Embrace Wealth
03 9654 0555
contactus@embracewealth.com.au
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Your Wealth Portal

Empowering your future.

Financial Advice to help you make well-informed decisions, so you can enjoy life without the burden of financial worry.
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Advice Team

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LEE NICKELSON

SENIOR FINANCIAL ADVISER

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Teven Nickelson Headshot

STEVEN NICKELSON

MANAGING DIRECTOR/SENIOR FINANCIAL ADVISER

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Tom Rowson Headshot

TOM ROWSON

FINANCIAL ADVISER

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How can we help?

Get started & set up your family

You want to buy your dream home, expand your family and grow your wealth.

What we do

We develop tailored step-by-step financial strategies and help you make informed decisions about your money.

Superannuation

Superannuation is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement.

Insurance

Insurance is the foundation of all financial plans. We can help you evaluate the risks and come up with the right insurance solution for you and your family.

Debt Management

Effective debt management is not just about the interest you pay, but also the type of assets you’re investing in and prioritising your debts.

Retirement Planning​

Retirement may seem like a long way off but putting money into super now is still a tax effective way to invest your money. You also can benefit from compounding returns.

Estate Planning

We’d all like to leave a legacy and provide for those closest and dearest to us once we’re gone. Estate Planning ensures your assets are distributed to the right people at the right time.

Investing

If you’d like your money to start working for you, it’s time to learn about investing. Everyone has different needs and circumstances but here are some basics to consider.

Passion, experience, support

The team at Embrace Wealth are passionate about educating you to make well-informed decisions, so you can enjoy life without the burden of financial worry. They listen and help you to develop and articulate your goals whilst learning about what’s important to you and your family.

With extensive knowledge including self-managed super funds, investments to generate passive income, superannuation, insurance and sensible debt planning, they really do have all bases covered. Embrace Wealth partners with accountants, lawyers and debt specialists to ensure you have a trusted personal advisory board who understand your goals and work collaboratively towards helping you achieve them.

We support the Go Girls Foundation – an organisation that strives for every woman to have a plan. We sponsor Go Girls events throughout the year and run educational sessions, as part of the organisation’s Step Up and Go Program.

Prepare for tomorrow, make the most of today.

Insights

Market movements and review video – November 2024

Market movements and review video – November 2024

Stay up to date with what’s happened in the Australian economy and markets over the past month. Welcome news on…
Harnessing the double edge sword of tech

Harnessing the double edge sword of tech

In our fast-paced digital world, technology often feels like a double-edged sword. On one hand, it offers incredible opportunities for…
Unlocking success: lessons from the world’s best investors

Unlocking success: lessons from the world’s best investors

While effective investing is crucial for wealth creation, there is a lot to know and many pitfalls to avoid, as…
The Age Pension and your retirement plans

The Age Pension and your retirement plans

Most people intend to retire between ages 65 and 66, according to the latest data and, surprisingly, despite growing superannuation…
Estate planning gives you a final say

Estate planning gives you a final say

Planning for what happens when you pass away or become incapacitated is an important way of protecting those you care…
Insuring against loss of income

Insuring against loss of income

Protecting income from unexpected illness and injury is particularly important to anyone with a mortgage to service, small business owners…
Read more

Kind words from our clients

"Lee is very good at communicating with us and goes above and beyond to answer any questions we may have big or small. I feel completely confident with her advice and would highly recommend her services to anyone. She’s extremely trustworthy, which is obviously very important when you are dealing with your money. "
– Jess 30
"Lee has been able to give me the appropriate advice to set my self up financially, to better manage my superannuation, debt and plan for the future which includes retirement. I have found Lee's knowledge and understanding of financial management, has been of great benefit to me and my family, it has helped me have a better plan for an earlier retirement. I feel extremely confident in Lee's experience to manage my financial status, and have the utmost trust and faith in Lee's ability."
– Alan 55
"Lee has provided sound and timely advice and strategies to manage my investment portfolio. This takes into account not just investment advice, but also tax and cash strategies. I am very comfortable I’m being well looked after even in the current environment. "
– Moira 59
"Steven listens well, informs on various approaches, can go deep on the detail and rationale as required, is well-researched and informed, flexible to alternative directions but confident enough to raise concerns, and generally provides a very calm and reassuring presence. "
– Mark 56
"Steven has given us advise in many areas as we get ready to start our retirement in a few weeks. He has alway explained things in a clear fashion and we are very confident that the advice he has given us meets our needs as we progress into retirement. Steven always answers our questions and gives us his undivided attention whenever we need it."
– Tim & Jeanette 65 & 66
"Steven has been looking after my self managed pension fund since I retired some 7 years ago. He has my respect for his expert advice and his prompt reply when I need to discuss my investments, I always walk away from our six monthly catch ups feeling positive that I have understood his explanation and that my finances are heading in the right direction."
– Alan 69

