Empowering your future.

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

Advice Team




Teven Nickelson Headshot



Tom Rowson Headshot



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 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 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.


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.


Kind words from our clients

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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.



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 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.

Know where you stand – Wealth Report is a one-stop shop for understanding your financial situation

Project your future – Use Wealth Report’s industry-leading modelling to project your future.

Immediate response – Wealth Report delivers your personal report immediately.

Assess you goals – Explore multiple ‘What if’ scenarios for the years ahead.

Let us do the maths. With Wealth Report’s integrated approach, fill out your information once and we will apply all appropriate calculators to fit your life

Secure and private. We are unable to view your personal information unless you select the option to allow a qualified financial adviser from our team to view your data and contact you.

Jane Brown

Head Accountant

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