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Educating and Advising People Today, to Improve Their Tomorrow

You are an individual and your financial needs are as individual as you are. 

That's why we work with you to discover your goals  and walk alongside you as you achieve them.

We are passionate about helping  people get ahead through careful planning, coaching and education. 
Whether you need a plan for your financial success or help getting a mortgage for your first home, we can are here to help you reach your goal.

We look forward to helping you achieve your goals and dreams. 

Why financial advice?

Watch this video.

We give back

At Smart Happy Money we believe that it is important to look after the world around us, including those in need.  

Throughout the year we run free or subsidised money management courses at local community houses, we participate in the PFAN network, a pro bono financial advice offering to those who cannot access advice through traditional means and through our program of corporate social responsibility we....

Plant 10 trees (via One Tree Planted) for each loan application lodged through a Smart Happy Money broker


Provide safe water to a community in need (via Tear Australia) for each new financial planning client. 

We live in a beautiful world and we want to keep it that way.


What people say about Smart Happy Money

“My husband and I are novices when it comes to super and investments so we were feeling fairly tentative when we first met with Ben, but as soon as we walked in the door he made us feel welcome and took the time walk us through all our questions and fears. Ben is super helpful and flexible with meeting times, supporting the time restrictions of full time workers, and is readily contactable. We feel very safe and assured that our savings are in good hands.”

Karina- Client of Smart Happy Money

Loving Couple

Ben was asked to provide financial advice about the influence of the sale of a parental family home would have on entitlements, including both DVA and Aged Pensions. The written advice given was extremely comprehensive and made our decisions straight forward. We were very happy to resolve what we thought was a complicated family situation with such a straight forward document and personal explanation.

David and Lynne- Clients of Smart Happy Money

Eighteen months ago I decided to hang up my working career boots after 33 years.

I needed help to organising my financial affairs, It was too hard and frightening to think about the managing my superannuation , mortgage and overall day to day expenses in my life.

I approached my old friend whom he was a financial adviser and presently retired, he refer me to a guy called Ben Graham -Nellor from Smart Happy Money 

I was initially concerned regarding choosing any  Financial institution?  reason costing and horrible stories I heard about those financial organisation.

But what I found was : Ben quickly put a pack together for me in a simple, understanding and fluent finance language for some one like me whom has got no knowledge of controlling her own finance. 

The results that I got were opposite my impression of financial Institution, Ben was a trusty, approachable and supportive.

I refer Smart Happy Money to some of my friends which they are very pleased with Ben's service as much as I am.

Also I highly recommend Smart Happy Moneyto everyone, I particularly liked their honesty, trustworthy, approachable and reasonable. 

Azar-Client of Smart Happy Money

“ I understand so little about our financial system in Australia that I was nervous about getting financial advice, because I felt like I wouldn’t know who to trust. Ben was so up front and transparent that I feel better immediately. I’m so grateful to be able to feel more confident in my financial future!”

Ash- Client of Smart Happy Money

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