About us
Income Solutions is a leading financial planning practice established in 1987. Over the years Income Solutions has grown substantially to become the pre-eminent financial planning firm in Victoria, within the Personal Financial Services network.
Income Solutions chooses to be licensed through Personal Financial Services, operating within the Entireti network. Personal Financial Services is one of Australia’s premier financial advice networks, providing our clients with protection, comfort and confidence in the knowledge that we are compliant with regulations and are held accountable for the advice we provide.
Our Mission
Our Mission is to create Wealth for our clients. We define wealth as “the absence of financial worry, an income you don’t outlive, and leaving a meaningful legacy to those whom you love”.
Our Values
Meet our Financial Planners
David Ramsay
Founder, Director & Senior Financial Planner, CFP® (BCom FP)
David is the Founder, Director and Senior Financial Planner of Income Solutions. He is a Certified Financial Planner® with more than 37 years in the profession and completed his Bachelor of Commerce majoring in Financial Planning in 2019.
David built the business based on his strong belief that anyone can take control of their financial future and he is proud to have shared the journey with many of his long term clients.
In his spare time David is a keen Geelong Football Club supporter, he enjoys a hit of golf and spending time with his wife Sue, four children and grandchildren.
Elise Anderson
Director & Senior Financial Planner, CFP® (BCom FP)
Elise joined the Income Solutions team in 2011 and completed her Bachelor of Commerce in 2012 majoring in Financial Planning and Accounting and is a Certified Financial Planner®. Elise has been advising since 2015 and became a Director of Income Solutions in 2021.
For Elise, the best part of her job is helping clients achieve their goals.
Elise, originally from Geelong, spent two years traveling overseas before starting her career at Income Solutions. On weekends, she enjoys spending time at her local park with her husband James, their two kids, and a coffee in hand.
Tharaka Leeniyagoda
Director & Senior Financial Planner (BCom(Acctg), DMBN, CPA, DFP)
Tharaka is a Financial Planner and holds a Bachelor of Commerce (Accounting) from the University of Adelaide, a Master of Business Accounting from the University of South Australia and a Diploma of Financial Planning from Kaplan. Tharaka has been advising since 2018 and became a Director of Income Solutions in 2021.
Tharaka is passionate about helping people achieve financial freedom. In his spare time, Tharaka enjoys cooking and trying out new recipes.
Will Clark
Financial Planner (BCom FP & Finance)
Will Clark holds a Bachelor of Commerce, majoring in Financial Planning and Finance. Will joined the team in 2020 and, after completing his qualifications to become an Adviser, spent 18 months working and travelling the UK and Europe. Returning as an Adviser in 2025, Will continues to bring his wealth of knowledge and experience to the team.
Passionate about educating people on financial literacy, Will enjoys assisting individuals in finding practical ways to improve their personal finances and overall financial confidence.
Outside of work, Will loves travelling and exploring new places, cultures and experiences. A sports enthusiast, Will often attends local sporting events and is a regular at the MCG, cheering on the mighty Bombers in the AFL.
Book a complimentary appointment with one of our Financial Planners today
Meet our Support Staff
Zac Ramsay
Associate
Laura Whitehead
Associate
Mehul Jadav
Associate
Ben Lehmann
Associate
Ashley Irwin
Client Services Officer