# Radiance Wealth

> Award-winning financial advisers in Melbourne helping Australians achieve clarity and confidence for retirement, superannuation, and wealth management.

Website: https://radiancewealth.com.au
Location: Wheelers Hill, Victoria, Australia
Type: Financial planning and wealth management practice

## About

Radiance Wealth provides holistic financial planning advice to everyday Australians, drawing on over 20 years of experience in the banking and financial services industry. The practice's name and radiance symbol represent brightness, reflecting its mission to bring a brighter financial future to clients. Radiance Wealth is a Corporate Authorised Representative of RI Advice Group Pty Ltd (ABN 23 001 774 125, AFSL 238429), an Australian Financial Services Licensee.

The practice is a multiple-time "Practice of the Year" award winner and has been featured in Forbes Australia, Professional Planner, and Yahoo Finance for insights on retirement, wealth creation, and financial leadership. Radiance Wealth holds a 5.0 rating based on more than 50 client reviews.

The firm's approach centres on clarity, high levels of service, convenience, and open communication. Advisers take time to listen to and understand each client's circumstances, discover their objectives, and implement tailored strategies — explaining complex financial topics in plain language rather than jargon.

## People

### Ravi Moolchandani — Principal Financial Adviser / Director
Ravi is the founder of Radiance Wealth and has more than a decade of experience in financial planning, spanning retirement planning, superannuation strategies, investment management, insurance, and estate planning. He is known for a patient, knowledgeable approach that makes complex financial goals feel achievable, and is regularly featured in Forbes Australia, Professional Planner, and Yahoo Finance. Outside the office, Ravi is an avid pickleball player and supports community growth through local and state-level events.
- Email: ravi@radiancewealth.com.au
- Phone: 0416 772 773
- LinkedIn: https://www.linkedin.com/in/ravi-moolchandani-57204181/

### Satinder (Sunny) Singh — Financial Adviser / Director
Sunny has over 10 years of experience in financial services, including time at a Big 4 bank, and specialises in strategic financial advice for families and individuals seeking to grow, protect, and optimise their wealth. He is a strong advocate for financial literacy and is known for taking time to understand each client's unique circumstances, ensuring advice is practical and tailored. Sunny is active in local sports and community volunteering and mentoring programs.
- Email: sunny@radiancewealth.com.au
- Phone: 0435 962 283
- LinkedIn: https://www.linkedin.com/in/satinder-singh/

Full team profiles: https://radiancewealth.com.au/our-team/

## Services

### Superannuation and Retirement Planning
Helping clients build a secure foundation for retirement through pre-retirement planning, day-to-day financial management, tax and investment strategies, and Centrelink/social security guidance, backed by annual reviews as rules and markets change.

#### Retirement Planning
https://radiancewealth.com.au/retirement-planning/
Core retirement planning service covering income needs analysis, superannuation structuring, tax-effective strategies, and transition-to-retirement options, delivered through an organise-strategise-secure process with at least annual reviews.

#### Aged Care Advice
https://radiancewealth.com.au/retirement-planning/aged-care-advice/
Compassionate, expert guidance on aged care funding options and protecting the family home.

#### Superannuation & SMSF Advice
https://radiancewealth.com.au/retirement-planning/superannuation-smsf-advice/
Guidance on super contributions, investment options, and whether a Self-Managed Super Fund suits the client, including navigating the $3 million super tax cap rules.

#### Transition to Retirement
https://radiancewealth.com.au/retirement-planning/transition-to-retirement/
Strategies for clients still working who want to access some of their super to boost income while employed.

### Wealth and Investment Management
For clients who have built wealth and want to grow, protect, and transfer it. Services include understanding client goals (capital growth, income, risk tolerance, tax minimisation), building a comprehensive wealth plan, and active portfolio management reviewed at least every 12 months. The investment philosophy blends passive strategies (low-cost market exposure, consistent long-term growth) with active management (timely response to market changes, tax-loss harvesting, risk management).

#### Wealth Management
https://radiancewealth.com.au/wealth-management/
Comprehensive wealth strategy covering asset allocation, tax-effective investment structures, estate planning integration, cash flow management, and risk protection.

