Mandalay Wealth Management holds its own Australian Financial Services Licence. We answer to no bank, no institution, and no product provider — which means every recommendation we make is measured against one standard: whether it genuinely serves you.
Mandalay was founded on a straightforward conviction: the quality of financial advice a person receives should not depend on whether their name appears on the client list of a major institution. Most Australians who earn and invest well still receive generic, product-led advice that serves the provider more than the client. Mandalay exists to offer something structurally different.
When Han Spendlove established Mandalay and obtained its own AFSL, the intent was deliberate: to build a practice where advice is genuinely independent, where clients work directly with their adviser, and where every strategy is built from the ground up around the person it serves — not adapted from a model portfolio or a compliance-approved template.
That means no products pushed to meet a quota. No templates adapted to fit. No handoffs to junior staff once the paperwork is signed. The adviser who understands your situation is the adviser who remains responsible for it — year after year.
Advice serves you, not a product quota
Every fee, every recommendation — explained in full
Relationships measured in decades, not transactions
Strategy built around your life, not a template
In a market full of product salespeople and institutional planners, a handful of structural differences change everything about the advice you receive.
You work directly with Han — not a rotating pool of associates or a call centre. The person who builds your strategy is the same person responsible for it. Your situation doesn’t get summarised in a handoff note.
Mandalay holds its own AFSL (No. 331535) — not a corporate authorisation from a bank or fund manager. That independence is what allows us to recommend whatever is genuinely best for you, without the influence of an institutional mandate or a commission structure.
Your investments, superannuation, tax position, insurance, debt, and estate plan are not separate problems — they interact. We advise across all of them in a single, coordinated strategy, so progress in one area isn’t quietly eroded by an inefficiency in another.
A strategy written for a previous version of your life is not a strategy — it’s a document. Structured annual reviews ensure your advice evolves with your circumstances, goals, and the legislative environment you’re operating in.
These are not aspirational statements. They describe the specific ways Mandalay operates differently from most of the industry.
Every recommendation comes with a clear explanation of what it is, why we’re suggesting it, what it costs, and what the alternatives are. You will never be asked to sign something you haven’t had fully explained.
We do not adapt a default model to your situation. We build from scratch, starting with a thorough understanding of your income, obligations, goals, and the life you’re trying to fund. Two clients in similar positions may receive significantly different advice — because the details matter.
We build for the long term because that’s what financial advice is for. The aim is a relationship where, over time, your adviser knows your full financial story — and that accumulated understanding informs better decisions every year.
Mandalay Wealth Management holds Australian Financial Services Licence No. 331535, issued by the Australian Securities and Investments Commission (ASIC). We are legally bound to act in the best interests of our clients under the Corporations Act 2001.
As a licensed practice, we maintain comprehensive compliance procedures, including documented advice processes, conflict-of-interest management, and ongoing professional development requirements. Our commitment to regulatory excellence means you can be confident that every recommendation meets the highest professional and legal standards.
Our Financial Services Guide (FSG) outlines the services we provide, how we are remunerated, and how we handle any complaints. We encourage all prospective clients to review this document before engaging our services. This FSG is published as Website Disclosure Information under the Treasury Laws Amendment (DBFO) Act 2024.
No obligations. No off-the-shelf plans. A structured initial meeting where we understand your situation and explain what working together would look like.
Start the ConversationConfidential · No obligation · AFSL 331535