Empowering you to achieve success through financial coaching and strategic advice. 

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.
Take the first step and book a 15 minute quick call today and one of our coaches will chat with you about your goals and the steps you can take to live a life of abundance.


We are passionate about helping 'everyday' people get ahead through careful planning, coaching and education. 
You can meet with us at our offices in Melbourne's eastern suburbs or online.
We look forward to helping you achieve your goals and dreams. 

Why financial advice?

Watch this video.

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

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

P. 1300 592 539

E. info@smarthappymoney.com.au

Or click here for our booking/contact page


smart.happy.money is a trading name of BGN Financial Management PTY LTD

Ben Graham-Nellor is a Sub Authorised Representative (291391) of BGN Financial Management PTY LTD (ABN 45 672 104 196) which is a corporate authorised representative (468796) of Professional Investment Services Pty Ltd (ABN 11 074 608 558) which is the holder of Australian Financial Services License No.234951.

The information provided on this website has been provided as general advice only. This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication. By entering your details to this website you are agreeing to be added to the BGN Financial Management contact list and will receive, from time to time, newsletters, updates and invites to events etc.  You can opt out at any time by emailing ben@bgnfinancial.com.au

Professional Investment Services Pty Ltd | ABN 11 074 608 558 | AFSL No. 234951 

Website | www.centrepointalliance.com.au/PIS 

Financial Services Guide | www.centrepointalliance.com.au/fsg/pis 

Neeliya Cooper Credit Licence No. 501079 Ph : 0419260226

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