wills & Estates
  • Budgeting
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"Scott has provided advice to our family for over 20 years. His advice is honest, succinct and understandable. We highly recommend him."

  • Superannuation
  • Insurance Protection
  • Managing Debt
  • Cashflow & Income
  • Complex Investments
  • Small Business Advice
  • Growing Assets
  • Budgeting
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
4.50

"Scott has a very approachable manner and I liked the fact that there was no pressure to consider any particular financial products or services. I felt like he was genuinely motivated to make sure his advice was in my best interests."

  • Superannuation
  • Retirement & Pension
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"Scott gave quality financial advice and was very responsive and easy to work with"

  • Superannuation
  • Insurance Protection
  • Retirement & Pension
  • Cashflow & Income
  • Tax Strategies
  • Growing Assets
  • Wills & Estates
  • Budgeting
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"Scott is an incredible adviser and his advice extends so much further than financial as he genuinely wants to understand your life goals and how you can get there. He makes complex items simple. He takes the time to walk you through and on a personal note as a woman who has gone through a divorce he understands how deeply emotions and life events are tied to finances and has a supportive and calming way about him. He helps you focus on the best future you! Thank you Scott."

  • Cashflow & Income
  • Growing Assets
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
4.50

"Scott has given my wife and I advice on superannuation, taxation, investment strategies and diversification. He is precise in providing advice and always tailored to our needs. He is a good listener and got lots of patience in handling our queries and ad hoc requests."

  • Superannuation
  • Retirement & Pension
  • Cashflow & Income
  • Complex Investments
  • Socially Responsible
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
Showing reviews 1—10 of 79

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

  • Government Assistance
  • Superannuation
  • Insurance Protection
  • Managing Debt
  • Retirement & Pension
  • Self Managed SuperFunds
  • Margin Lending
  • Aged Care
  • Cashflow & Income
  • Complex Investments
  • Expat Finance
  • Socially Responsible
  • Small Business Advice
  • Borrowing
  • Tax Strategies
  • Growing Assets
  • Wills & Estates
  • Budgeting

Qualifications & Training

Accredited Aged Care Professional

Level
0 - Training / Exam / Other
Institution
Aged Care Steps
Completed
2022

Advanced Diploma of Financial Services (Financial Planning)

Level
6 - Advanced Diploma, Associate Degree
Institution
Kaplan Professional
Completed
2007

SMSF Specialist Advisor (SSA)

Level
0 - Training / Exam / Other
Institution
SMSF Association (SMSFA)
Completed
2006

Bachelor of Commerce (Management Science)

Level
7 - Bachelor Degree
Institution
University of Canberra (UC)
Completed
2001

Certified Financial Planner (CFP)

Level
8 - Bachelor Honours Degree, Graduate Certificate, Graduate Diploma
Institution
Financial Planning Association of Australia (FPA)
Completed
2013

Professional Memberships

Financial Planning Association of Australia (FPA)

Membership type
Associate

SMSF Association (SMSF)

Membership type
SMSF Specialist Advisor
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