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Working With You

Why us?
We are committed to maintaining our FPA Professional practice. This ensures we provide ethical standards, professional practice and uphold the Financial Planning Association's Code of Professional Practice.  

A holistic view

We know money is a means to an end, not an end in itself. That’s why we take a holistic view of your life and your finances, including aspects like estate planning that you may have overlooked. Even if you engage us for advice on a specific transaction, we’ll always consider the bigger picture.

A partnership for life

Once your personalised plan is up and running, we’ll continue to work in close partnership with you and your family to make sure you stay on track. We’ll also collaborate with your other professional advisers, such as your personal banker and your accountant, to provide complete financial care. Our aim is to create a partnership for life, so you can be confident you’ll always have expert support.

A disciplined investment process

We follow a proven process to develop and implement your customised strategy, designed to give you the optimal balance between risk and reward.

Define, Act, Achieve

In today’s uncertain global environment, it takes fresh thinking and astute planning to protect and grow the wealth you’ve worked so hard to build. We define your objectives and act on implementing the best strategies to help you achieve them. At Centralwealth we combine the best research, the best people and the best strategies to help you build on your success. 

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Michael's Story.
Director/Founding Partner and Principal Financial Planner. 


Michael has 16 years experience as a licensed financial planner and 13 years running his own business, graduating with a Bachelor of Business (Financial Planning) from RMIT University with First Class Honours.

Michael also holds a Diploma in Financial Services (Mortgage Broking), where he built his business Central Choice into a National Award Winning mortgage broking company.

Michael's little secret is he was the Cr Grech for the Wetland's ward, Hobson's Bay 2016 - 2020.

He was the co-chair for the Planning Portfolio Advisory Committee and the Active and Inclusive Communities Advisory Committee. 

He is very passionate about the community giving back and loves the neighbours.

Michael believes that having a broader picture of a client’s overall situation allows him to meet their specific lifestyle goals.

Michael is extensively involved with Racing Victoria, dealing with high-net worth individuals including jockeys, trainers and horse owners.

Michael is able to offer full scale advice for all of his clients from investments, superannuation, income protection and life insurance.

Michael specialises in the Retirement Planning space where his spent most of his working life.

When it comes to retirement planning Michael is the expert, he has a number of strategies that he can utilise that will help you achieve your retirement goals.

He believes that as you have worked hard to build your nest egg you need to ensure that it is invested appropriately to provide you with your desired income throughout your retirement years.

Michael more than often likes to utilise protected strategies to ensure his retiree clients do not lose their capital.

Now really what we want to know about Michael.

Favourite Actor/actress? Margot Robbie.

Favourite Quote? “It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.” – Robert Kiyosaki

Describe yourself? Bear.

Home: About Me


Who We Are

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Current goals? To fight off my baldness with my shampoo.
Best skill outside of work? I can speak broken Italian.
Describe yourself? Smart, Kind and Bald.
Daniel believes in understanding people first, where they are now and where they want to go. Then determine what can be done to improve their financial & personal situation, be it greater communication, understanding, strategic planning or maintaining accountability toward what they really want. He completed his Bachelor of Business - (Financial Risk Management/Banking & Finance) and joined Central Wealth Financial Planning in 2013 with a new world perspective. Having completed study during the Global Financial Crisis of 2008 Daniel graduated with an understanding of the need to balance risk within investments. He now has over 7 years industry experience and has collaboratively worked on investment strategies for over $15 million of investment money.He boasts excellent client service experience and problem solving skills. 

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"Michael Grech and the team are the secret to your financial future. Always testing my investment thinking with more practical and greater return options. I owe the team a lot".

Tabitha Mitchell



9 Bent Street Altona,                              Suite 2B / 14 Lionel Road,                       1 Manoora Avenue,                 10 Marlo Road,         
Altona, Vic, 3018                                     Mount Waverley, Vic, 3149                     Paynesville, Vic, 3880               Marlo, Vic, 3888


29 Sturgeon Street, 
Ormiston, Qld, 4160

Phone: 1300 877 399

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Any advice on this site is general nature only and has not been tailored to your personal objectives, financial situation and needs. Please seek personal advice prior to acting on this information. Any advice on this website has been prepared without taking account of your objectives, financial situation or needs.  Because of that, before acting on the advice, you should consider its appropriateness to you, having regard to your objectives, financial situation or needs.

Please contact us for personal financial advice prior to acting on any information within this or any affiliated websites.


Financial Planning Services provided by Michael Grech & Hobsons Bay Financial Planning Pty Ltd ABN  30 421 286 408  trading as Central Wealth Financial Planning are authorised representatives of Consultum Financial Advisers Pty Ltd ABN 65 006 373 995, Australian Financial Services Licence Number 230323 (“Consultum”) of Level 6, 161 Collins Street, Melbourne VIC 3000.
Mortgage Broking Services provided by Michael Grech & Central Wealth Mortgage Brokers Pty Ltd ATF Central Wealth Mortgage Brokers Unit Trust ABN 50 366 282 741 Credit Representative 405646 Authorised Representatives of Connective Credit Services Pty Ltd ABN 51 143 651 496 Australian Credit License Number 389328

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