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Call 03 9654 0555
Our Location

134 Union Rd, Ascot Vale VIC 3032
Operating Hours

Mon - Fri: 9am - 5.30pm
Sat - Sun: Closed
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Embrace Wealth Pty Ltd ATF Embrace Wealth Unit Trust T/A Embrace Wealth, registered office 134 Union Road, Ascot Vale VIC 3032, is an Authorised Representatives of Consultum Financial Advisers Pty Ltd ABN 65 006 373 995, Australian Financial Services Licence Number 230323 (“Consultum”) of Suite 3, Level 8, 309 Kent St Sydney NSW 2000

General Advice Warning

Any advice on this site is general nature only and has not been tailored to your personal objectives, financial situation and needs. Please seek personal advice prior to acting on this information. Any advice on this website has been prepared without taking account of your objectives, financial situation or needs. Because of that, before acting on the advice, you should consider its appropriateness to you, having regard to your objectives, financial situation or needs.

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LEE NICKELSON

SENIOR FINANCIAL ADVISER

Lee is a Certified Financial Planner® with a Bachelor in Behavioural Science and over 20 years of experience in the Financial Planning industry.

Since 2017, Lee and Steve have held a vested interest in Embrace Wealth, culminating in complete ownership in 2021. Lee enjoys working with clients who value professional guidance, have busy lifestyles, and seek to grow and protect their wealth and income. Clients who often gain the most benefit from working with Lee may be time poor and have high net wealth and income.  Clients nearing retirement also find value in the advantages and peace of mind that advice offers, helping them navigate through this frequently intricate phase of life.

Underpinning this, is Lee’s profound desire to create a world where her two daughters, Scarlett and Willow, can grow up to receive every opportunity in life. This drives her passion for financial planning for women and has led to working with the Go Girls Foundation. Their purpose is for ‘every woman to have a plan,’ and Lee offers her time to assist women, some of whom find themselves in unique situations after relationship breakdowns and other unforeseen circumstances.

Lee’s clients appreciate her warm and empathetic approach, as well as her ability to motivate them to achieve their financial goals. Lee loves to travel and enjoys planning caravan holidays with friends and family. She is also a passionate member and supporter of the Bombers.

STEVEN NICKELSON

MANAGING DIRECTOR/SENIOR FINANCIAL ADVISER

Steve is a Senior Adviser and Managing Director at Embrace Wealth and advises a broad range of clients and businesses.  Steve is passionate about financial education and helping people make informed decisions with their money and specialises in working with High-Net-Worth clients, pre-and-post retirees.  With over 15 years’ experience as an Authorised Representative, he is a Certified Financial Planner®, has a Bachelor of Commerce (majoring in Financial Planning), as well as being a Graduate of the Australian Institute of Company Directors.

His clients commend him for his exceptional ability to explain complex information in simple terms and for being a human calculator with a personality. Driven by his passion to ‘work to live’ as opposed to ‘living to work’, he is well placed to help his clients prioritise what’s most important to them and create a plan to bring it to life.

Steve is married to Lee, with two daughters, Scarlett and Willow. He enjoys golf and exercise, and coaching his girls’ footy side, as well as being a long-suffering Carlton Football Club optimist.

TOM ROWSON

FINANCIAL ADVISER

Tom has recently made his return to the Embrace Wealth team. With a background spanning over six years, he has gained valuable experience, qualifications, and insights through experience in Associate and Paraplanner roles. His passion lies in the technical aspects of crafting financial advice for clients and seeing the financial strategies he develops come to life, aiding clients to achieve their financial objectives. 

Tom loves getting to know clients of all ages and seeing how smart financial planning can help them to fund their next holiday or home renovation. Clients commend Tom for his ability to explain the complexities of their financial situation to them and diving deep into his clients’ queries.

He is currently progressing through his Master of Financial Planning. Outside of his professional life, Tom spends his free time travelling, cycling, barracking for the Collingwood Magpies and walking his Jack Russel/Tenterfield Terrier, Jimmy.

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Jane Brown

Head Accountant

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