About

Snowgum Financial Services provides wealth management, private banking and life insurance services to professionals, business owners, senior executives and their families.

Founded in 2015, we remain independently owned, allowing us to be true fiduciaries. Financial advice is strategy led, prior to tactical considerations of asset selection, financing solution or insurance product advice.

Wealth management services leverage smart technology and a diverse range of investment opportunity sets, including alternative asset classes unavailable to retail investors.

We employ a robust risk management framework, employing tactical asset allocation tilts when expressing a view on market risk. We deliver attractive returns, whilst moderating volatility, through the business cycle.

Our expression of market risk underpinning tactical asset allocation tilts is transparently outlined in our ‘Snowgum Quarterly’.

Snowgum quarterly

Matt Vickers is principal adviser at Snowgum Financial Services. Matt has more than 15 years’ experience facilitating the wealth management, private banking and life insurance needs of professionals, business owners, senior executives and their families.

“Partnering with clients through a successful private equity exit or insurance claim benefit payment, reflect the highs and lows of a uniquely rewarding profession” - Matt Vickers

Matt volunteers with his local sporting club and enjoys bushwalking, running, kayaking and skiing with his young family.

Qualifications & experience 

Prior to founding Snowgum Financial Services in 2015, Matt worked at a leading wealth management practice. Snowgum Financial Services manages excess of $70million in assets and considerable insured premium.

Matt is a Certified Financial Planner®, Certified Investment Managment Analyst® and Tax (Financial) Adviser. Matt holds a Bachelor of Economics from the University of Sydney, a Master of Applied Finance & Diploma of Mortgage and Finance Broking Management.

He is a Member of the Financial Advice Association of Australia (FAAA) and Mortgage and Finance Association of Australia (MFAA).

We would like to see an improvement in financial literacy and policy outcomes for consumers accessing financial advice. With that goal in mind, we contribute to financial advice and tax policy discussions. Matt also provides financial literacy lectures several times a year to varying community and private sector groups.

Tax Reform - 10 November 2022

The Hon Stephen Jones MP was emailed the attached tax reform ideas.

In particular, consideration is being given to minimising misuse of superannuation tax concessions.

The main catalyst for sending tax reform information is the poorly designed superannuation surcharge tax on member balances above $3,000,000. There is no precedent for taxing unrealised wealth gains, and some inefficiency in seeking to do so.

Quality of Advice Review - 8 September 2022

Snowgum Financial Service provided a submission in response to Michelle Levy’s broad request for industry feedback on her interim report.

‘legal enshrinement’ on the term’s financial planner/adviser were raised.

We support continued efforts to increase professionalism and education of financial advice providers, but also make the delivery of advice more accessible to more consumers.

Amplification of Transmission - 28 August 2020

Monetary policy is poorly adapted to stabilising economic conditions as interest rates approach their lower bound.

The financialisation of investment markets accross all asset classes, funded by an accumulation of debt, in part because interest rates have being so low, increases the risk of monetary policy misstep.

We outline our thoughts for tweaks in approaches to the use of monetary policy. Some ideas were adopted (through pure coincidence) shortly after writing.