Most Australians earn well, build something, and still feel like their financial life is scattered. Mandalay brings your entire picture — super, investment, tax, insurance, property, and retirement — into one clear, connected strategy.
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Most high-income Australians have built genuine financial substance — strong earnings, a growing super balance, investments, property, or a business they've worked hard to build. What's less common is a single, coordinated strategy that connects all of it and makes each part work harder because of the others.
Without that coordination, tax efficiency erodes quietly. Superannuation drifts away from retirement goals. Insurance set years ago no longer reflects current obligations. Opportunities to accelerate wealth accumulation go untaken — not from any lack of effort, but simply because the full picture has never been brought together and managed in one place.
That’s what changes when you work with Mandalay. Every part of your financial life brought into a single, coordinated strategy — and kept that way as your wealth and your life evolve.
Mandalay brings every part of your financial life into one coherent strategy — and keeps it working.
Whoever you are, your financial life is complex. The advice should match that complexity.
You've built something substantial. Your finances span business structures, personal investments, super, and tax — and they all interact. You need an adviser who understands the full picture, not someone who handles one piece at a time.
You're thinking beyond the next financial year — about legacy, protection, and what your wealth means for the people who come after you. SMSF strategy, estate planning, and intergenerational structures are central to what we do.
You've outgrown retail super and generic advice. You want investment-grade rigour, disciplined portfolio construction, and an adviser who approaches your capital the way a CIO would — without the institutional conflicts.
If you want a one-off product recommendation, we are not the right fit. If you want an ongoing relationship with a firm that understands every part of your financial life — reach out.
A disciplined investment strategy that spans asset allocation, tax efficiency, and long-term performance — built around your goals, not a model portfolio.
The right insurance, structures, and estate arrangements to protect your income, your assets, and the people who depend on them — reviewed against your real situation.
Super strategy, SMSF advice, and retirement income modelling — so you have a clear number, a clear timeline, and confidence that your money will last.
Simple, structured, and built entirely around your situation.
We learn about you — your income, assets, obligations, and what you're working toward. Everything is confidential. Nothing is pushed.
We analyse your complete picture and prepare recommendations that connect across super, tax, investment, protection, and estate planning — as one.
We implement your strategy and review it as your life changes. When circumstances shift, the plan shifts. That's the entire point.
There is no layer between you and your financial plan. Han Spendlove works directly with every Mandalay client — building your strategy personally and staying involved across every review and decision.
Behind Han is a team of specialists in SMSF, investment research, tax strategy, and client services. You get the relationship with Han — and the capability of the whole firm.
Meet the TeamWe'd had financial advisers before, but nothing connected. Han sat with us for two hours on the first meeting — just asking questions. By the end, we had a picture of our entire financial life that we'd never seen before. The strategy followed from that.
I came to Han specifically about our SMSF — I wasn't sure we were running it properly. He walked through everything: the structure, the investments, the contribution strategy. It turned into a complete review of our whole financial position. Three months later we were in a completely different place.
I wanted rigorous, honest advice — not a sales call. Han was exactly that. He told me where my portfolio was working, where it wasn't, and what I needed to change. Two years later, I wouldn't go anywhere else.
Before engaging our services, we encourage you to read our Financial Services Guide (FSG). It explains who we are, the services we provide, how we charge for advice, and how we handle any complaints.
As a holder of Australian Financial Services Licence No. 331535, we are required to provide this document to all prospective clients. This FSG is published as Website Disclosure Information under the Treasury Laws Amendment (DBFO) Act 2024.
Version 2.0 · 9 April 2026 · A printed copy is available on request at no charge.
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Version 1.0 · 9 April 2026
Our Privacy Policy explains how we collect, use, store and disclose your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
Download Privacy Policy (PDF)Complies with the Privacy Act 1988 (Cth) · Privacy and Other Legislation Amendment Act 2024 (Cth) · Notifiable Data Breaches scheme
Book an initial consultation with our team. No obligation — just an honest conversation about your situation and what's possible.
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