Andrew Rowan Wealth Management

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Andrew Rowan Wealth Management Andrew Rowan Wealth Management is a privately owned, boutique Financial Planning Practice located in Ballarat.

We hold our own Australian Financial Services Licence and are not owned or controlled by any Bank, Fund Manager or other Financial Institution, which importantly allows us to provide clients with a service that is truly a niche and suitable for their personal needs.

The downsizer contribution has to be in your fund within ninety days of settlement. Not ninety days from when you decide...
16/10/2026

The downsizer contribution has to be in your fund within ninety days of settlement. Not ninety days from when you decide, or from when the money finally clears. Moving house is chaotic and that window closes quietly, which is why we run the numbers before the house sells.

Spring is when the boards go up around Ballarat, and the downsizer contribution is the super rule most people sell their...
14/10/2026

Spring is when the boards go up around Ballarat, and the downsizer contribution is the super rule most people sell their home without ever hearing about. The name is doing you a disservice, because you do not have to downsize to use it. The full explanation is on the website.

10/10/2026

Some of the most valuable accounting conversations happen before a business owner makes the decision.

Before the new employee is hired, the equipment is financed, the premises are purchased, another shareholder comes in or a major contract is accepted.

Once the decision has been made, we can explain the financial and tax consequences. Before it is made, we can help test whether the numbers actually support it and what else the decision may affect.

That’s a big part of how we work with established businesses at Sharp Accounting. We would rather help you think through a significant decision before you commit to it than explain afterwards why cash flow or profitability became tighter than expected.

Nobody wants to sit their kids down and talk about money.It feels premature, or morbid, or just awkward. So it keeps get...
05/10/2026

Nobody wants to sit their kids down and talk about money.

It feels premature, or morbid, or just awkward. So it keeps getting put off, sometimes for years.

The families who have that conversation anyway are the ones who cope when something goes wrong. The ones who never got around to it are the ones untangling a mess at the worst possible time.

What that conversation should actually cover, in our recent blog post.

https://www.arwm.com.au/what-your-adult-children-should-know-about-your-finances/

General advice only. It does not take into account your personal circumstances. ARWM, AFSL 284901.

Most people assume that if you do not use your super cap in a given year, it simply disappears.For a lot of people, it d...
05/10/2026

Most people assume that if you do not use your super cap in a given year, it simply disappears.

For a lot of people, it does not.

There is a rule that lets you use the unused portion from earlier years, and almost nobody over fifty has been told about it.

New blog Wednesday.

General advice only. ARWM, AFSL 284901.

One conversation. One list. One known place.That is the difference between a family that copes and a family that struggl...
04/10/2026

One conversation. One list. One known place.

That is the difference between a family that copes and a family that struggles.

It is not a legal exercise and it does not take an afternoon with a solicitor. It takes a cup of tea and somebody writing things down.

What to cover, in our recent blog post.

https://www.arwm.com.au/what-your-adult-children-should-know-about-your-finances/

General advice only. It does not take into account your personal circumstances. ARWM, AFSL 284901.

Everything someone would need to know fits on one piece of paper.Your super fund. Your bank accounts. Your investments. ...
03/10/2026

Everything someone would need to know fits on one piece of paper.

Your super fund. Your bank accounts. Your investments. Your insurance policies. Your will and where the original is kept. Your power of attorney. Your adviser's name and number.

Not the balances. Not your passwords. Just where things are.

Why that one page matters more than people think, in our recent blog post.

https://www.arwm.com.au/what-your-adult-children-should-know-about-your-finances/

General advice only. It does not take into account your personal circumstances. ARWM, AFSL 284901.

The school fees stopped a couple of years ago.You worked out roughly what that freed up each month, and you had plans fo...
03/10/2026

The school fees stopped a couple of years ago.

You worked out roughly what that freed up each month, and you had plans for it. Now you look at the offset account and you could not honestly say where it went.

That conversation happens in this office more than any other one.

New blog Wednesday.

General advice only. ARWM, AFSL 284901.

Most people worry their kids will mismanage the money.That is rarely what goes wrong.What goes wrong is that nobody can ...
02/10/2026

Most people worry their kids will mismanage the money.

That is rarely what goes wrong.

What goes wrong is that nobody can find anything, nobody has the legal authority to act, and it all happens during the worst weeks of their lives.

The fix is not complicated. Find out what it looks like in our recent blog post.

https://www.arwm.com.au/what-your-adult-children-should-know-about-your-finances/

General advice only. It does not take into account your personal circumstances. ARWM, AFSL 284901.

Does anyone in your family know where your will actually is?Not roughly. Actually.Most people cannot answer that about t...
01/10/2026

Does anyone in your family know where your will actually is?

Not roughly. Actually.

Most people cannot answer that about their own parents either. The document exists. Nobody knows which drawer, which solicitor, or which filing cabinet it is sitting in.

What else belongs on that list? Find out in our recent blog post.

https://www.arwm.com.au/what-your-adult-children-should-know-about-your-finances/

General advice only. It does not take into account your personal circumstances. ARWM, AFSL 284901.

Address

1311 Sturt Street
Ballarat, VIC
3350

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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