Two Melbourne financial advisers, working Australia-wide.
We keep the firm small on purpose. Balki Balakrishnan has more than twelve years across financial planning, lending and property; Kruti Balakrishnan is a Chartered Accountant who knows investments and how to structure wealth properly. The office is in Melbourne, the clients are all over the country, and between the two of them your plan, your loan and your property stay one conversation instead of three.
Balki Balakrishnan.
Balki came to financial advice after a long career in IT, on a simple idea: strong families make strong communities, and families do better when the money side is sorted. More than twelve years on, he's advised people aged anywhere from 21 to 86.
He holds both the advice licence and the credit licence, which is unusual. It means the plan gets written and the loan gets arranged in the same place, instead of one being handed off to a stranger. In practice, the loan gets set up with the twenty-year plan in mind rather than on its own.
Most of his work has been in lending inside super funds — more than 30 of those loans written — and with doctors and specialists on income protection, super and property. There's a longer story about why he became an adviser.
Kruti Balakrishnan.
Kruti is a Chartered Accountant who has spent her career around investments, building wealth and long-range planning. She came up through KPMG, Deloitte and Goldman Sachs, and brings that technical depth to a practice where most of the questions turn out to be practical ones.
She works with individuals and families on building wealth and hanging on to it — where to invest, retirement, protecting what's there, paying less tax, and passing things on to the next generation, which most families leave far too late.
Her view is that good advice starts with understanding what actually matters to this particular family, and then building around that. Having worked both in finance and for herself, she treats every situation as its own problem rather than something to run through a template.
Licences and memberships.
Two regulators, two industry bodies, and twelve years of doing the work.
- Experience
- 12+ years in Australian finance
- Member of
- FAAA · FBAA
- Advice licence
- AR 409415 of La Verne Capital Pty Ltd
- Credit licence
- CR 45250 of Outsource Financial Pty Ltd
- Where we specialise
- Doctors and specialists. Lending inside super funds.
- Usual size of job
- Loans $500K to $800K. Property purchases $800K to $2M.
The licences above are held by Balki Balakrishnan, Principal Adviser. You can check them yourself on ASIC Connect and with the industry bodies — it takes about a minute, and you should do it with any adviser.
Where we've done the most work.
Three areas where the track record is real rather than aspirational.
More than 30 of these loans written. The advice and the loan come from one person, which a broker on their own simply isn't licensed to do. SMSF lending.
A lot of work with doctors and specialists on income protection, super and buying property.
Loans mostly between $500K and $800K. Properties we buy for people, $800K to $2M.
How working with us runs.
Always free. What you're after, where you're up to, and whether we can help.
Only what you need. Take the planning on its own, the loan on its own, or all three together — nothing is bundled to make a number up.
We're about Mon–Fri, 8am – 7pm AEST. Come into the Docklands office, or do the lot over video from anywhere in Australia.
What clients have said.
Printed exactly as they sent them, with their permission.
What truly sets Balki apart is his foresight and steady hand during turbulent times. When COVID upended the financial landscape across Australia and interest rates climbed dramatically, Balki guided me through every twist with clarity and confidence.
He had helped me right from the beginning in setting up my personal risk insurance, which I thought was incredibly difficult as I had to obtain my health record details from NHS.
Fifteen minutes is usually enough to tell.
No sales sequence afterwards, no chasing. If we're not the right fit, we'll tell you on the call.