Financial Planning

Most Australians say they manage debt wisely. However, some say they make only minimum repayments and others say they get into debt by buying things they can’t afford!

Superannuation Planning

Superannuation is a means of setting aside funds during your working life for use as retirement income. This occurs under a government regulatory system which provides certain taxation incentives and well advised controls for the benefit of contributors.

Investment & Wealth

Investment Planning is the process of identifying and implementing effective investment strategies to create and accumulate the financial resources in order to achieve your financial goals.

Tax Advice

There are two inevitable things in life – death and taxes. We can’t really help you with death, but taxes needn’t be quite so daunting. You do have to pay tax, but there are ways to minimise your liability.


Imagine for a moment your life plans were suddenly interrupted by a serious illness, a disability, hospitalisation or even death. Have you got all of these risks covered?

Estate Planning

Estate planning is the process of planning how to preserve your assets for your successor. Everyone should engage in some form of estate planning.
Michelle Millsom

We all plan events such as holidays, weekends, and get-togethers with family and friends. We maintain our health by visiting our doctor and dentist. Yet how much progressive planning do we provide for our savings? We work hard for our money and we should make sure that it works just as hard for us.

Watermark Financial Services Pty Ltd, Michelle Millsom is an Authorised Representative of Millennium3 Financial Services Pty Ltd AFSL No 244252.

Millennium3 Financial Services Pty Ltd ABN 61 094 529 987
Australian Financial Services Licensee
Unit 7 / 50 Borthwick Ave


Information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement. Watermark Financial Services will endeavor to update the website as needed. However, information can change without notice and Watermark Financial Services does not guarantee the accuracy of information on the website, including information provided by third parties, at any particular time. This website holds information for Australian Residents only.

Every effort has been made to ensure that the information provided is accurate. Individuals must not rely on this information to make a financial or investment decision. Before making any decision, we recommend you consult a financial adviser to take into account your particular investment objectives, financial situation and individual needs.

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