About Opes Financial Solutions: a small firm, three full disciplines.

Opes Financial Solutions is a Melbourne advisory firm built on a deliberately narrow structure: two advisers, three licensed disciplines, no committees, no handoffs.

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Interior of a Melbourne advisory office with a wide oak desk and tall window.

What Opes Financial Solutions does.

The name comes from the Latin opes, meaning wealth. The firm exists to plan it, borrow against it, and acquire the assets that grow it. Three pillars, one engagement, one set of records.

Pillar 01

Financial planning

Provided as an Authorised Representative (AR 409415) of La Verne Capital Pty Ltd. Comprehensive Statement of Advice work covering retirement, superannuation, insurance, debt management, tax-effective investing, aged care, and Centrelink optimisation.

Pillar 02

Finance broking

Provided as an Authorised Credit Representative (CR 45250) of Outsource Financial Pty Ltd, with access to a panel of 50+ lenders including ANZ, NAB, ME Bank, Bendigo Bank, Mortgage Ezy, and La Trobe.

Pillar 03

Buyer's agent

Delivered in collaboration with a licensed third-party buyer's agent who holds the licence for all Australian states. Opes is upfront about this model: the relationship is yours with Opes, the buyer's agent licence sits with the partner firm. See the fee structure and the property investment hub for how the three pillars run together on a typical file.

Memberships and licensing

The paperwork behind the advice.

Legal entity: Opes Financial Solutions Pty Ltd
ACN: 618 122 795
ABN: 55 618 122 795
FAAA: Member, Financial Advice Association of Australia
FBAA: Member, Finance Brokers Association of Australasia
AFSL Authorisation: AR 409415 of La Verne Capital Pty Ltd
ACL Authorisation: CR 45250 of Outsource Financial Pty Ltd

Who runs it

Balki Balakrishnan leads the firm with more than twelve years in Australian finance, alongside Kruti Balakrishnan, a Chartered Accountant whose career spans KPMG, Deloitte and Goldman Sachs. Opes stays deliberately small on purpose: clients deal with the person making the decisions, not a team allocated to their file.

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Why people choose Opes

The planning, the lending, and the property strategy stay coherent because the same person is holding the file end to end. One engagement, one set of advice notes, one fee conversation.

What makes Opes different

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The first conversation is on the house. If it is not a fit, Balki will say so.

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Meet the team