Michael Carmody

Viva Wealth Pty Ltd

Platinum
16 Yrs Experience
Ardross, WA 6153
How is Viva Wealth Different to other Financial Advice Firms? Most people think financial planning is a head game all about numbers and strategies, where the goal is a larger bank balance at some point in the distant future.  At Viva Wealth, we think differently. We believe a great financial plan equips you to achieve your goals while enjoying life in the present moment. That’s why we use a Financial Life Planning (FLP) approach that considers matters of the heart – your personal goals, dreams and core values. The result is a personally tailored financial plan for achieving the life you desire. Michael is proud to have recently been awarded the FPA 2018 CFP Professional of the Year for the quality work he is doing with his cleints.

Expertise

  • Government Assistance
  • Superannuation
  • Insurance Protection
  • Managing Debt
  • Retirement & Pension
  • Self Managed SuperFunds
  • Margin Lending
  • Cashflow & Income
  • Small Business Advice
  • Borrowing
  • 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 Platinum
  • Rating 4.85
  • Number of reviews 23
  • First year providing advice 2006
  • Years of experience 16
  • Highest qualification
    • Bachelor of Arts
  • Language spoken
    • English

Viva Wealth Pty Ltd

Suite 9, 20 Kearns Cres
Ardross, WA 6153

Opening hours

  • 8:00am – 5:00pm Monday – Friday

Licensed by

Sentry Financial Services Pty Ltd

AFSL 286786

4.85
23 Reviews
5
4
3
2
1
4.90
Clear communication
4.75
Knowledge & expertise
4.90
Customer care
4.85
Likely to recommend
Showing reviews 1—10 of 23

Sort by

4.75

"Michael gave my wife and I clear direction on our transition into retirement. Along with the verbal explanations, Michael also used diagrammatic sketches and spread sheet to highlight our future pathways, including minimizing our current income tax obligations. Follow up meetings and advice clarified any potential queries we put forward."

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

"I was originally referred to Michael after realising my previous financial adviser didnt have MY best interests at heart. From the moment I sat down with Michael, I felt completely at ease. Being someone who is not very well versed in finance matters, I found Michael explained things to me in simple terms without making me feel 'dumb' and happily explained things to me when I didnt understand. He advised me on strategies that made complete sense and on those that would maximise my investment wealth. He is very passionate about his work and I left his office feeling he genuinely cared about my financial wellbeing and most importantly, my future. Michael has worked very hard on my portfolio and has given me goals to strive for and a clear path on where Im headed into retirement. I feel completely comfortable with Michael and would happily recommend his services."

  • Superannuation
  • Insurance Protection
  • Managing Debt
  • Retirement & Pension
  • Self Managed SuperFunds
  • Cashflow & Income
  • Borrowing
  • Tax Strategies
  • Growing Assets
  • Wills & Estates
  • Budgeting
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
4.25

"Michael provided advice to assist me in planning for transition to retirement by consolidating current investments, managing debt, reorganising superannuation to offset tax implications and planning for asset management. He was very explicit in his explanation and I am confident that appropriate strategies for consideration have been presented. His attention to detail in outlining avenues most relevant to my situation was appreciated."

  • Superannuation
  • Managing Debt
  • Retirement & Pension
  • Self Managed SuperFunds
  • Cashflow & Income
  • Complex Investments
  • Tax Strategies
  • Growing Assets
  • Budgeting
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"I believe that having relevant knowledge and a database of information to utilise in the process of providing financial planning advice is a given. What differentiates the good financial planners from the great is the ability to understand the needs of the individual, what is important to them and tailor the advice in easy to understand terms. Michael is the best financial planner I have encountered at doing these things."

  • Superannuation
  • Insurance Protection
  • Retirement & Pension
  • Tax Strategies
  • Growing Assets
  • Wills & Estates
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
4.75

"Michael has given us advice in areas including debt reduction, insurance and super annuation. His attention to detail was second to none. He was able to determine the different needs for both of us and adpat his strategies to suit both. Michael's knowledge and experience was outstanding and made us feel confident each time we met that we could achieve the goals we decided upon. We currently sit in the best finacial position ever in our lives since meeting with Michael, he has helped us control and manage our debt which has improved our cashflow. The overall process undertaken by Michael was thorough and we feel he is always available should we have any questions to ask. We are thrilled with the process and it has helped us become financially independent for our future."

  • Superannuation
  • Insurance Protection
  • Managing Debt
  • Cashflow & Income
  • Growing Assets
  • Budgeting
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
4.25

"The thought of retirement and managing our income on our own, was a daunting task that my husband and I were avoiding. Simply because it was just all too terrifying. Going to see Michael was the best thing that we could have done. He took the worry out of it for us. Effectively, he did all the work. He did all the maths and then explained it to us in simple terms. We were actually in a better financial position than we had thought. My husband was able to retire early with both us now having a sound knowledge of our finances and confidence to manage our retirement plan into the future. Michael was patient, knowledgeable and compassionate. He is governed by a strong ethic which is very apparent and very much appreciated. I would highly recommend Michael Carmody for all of your financial needs."

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

"Michael was recommended to Cathy and I to provide retirement advice. We both knew we wanted to retire but had little understanding of the process and how to utilise our superannuation. Michael was really approachable and talked at a level we could understand which enabled us both to grasp the concept and principals of self-funded retirement. From here Michael helped us plan our retirement and I feel really confident in our plan moving forward. Michael explained all options he presented so we could make informed decisions. Loving retirement thanks to Michael."

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

"Michael is personable and professional. He explains options available to us in an easy to understand manner. Michael has gone above and beyond to fulfil our requirements. He is efficient and follows up on information as required. The reception staff are well informed, friendly and very helpful. I have been very impressed with the quality of the service and would recommend him to our friends and business colleagues."

  • Superannuation
  • Insurance Protection
  • Retirement & Pension
  • Tax Strategies
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
5.00

"I have been dealing with Michael for years now. I have always found him to be highly professional and ethical, but what really makes Michael excel as an adviser is his ability to understand his clients. He is prepared to invest the time in building the relationship and helping them achieve their goals - I feel he has a real desire to help his clients rather than just see them as another transaction."

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

"Michael understood our needs and directed his research and recommendations to best place Cathy and I as we transition into retirement. He explained everything in simple terms so we could understand the options presented to us. As such I believe we now have now chosen the best pathway to self funding our retirement. Thanks Michael."

  • Retirement & Pension
  • Clear communication
  • Knowledge & expertise
  • Customer care
  • Likely to recommend
Showing reviews 1—10 of 23

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

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

Qualifications & Training

Advanced Diploma of Financial Services (Financial Planning)

Level
6 - Advanced Diploma, Associate Degree
Institution
Kaplan Professional
Completed
2008

Economic and Legal Context for Financial Planning - Bridging Course

Level
0 - Training / Exam / Other
Institution
Kaplan Professional
Completed
2020

Ethics and Professionalism in Financial Advice - Bridging Course

Level
0 - Training / Exam / Other
Institution
Kaplan Professional
Completed
2019

Client Engagement Skills - Bridging Course

Level
0 - Training / Exam / Other
Institution
Kaplan Professional
Completed
2020

Bachelor of Arts

Level
7 - Bachelor Degree
Institution
Edith Cowan University (ECU)
Completed
1997

Professional Memberships

Association of Financial Advisers (AFA)

Membership type
Practitioner Member

Financial Planning Association of Australia (FPA)

Membership type
Certified Financial Planner
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