Build Financial Independence
On Your Terms

BUILDING ENDURING WEALTH

Ever Wealth Co works with families, professionals and business owners across the Mornington Peninsula to grow lasting wealth through honest guidance, practical strategies and genuine relationships.

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Matt Tarrant, Financial Adviser

Who We Are

Ever Wealth Co is a values-based financial advisory practice built on a straightforward belief: quality advice should be where your wealth journey starts.

Founded by Matt Tarrant, a financial adviser who lives and works on the Mornington Peninsula, Ever Wealth Co was built for the people in this community. We work with people building toward something meaningful. Young families creating the life they want. Professionals with ambition and a clear sense of direction. Business owners growing personal wealth alongside their business. And those moving into retirement, ready to enjoy what they’ve spent years working toward.

At Ever Wealth Co, financial advice starts with understanding your life first. Your values, your goals, your family and what matters most to you. From there, we build a strategy that fits. You'll be involved every step of the way, with clear advice and open conversations. As life changes, your strategy can too. We're here to grow alongside you and be a genuine long-term partner.

Our Core Values

Integrity

We act in your interest. Full stop.

Honesty

Straight talk, no jargon, ever.

Transparency

No hidden fees. No surprises.

Empathy

We listen before we advise.

Partnership

With you for the long run.

Excellence

Highest standards, always.

You're in the Right Place If…

We built Ever Wealth Co for people like you.

Person planning for financial independence

Your Path to Financial Independence

You want a clear strategy to get there faster, with someone who keeps you accountable and on track. We'll map out exactly where you are, where you want to be, and the clearest path to get there.

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What Makes Us Different

Three things that set us apart.

01

We Start With Your Life

Your values, your goals, your family. We shape the financial strategy around what matters most to you — not around products or portfolios. Every recommendation starts with understanding who you are.

02

Clear Communication, Always

We keep things simple, clear and easy to understand. You'll always know where things stand, what your options are, and why decisions are being made.

03

A Genuine Long-Term Partner

Life changes, priorities shift, and new opportunities come along. We'll be alongside you with advice, support and a strategy that evolves with you.

Three Ways to Work Together

BUILDING ENDURING WEALTH

We believe in meeting you where you are. Each service level is designed for a specific stage of the journey — with a clear path to grow as your life and wealth evolve.

Spark
First-time advice seekers getting started
Your adviser in your corner — Quality advice, accessible from day one

You want to know your money is working for you — without having to figure it all out yourself. Spark gives you a clear financial plan, a trusted adviser you can call anytime, and the confidence that someone is in your corner keeping things on track.

  • A clear plan built around your goals
  • Someone to call when life throws a curveball
  • Your investments set up and working for you
  • An annual check-in to make sure you’re on track
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Elevate
Families growing wealth & planning ahead
Your trusted strategic partner — Proactive guidance for growing complexity

Your life is getting more complex — property, family, career moves, growing wealth. You want someone proactively thinking about your finances, not just reacting. Elevate gives you a strategic partner who stays ahead of the curve with you.

  • Proactive strategy that evolves as your life does
  • Regular check-ins so nothing falls through the cracks
  • Tax planning that works across your whole picture
  • A partner who’s thinking about your next move before you are
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Ascend
Retirement strategies & SMSF structures
Your dedicated retirement partner — Multiple strategies, working together

Whether you’re winding down a business or transitioning out of the workforce, the years approaching retirement are when the right strategy matters most. Property, super contributions, SMSF, succession — Ascend brings every piece together so you retire on your terms, with confidence.

  • Retirement transition strategies tailored to your timeline
  • Super contribution strategies — including catch-up and downsizer contributions
  • Business exit planning and property sale coordination
  • SMSF optimisation strategies leading into retirement
  • A dedicated partnership — not just an adviser, a strategic ally
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How We Work Together

A clear, collaborative process from the very first conversation.

1

Discovery

We get to know your life, your values, your goals, and what matters most to your family.

2

Strategy

We create a clear, personalised financial strategy around your life — not around products. You review and approve every step.

3

Implementation

We put your plan into action — accounts, investments, tax strategies — with everything explained clearly along the way.

