Guiding Your Wealth with Clarity & Confidence
Comprehensive investment strategies tailored for your life goals.
A Trusted Partner in Australian Finance
Founded in the heart of Melbourne, Southern Cross Financial Group has spent more than a quarter of a century steering clients through evolving markets and legislative landscapes. Our solutions span generations, helping young professionals accumulate capital, guiding families as they diversify, and securing dignified retirements for seasoned Australians.
Our fiduciary approach places your interests above all else. Every recommendation is backed by rigorous research, peer-reviewed methodology, and transparent communication. We believe that when knowledge is shared openly, confidence follows naturally.
25+
Years in Operation
$1.2B
Assets Managed
98%
Client Retention
Our Services
Holistic expertise delivered through individually tailored engagements.
Wealth Management
Personalised portfolios aligned with your risk tolerance and life milestones.
Investment Advisory
Evidence-based guidance across equities, fixed income, and alternative assets.
Superannuation Consulting
Maximise your super contributions while structuring for tax efficiency.
Retirement Planning
Strategic income planning, longevity risk mitigation, and estate considerations.
Tax Advisory
Integrated tax strategies to preserve and transition wealth across generations.
Our Process
Discovery Meeting
Understand your goals, values and current position.
Strategic Blueprint
Draft a customised investment and tax roadmap.
Implementation
Execute asset allocation with institutional-grade platforms.
Monitoring
Quarterly performance reviews and transparent fees.
Optimisation
Adjust strategies as markets and life events evolve.
Research & Technology
Quantitative Screening Engine
Our in-house algorithms analyse more than 15,000 global securities every day, identifying value and growth anomalies that traditional research often overlooks.
Real-Time Risk Dashboard
Stress-test portfolios against more than 200 macro scenarios using Monte Carlo simulations, giving you clarity on downside risk before it materialises.
Secure Client Portal
Track performance, download tax documents and message your adviser 24/7 via our encrypted portal—built to meet stringent Australian data-sovereignty standards.
Responsible Investing
Long-term returns stem from sustainable practices. Our ESG framework screens every holding against strict environmental, social and governance criteria.
Carbon Intensity Reduction
Board Gender Diversity
UN SDG Alignment
Market Insights
2024 Mid-Year Market Outlook
Key themes driving Australian equities and fixed income performance this year.
Jun 2024
Navigating Super Reforms
What the latest legislative changes mean for your retirement savings.
May 2024
Green Bonds: Beyond the Hype
Assessing the real impact and return profile of sustainable debt instruments.
Apr 2024Meet the Team
David Miller CFP®
Chief Executive Officer
30+ years in wealth management, former head of investment strategy at a Big-4 bank.
Sarah Nguyen CFA
Head of Research
Leads quantitative modelling and ESG integration with a PhD in Finance.
James O'Connor CA
Director, Tax Advisory
Chartered Accountant specialising in cross-border tax structuring.
Emily Chen AFA
Senior Adviser
Focuses on intergenerational wealth transfer and philanthropy planning.
Client Stories
Southern Cross transformed our retirement outlook, increasing projected income by 18% while reducing tax liability.
Michael & Karen T.
The team’s ESG insights aligned perfectly with our family values without sacrificing performance.
Aisha R.
Their proactive communication during market volatility kept us calm and informed.
Lachlan D.
Our SMSF audit highlighted gaps that Southern Cross closed within weeks, saving us thousands in compliance costs.
Rohan & Priya S.
As a first-time investor, I appreciated how clearly they explained every recommendation. I felt empowered rather than overwhelmed.
Chloe Nguyen
Get in Touch
Melbourne Office
Address: Level 5, 78 King Street, Melbourne VIC 3000, Australia
Phone: +61 3 9654 3210
Email: info@
Hours: Mon–Fri 8:30 am – 5:30 pm AEST