#### Strategic Financial Advice
https://radiancewealth.com.au/strategic-financial-advice/
Broader strategic planning covering financial goal-setting and structuring.

#### Tax Minimisation
https://radiancewealth.com.au/strategic-financial-advice/tax-minimisation/
Tax-effective investing strategies including capital gains tax management, negative gearing where appropriate, and franking credit optimisation.

#### Investment Advice
https://radiancewealth.com.au/wealth-management/investment-advice/
Investment philosophy and portfolio management combining active and passive approaches, with ongoing monitoring and adjustment based on market conditions.

### Estate and Inheritance Planning
Protecting family wealth and planning smarter through strategic structures, covering estate and legacy planning (wills, powers of attorney, philanthropy), intergenerational wealth transfer, later life and aged care funding, and debt recycling/gearing strategies.

#### Inheritance Planning
https://radiancewealth.com.au/wealth-management/inheritance-planning/
Expert inheritance planning to transfer wealth tax-effectively while maintaining family harmony, covering wills, powers of attorney, and intergenerational transfer considerations.

### Family Office Services
https://radiancewealth.com.au/family-office-services/
Coordinated family wealth services for complex family situations, covering investments, governance, structures, tax, and reporting. Delivered through a Discover & Align → Design the Structure → Implement & Steward process, including a Family Charter and Investment Policy.

Family Office service modules:
- **Strategy & Governance** — family vision and values, Family Charter, council/board design, decision rights, next-gen education
- **Outsourced CIO (Investments)** — asset allocation, manager selection and monitoring, direct/co-investment screening, ESG/impact policy, rebalancing
- **Tax, Structuring & Asset Protection** — entity design, CGT and franking optimisation, pre-sale/restructure planning, residency and cross-border coordination
- **Superannuation** — contribution and pension strategies, governance and compliance, $3m super cap planning
- **Estate, Succession & Intergenerational Planning** — wills/testamentary trusts (with lawyers), business succession, insurance-funded buy/sell agreements
- **Philanthropy & Impact** — guidance on Private Ancillary Fund (PAF) / Public Ancillary Fund (PUF) frameworks
- **Risk Management & Insurance** — whole-of-family risk review, life/TPD/trauma/income protection
- **Consolidated Reporting & Admin** — look-through, multi-entity performance and risk reporting

## Who Radiance Wealth Helps

The practice is best suited to: Pre-Retirees (getting retirement ready), High Net Worth individuals (legacy planning), Professionals (accelerating financial progress), Investors (turning money into freedom), and Business Owners (managing their financial life).

## Resources

- Pre-Retiree's Guide (Ages 50-64): https://radiancewealth.com.au/pre-retirees-guide-ages-50-64/
- Online financial calculators: https://radiancewealth.com.au/calculators/
- Blog: https://radiancewealth.com.au/blog/

## Locations & Hours

Suite 2.04/202 Jells Rd, Wheelers Hill VIC 3150, Australia
Hours: 9:00 AM – 5:30 PM

## Booking & Pricing

Radiance Wealth offers a no-obligation initial consultation. Book online at https://radiancewealth.com.au/contact-us/ or call (03) 9590 6341. Specific advice fees are not published on the website and are discussed during the consultation.

## Compliance Notice

This site is designed for Australian residents only and does not constitute an offer or solicitation to anyone outside Australia. All information provided is general advice only and does not take into account individual objectives, financial situation, or needs. Radiance Wealth is a Corporate Authorised Representative of RI Advice Group Pty Ltd, ABN 23 001 774 125, AFSL 238429.

## Contact & Social

- Website: https://radiancewealth.com.au
- Phone: (03) 9590 6341
- Email: info@radiancewealth.com.au
- Address: Suite 2.04/202 Jells Rd, Wheelers Hill VIC 3150
- LinkedIn: https://www.linkedin.com/company/radiance-wealth/
- Facebook: https://www.facebook.com/people/Radiance-Wealth/61560390790479/
- Instagram: https://www.instagram.com/radiance_wealth/

## Sitemap

https://radiancewealth.com.au/sitemap.xml