4

Ongoing Support

Regular reviews, anytime access, and a genuine partnership that adapts as your life evolves.

What Our Clients Say

Trusted by families and professionals across the Mornington Peninsula.

★★★★★

"Matt has been our financial advisor for 8 years now and we couldn't be happier. Matt is very knowledgeable with financial markets and our portfolio has grown significantly over this time which proves Matt's capabilities. He is easy to understand and very friendly."

Ian
65+ years, Red Hill South, VIC
View on Adviser Ratings →

A Note From Matt

Matt Tarrant

“I started Ever Wealth Co with a clear vision: to bring the kind of financial partnership that creates real change in people’s lives to the families and professionals in this community.

I’m a Mornington Peninsula local. I’m a parent. I understand what it feels like to have a hundred competing priorities and want to make the right calls for your family. That understanding shapes everything about how I work.

My approach is holistic — I look at your whole life, not just your super balance. I’m forward-thinking and genuinely open to new ideas. I’m deeply connected to the community here, and I care deeply about the people I work with and the outcomes we achieve together.

If you’re looking for an adviser who is as invested in your future as you are, I’d love to have a conversation.”

— Matt Tarrant, Principal & Financial Adviser

Frequently Asked Questions

Honest answers to the questions our clients ask most.

When is the right time to see a financial adviser?

There's no single 'right time' — but there is a cost to waiting. Whether you're just starting out, going through a major life change (new job, growing family, property purchase), or approaching retirement, the earlier a solid strategy is in place, the more time it has to work for you. A discovery call with Ever Wealth Co is complimentary, with no obligation.

How much superannuation do I need to retire comfortably?

ASFA estimates a comfortable retirement requires approximately $690,000 for a couple and $595,000 for a single (2025 figures), assuming partial Age Pension support. But 'enough' is deeply personal — it depends on your lifestyle, health, whether you own your home, and what you want retirement to look like. We build a personalised retirement number for every client and map out a strategy to reach it.

Should I pay off my mortgage or invest instead?

This is one of our most common questions — and honestly, the answer is different for everyone. Your interest rate, marginal tax rate, investment risk tolerance, and time horizon all play a role. In many cases, a blended approach works best: reducing debt while simultaneously building investments. We model the numbers for each client's specific situation so you can make the call with confidence.

How can I legally reduce the amount of tax I pay?

There are numerous tax-effective strategies available — including salary sacrifice, concessional super contributions, spousal contribution splitting, transition-to-retirement strategies, and appropriate investment structures for business owners. Tax planning is a core part of every client relationship we form.

Is a self-managed super fund (SMSF) right for me?

An SMSF offers greater investment flexibility and control, but also comes with significant compliance obligations, trustee responsibilities, and running costs. It's generally considered viable from around $250,000–$350,000 in super, though this depends on your investment strategy and complexity. As an SMSF Specialist Adviser, Matt can help you weigh the benefits against the cost and effort for your specific situation.

How does the Age Pension work, and will I qualify?

The Age Pension is available from age 67 (for those born after 1 January 1957) and is means-tested against both your income and assets. Many clients with significant super balances still qualify for a partial Age Pension, which can meaningfully supplement retirement income. We model Age Pension eligibility into every retirement plan we build.

What happens to my finances if I can't work?

Income protection insurance is one of the most important — and most overlooked — parts of a sound financial plan. If illness or injury prevents you from earning, the right cover can replace up to 70% of your income. We review your insurance position holistically as part of your financial plan, ensuring your family and your wealth are protected against the unexpected. Most people are significantly under-insured through their super fund alone.

How much does financial advice cost?

Advice fees vary depending on your needs and the complexity of your situation. At Ever Wealth Co, our service levels are designed to be transparent and fair — there are no hidden fees and no surprises. We cover all costs clearly before any engagement begins. Your first discovery conversation is completely free. Book a call and we'll give you a clear picture of what's involved for your situation.

BUILDING ENDURING WEALTH

Ready to Start Something Real?

The relationships at Ever Wealth Co are made to last. If you're looking for an adviser who invests in you as much as you invest in your future, we'd love to talk.

Book Your Discovery Call