We don't just create retirement plans. We help above-average earners build real wealth.

Financial planning for high-income families in their 40s and 50s so you retire on your own terms, with a plan built to make your money last.

Book a phone call 5 Secrets Download

5.0

Chris P.

I'm now into my second year with Dave and the Elements team, and the advice has been well prepared with time taken to step me through everything. Most importantly the returns have far exceeded my expectations.

David P.

Dave and his team at Elements Financial have gotten me back on track with my super and financially. Feeling at ease now as Dave has created a path and goal. Thanks team!

Cathy S.

Dave has been amazing for our financial planning. We have had a growth of over 16% in super this year, I feel very safe and secure with him looking after our financial future. Highly recommend

We have been working with Elements Financial Planning for almost three years and it has been a very positive experience. From the initial discussions on our current position and goal setting through to strategy implementation and ongoing reviews, David and his team have been extremely professional and approachable at every stage and together we have achieved exceptional results and are well on track to achieving our financial goals. Highly recommend Elements Financial Planning for financial planning services.

Scott W.

I’ve been working with Dave for a few years now and he has delivered beyond expectations. He is extremely knowledgeable in his industry, he genuinely cares and is very reliable. I have recommended Dave to many of my friends.

Kellie L.

We have been using Elements Financial Planning for about 3 years now and have found them very professional, helpful and friendly. The guys are always willing to explain things to us to ensure we understand our investment strategy fully. We have complete faith in Dave and the team on getting us to our retirement goals. We highly recommend Elements to anyone looking for financial advise and planning.

Jason L.

David and his team have helped my wife and I to reach financial security, achieve goals , david mentoring has helped us in many facets of our lives in a positive way.

Andre D.

David Loughnan and his team have consistently provided financial planning support to my wife and I, keeping us focussed on achievable financial goals. We look back over the years and value the guidance, tools provided to support with cashflow management and our regular and ad hoc check in meetings where we all get on the same page. Nothing if ever too much effort and we feel comfort in safe pairs of hands keeping and eye on our various assets while we are busy with work and family. I would strongly recommend their services.

shane S.

I highly recommend Elements Financial Planning. Great communication, trustworthy and an expert in the field.

Eric C.

We started working with Dave about 6 years ago, he has been a tremendous help with our finances. With his help we have saved on our taxes and grown our super accounts to an all time high. We would highly recommend Dave at Elements Financial Planning. We are now on track to having a healthy retirement fund.

Daniel P.

David and the team at Elements have been absolutely phenomenal to work with, and their expertise and attention to detail has helped my family have great piece of mind and security.

Ben P.

Highly professional service and excellent advice. Cannot recommend Dave and the team highly enough.

Bruce M.

Hi Guys I have been working with Elements Financial Planning for many years now and I have been blown away by their personal and professional attitude towards our future I would totally recommend them for any plans for future financial investment opportunities. Bruce

Neil T.

David was extremely thorough understanding our circumstances, future goals and needs. I have no hesitation recommending David and his team.

Robert L.

David and his team at Elements Financial Planning got me back on path with not only my super, but by also considering my other commitments such as mortgage and everyday living. I now know that I’ll retire comfortably in a couple of years thanks to their help. His choices and guidance have consistently outperformed regular super funds and I would be very confident in recommending his services.

Annick Fook S.

Huge thank you to the Team for helping me setting up my personal Insurances. Every interaction I had with the Team and David has been very smooth, and there is no need to follow up as they are so proactive. High recommend Elements Financial Planning to anyone that needs financial advice.

Richard H.

Professional, Dedicated and invested professionals, invested in you as a client and your future security and welfare. Approachable team willing to go the extra mile. Highly recommended. Always felt safe and secure with Elements looking after me and my family from today and into the future.

Matthew H.

David & the team at Elements are a pleasure to work with. They provide sounds & realistic advice, guiding us to a secure financial future. It’s been great working with them for the last 5yrs.

Scott R.

David and his team at “Elements Financial Planning” are very professional, helpful and patient. They looked at all aspects of our lifestyle and cash flows and have now discussed and implemented goals to develop a financial strategy best for us. We now have peace of mind knowing that our property investments, shares portfolios & superannuation fund investments are being managed by experts in their field. Would highly recommend.

Phillip S.

Elements Financial Planning has been our advisors for some years .. David has personally sat with us to start our portfolio and options for our super ., trust his advice and actions thoroughly ., his advice has grown our portfolio to secure our future Phil & Tracey

Scott H.

Very professional and efficient. David and his team have provided us with excellent advice and ongoing support. Highly recommended.

Bronwen T.

Friendly, helpful and informative business to deal with

shaun P.

David and his team have been instrumentel in setting us up for our retirement.I would recommend David and his team to anyone.

Julie-Anne D.

David and his team are exceptional at what they do. We have been very happy with there approach and ideas. We can’t recommend highly enough.

Leanne I.

Have been dealing with David for many many years now and my husband and I love the service we receive from Elements. Dave is friendly, approachable and very knowledgeable, we would recommend his business 100%

You've earned a great life.
The goal now is keeping it.

Sound familiar?

You've survived the whirlwind of raising young kids and building your career. These are your peak earning years. Right now. Every month without a clear plan is compounding you can't get back.

You've earned this moment. We help you make it count.

Precision-built Financial Plans for above-average earners

Stop overpaying tax

Structures and strategies that keep more of what you earn.

Move faster toward freedom

Find the opportunities that get you to financial independence sooner

Watch the numbers move

Real, visible progress you can track — not just a plan on paper.

Most financial plans sit in a drawer. Ours doesn't.

In today's world of complexity and uncertainty, tax, debt, and inadequate retirement savings quietly cost people years of progress — often without them realising it.

elements-financial-planning-david-loughnan

It can feel like you're stuck in neutral, going nowhere fast. At Elements Financial Planning, we're here to accelerate your wealth with a clear, confident path forward.

Using our proprietary Shield System, we help above-average earners and business owners fine-tune cash flow, invest strategically, and protect what they've built — so financial independence isn't a someday goal, it's a tracked outcome.

You're not alone, and it doesn't have to be complicated. We'll explain everything in plain language and guide you to the right choices for your future — no stress, just clear steps forward.

Book a phone call

Feel good about your financial life

We've seen what quietly costs people years — and what makes the difference

Thirteen years of doing this gives you judgment: the ability to spot the mistake you'd miss and the opportunity you didn't know was there.

We love the complex problems — coordinating with your accountants and legal team to minimise tax and build your wealth with intention.

And we stay with you for the long haul. Not a one-off plan, but a partner keeping you accountable, on track, and moving forward year after year.

How we work together

Step 1

Call

Start with a free 15-minute phone call. We find out where you are, where you want to go, and whether we're the right fit.

Step 1

Step 2

Clarify

A focused 45-minute consultation — virtual or in person — where we dig into your full financial picture and show you what's genuinely possible.

Step 2

Step 3

Plan

We design your personalised strategy: the systems, structures, and steps to move you from where you stand today to where you want to be.

Step 3

Step 4

Progress

We meet regularly to review results, refine your plan, and keep you accountable. Reach out any time — no question too small, no opportunity too big.

Step 4

Book a phone call

Financial Planning Podcast Episodes

elements-financial-planning-5-closely-guarded-secrets

Download our free guide

5 closely guarded secrets of the super wealthy

"*" indicates required fields