We don't just create retirement plans. We help above-average earners build real wealth.

Financial planning for high-income families in their 40s and 50s so you retire on your own terms, with a plan built to make your money last.

5.0
Angela S.
Dave and his team have taken out the stress of managing our super. We have a clear path now and feel we are in good hands also there to provide financial advice when selling our units and where to best place money for retirement.
Matt B.
David is not only very experienced and knowledgeable but he listens to the needs and aspirations of his clients. Very smooth process and detailed plan which has been working very well. Highly recommend David to manage and improve your financial outlook.
Shaun P.
Very professional and down to earth.
Sue N.
We can't recommend Elements Financial Planning Australia highly enough. David Loughnan has been our financial planner for many years and is always professional, friendly and someone we completely trust. Thanks to his guidance, we were able to retire early. Even our younger family members now use David.
Barry E.
I've been client of David's for 15 yrs, taking care of my superannuation which has allowed myself to retire comfortably with minimal stress. He (&team) have always been available to answer or clarify things so even I understood which I appreciated! I first met him when he was based in a local tax agent I used & I was needing advice on how to prepare better for retirement while still working, he has achieved this much to my benefit! I thoroughly recommend David's team at Elements
Kirstin
We couldn’t be happier with our experience with Elements Financial Planning. We initially sought financial advice to get greater clarity and confidence around our financial future, and the team made the entire process easy to understand and comfortable from the beginning. They took the time to understand our goals, provided clear and practical advice, and genuinely cared about achieving the right outcomes for us. We now feel much more confident and organised about our finances and our future. We would highly recommend Elements Financial Planning to anyone looking for knowledgeable, approachable and genuinely caring financial advice.
fernando D.
Thank you Elements Financial Planning. I was well into my 50s without a clear grasp if I was in the right track feeling i had missed the bus. It was such a pleasant experience working with your team. I was able to formulate a plan and have lots of clarity on what was going on now and for the future. Best of all was the ability for Dave and his team to relate to my own circumstances and patiently tailor a structure around that. Thank you so much. I wish I've done this earlier!
Adam J.
My wife and I are in our 40s and have been using Elements Financial Planning now for around 7yrs to help with our SMSF investing and financial security. It has been great to see our retirement heading in the right direction with smart investments and forward planning from Elements. I highly recommend David and the team, they are great at what they do, nothing is ever too much to ask and super quick to respond.
Brian T.
We sought financial advice to gain clarity around our future financial goals and ensure we were making informed decisions. David and team are professional, knowledgeable, and genuinely supportive throughout the entire process. They took the time to understand our needs and provided advice that was clear and easy to follow. As a result, we now have more confidence in our financial future and a structured plan to achieve our goals. We highly recommend their services to anyone looking for trusted financial advice and exceptional client service.
Chris P.
I'm now into my second year with Dave and the Elements team, and the advice has been well prepared with time taken to step me through everything. Most importantly the returns have far exceeded my expectations.
David P.
Dave and his team at Elements Financial have gotten me back on track with my super and financially. Feeling at ease now as Dave has created a path and goal. Thanks team!
Cathy S.
Dave has been amazing for our financial planning. We have had a growth of over 16% in super this year, I feel very safe and secure with him looking after our financial future. Highly recommend
SK
We have been working with Elements Financial Planning for almost three years and it has been a very positive experience. From the initial discussions on our current position and goal setting through to strategy implementation and ongoing reviews, David and his team have been extremely professional and approachable at every stage and together we have achieved exceptional results and are well on track to achieving our financial goals. Highly recommend Elements Financial Planning for financial planning services.
Scott W.
I’ve been working with Dave for a few years now and he has delivered beyond expectations. He is extremely knowledgeable in his industry, he genuinely cares and is very reliable. I have recommended Dave to many of my friends.
Kellie L.
We have been using Elements Financial Planning for about 3 years now and have found them very professional, helpful and friendly. The guys are always willing to explain things to us to ensure we understand our investment strategy fully. We have complete faith in Dave and the team on getting us to our retirement goals. We highly recommend Elements to anyone looking for financial advise and planning.
Jason L.
David and his team have helped my wife and I to reach financial security, achieve goals , david mentoring has helped us in many facets of our lives in a positive way.
Andre D.
David Loughnan and his team have consistently provided financial planning support to my wife and I, keeping us focussed on achievable financial goals. We look back over the years and value the guidance, tools provided to support with cashflow management and our regular and ad hoc check in meetings where we all get on the same page. Nothing if ever too much effort and we feel comfort in safe pairs of hands keeping and eye on our various assets while we are busy with work and family. I would strongly recommend their services.
shane S.
I highly recommend Elements Financial Planning. Great communication, trustworthy and an expert in the field.
Eric C.
We started working with Dave about 6 years ago, he has been a tremendous help with our finances. With his help we have saved on our taxes and grown our super accounts to an all time high. We would highly recommend Dave at Elements Financial Planning. We are now on track to having a healthy retirement fund.
Daniel P.
David and the team at Elements have been absolutely phenomenal to work with, and their expertise and attention to detail has helped my family have great piece of mind and security.
Ben P.
Highly professional service and excellent advice. Cannot recommend Dave and the team highly enough.
Bruce M.
Hi Guys I have been working with Elements Financial Planning for many years now and I have been blown away by their personal and professional attitude towards our future I would totally recommend them for any plans for future financial investment opportunities. Bruce
Neil T.
David was extremely thorough understanding our circumstances, future goals and needs. I have no hesitation recommending David and his team.
Robert L.
David and his team at Elements Financial Planning got me back on path with not only my super, but by also considering my other commitments such as mortgage and everyday living. I now know that I’ll retire comfortably in a couple of years thanks to their help. His choices and guidance have consistently outperformed regular super funds and I would be very confident in recommending his services.
Annick Fook S.
Huge thank you to the Team for helping me setting up my personal Insurances. Every interaction I had with the Team and David has been very smooth, and there is no need to follow up as they are so proactive. High recommend Elements Financial Planning to anyone that needs financial advice.

