Michael Fennell - Founder & Principal Adviser, Coastal Capital Advice.
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I’m Michael Fennell, founder and principal adviser at Coastal Capital Advice. After nearly 15 years in financial services, working with major banks, superannuation funds and boutique Financial Advice firms, I established Coastal Capital Advice to provide clear, strategic, and personalised financial advice for professionals, business owners, self-managed super funds (SMSFs) and retirees across Australia.

At Coastal Capital Advice, we specialise in helping professionals, business owners and retirees. Many of our clients come to me for guidance with:
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- Utilising surplus cashflow
- Superannuation and retirement strategies
- Personal insurance advice (Life, TPD, Income Protection, Trauma)
- Investment and wealth building strategies
- Tax effective structures such as Family Trusts, companies and SMSFs
- Debt management (accessing equity to invest, structuring debt)
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I know that the best financial advice comes from understanding what matters to you and creating a clear path to get there. That is why we deliver personal, jargon‑free advice that empowers you to make confident decisions.

As a father of two young boys and an Illawarra local, I understand the competing priorities that busy families face. My promise is to give you clarity and confidence in your long‑term plan, so you can focus on what matters most - living life on your terms.

I hold a Master of Financial Planning, Bachelor of Business, Justice of the Peace (NSW) and also a member of the Financial Advice Association of Australia (FAAA).