You've earned a great life.
The goal now is keeping it.

Sound familiar?

You've survived the whirlwind of raising young kids and building your career. These are your peak earning years. Right now. Every month without a clear plan is compounding you can't get back.

You've earned this moment. We help you make it count.

Precision-built Financial Plans for above-average earners

Stop overpaying tax

Structures and strategies that keep more of what you earn.

Move faster toward freedom

Find the opportunities that get you to financial independence sooner

Watch the numbers move

Real, visible progress you can track — not just a plan on paper.

Most financial plans sit in a drawer. Ours doesn't.

In today's world of complexity and uncertainty, tax, debt, and inadequate retirement savings quietly cost people years of progress — often without them realising it.

elements-financial-planning-david-loughnan

It can feel like you're stuck in neutral, going nowhere fast. At Elements Financial Planning, we're here to accelerate your wealth with a clear, confident path forward.

Using our proprietary Shield System, we help above-average earners and business owners fine-tune cash flow, invest strategically, and protect what they've built — so financial independence isn't a someday goal, it's a tracked outcome.

You're not alone, and it doesn't have to be complicated. We'll explain everything in plain language and guide you to the right choices for your future — no stress, just clear steps forward.

Book a phone call

Feel good about your financial life

We've seen what quietly costs people years — and what makes the difference

Thirteen years of doing this gives you judgment: the ability to spot the mistake you'd miss and the opportunity you didn't know was there.

We love the complex problems — coordinating with your accountants and legal team to minimise tax and build your wealth with intention.

And we stay with you for the long haul. Not a one-off plan, but a partner keeping you accountable, on track, and moving forward year after year.

How we work together

Step 1

Call

Start with a free 15-minute phone call. We find out where you are, where you want to go, and whether we're the right fit.

Step 1

Step 2

Clarify

A focused 45-minute consultation — virtual or in person — where we dig into your full financial picture and show you what's genuinely possible.

Step 2

Step 3

Plan

We design your personalised strategy: the systems, structures, and steps to move you from where you stand today to where you want to be.

Step 3

Step 4

Progress

We meet regularly to review results, refine your plan, and keep you accountable. Reach out any time — no question too small, no opportunity too big.

Step 4

Financial Planning Podcast Episodes

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Download our free guide

5 closely guarded secrets of the super wealthy

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