Important Notice
Before we provide you with financial advice, you should read this Website Disclosure Information (WDI). It contains the following important information to help you decide whether to use our services:
- Who we are
- Advice we provide
- How we are paid
- Who to contact if you have a complaint
Lack of Independence Disclosure: Advice Evolution is owned by advisers and has an open approved products list, however, as we continue to be paid commissions for life insurance products and receive fees based on the asset value of some investments, we must disclose this lack of independence.
About Our Practice
Vega Wealth Advisers Pty Ltd, corporate authorised representative (CAR), number 1320118, trading as Vega Wealth Advisers, is authorised to provide financial services on behalf of Advice Evolution Pty Ltd.
Our business was established by Moiz Mandani in 2026, and we have an office in Box Hill. We offer comprehensive financial planning advice to assist clients develop a structured financial plan that helps them achieve their lifetime goals. We will provide you with strategies that allow you to take control of your own financial future and build relationships with you and your family to secure each generation's financial well-being.
Practice name: Vega Wealth Advisers
Physical address: Suite 10, 1 Main Street Box Hill Vic 3128
Mailing address: PO Box 8 Forest Hill Vic 3131
Phone: 03 5959 1922
Email: hello@vegawealth.com.au
Web: vegawealth.com.au
Why Choose Us
We aim to provide personalised and responsible advice suited to your objectives, and believe that sound advice and planning is the key to improving your financial position.
- We undertake continuous professional development to keep us up to date with all applicable legislative, strategy and product changes.
- We have access to technical, risk and investment research professionals who provide additional analysis on strategies and products.
- We will help you determine your goals and weigh up different investment strategies to achieve them.
- We turn your thoughts into action — no secret formulas, just a solid plan to achieve your goals over time.
Advice Evolution Pty Ltd maintains a broad approved product list containing investment and insurance products that have been researched by at least 2 research houses.
Documents You May Receive
Our advice will be provided to you in a financial plan, known as a Statement of Advice (SOA). The financial plan contains a summary of your goals, our strategies and financial product recommendations to achieve your goals. It also provides detailed information about the fees, costs and other benefits we will receive as a result of the advice provided.
We will keep a record of any further advice we provide. You may request a copy by contacting our office.
You will also receive a Product Disclosure Statement (PDS) if we have recommended you invest in or purchase a financial product. The PDS contains key features of the recommended product, significant benefits, risks and the fees you pay the product provider to professionally manage your investment or insurance.
You may also receive an ongoing or Annual Agreement which will outline how we monitor your strategy and portfolio to ensure they remain the best available to achieve your goals.
You should read any warnings contained in your financial plan, the PDS or IDPS guides carefully before making any decision relating to a financial strategy or product.
You can contact us with any questions relating to your financial products.
Our Financial Planning Process
Everyone has different circumstances, needs and goals. We treat everyone as an individual, but follow a defined process to make sure you know what to expect from us.
Identifying where you want to be
We help you identify your financial and lifestyle goals and explain the services we offer. The type of advice you need could depend on your life stage, the amount of money you want to invest and the complexity of your affairs.
We will help you to identify the issues that need to be addressed to meet your goals. You can then decide whether you want our advice to meet a single need or a broad range of issues.
Considering opportunities and risks
Good personal advice starts with having an understanding of your current situation. We take a close look at your current financial situation – assets, debts, income, expenses and insurance, and explore the options to reach your goals.
Bridging the gap
Based on our research, we will recommend a strategy to bridge the gap between where you are now and where you want to be.
Bringing your plan to life
We work closely with you to implement your financial plan. We help you to complete any necessary paperwork and are available to attend meetings with your accountant, solicitor and general insurer so that your strategy is implemented efficiently.
Staying on track with regular annual or ongoing advice
Time goes on and circumstances and needs change. The final step in our advice process ensures your financial plan remains on track, by providing you with regular ongoing or annual advice.
We will design an annual or ongoing service program so your plan remains up to date.
Transaction services
If you would like us to help you complete a particular transaction without our advice, we can take your instructions and arrange for the transaction to be completed without providing any.
It is important to understand that in these circumstances we will generally ask you to confirm your instructions in writing and to sign a letter that acknowledges you have declined our offer of advice as well as understand the risks of a transaction service. You will be provided with a copy of the letter for your own records.
Fees
The fees charged for our advice are designed to be fair and clear. Your advice fees will be calculated at the time we provide you with personal advice and will be outlined in your SOA or Advice Agreement, inclusive of GST.
| Fee Type | Description |
|---|---|
| Consultation Fee | Up to $330 for a consultation. |
| Advice Fee | Covers the cost of researching and preparing your financial plan. Can be a flat fee with an additional performance or risk margin depending on size and complexity. |
| Advice Implementation Fee | Covers the administrative time spent implementing recommended strategies and products. Calculated on estimated time to complete the task. |
| Admin Fee | Charged for any other admin services provided. |
| Hourly Rate | Adviser time: $330/h | Admin staff: $110/h |
| Annual / Ongoing Advice | Covers keeping your strategy and investments current, up to date, and any services provided by the practice. Detailed in a separate document at the time of advice. |
Life Insurance Payments
Advice Evolution Pty Ltd will receive commission directly from the product provider based on a percentage of the insurance premium paid. Commissions are deducted from the premium by the product provider and are not paid directly by you.
- Initial commission: A one-off commission paid at the inception of an insurance policy, ranging from 11% to 66% of the initial premium paid.
- Ongoing commission: Part of the product provider's ongoing charges, paid every year that the insurance policy is retained.
Payment Methods
- BPay, direct debit (credit card or savings), cheque
- Deduction from your investment
- Ongoing fees may be deducted annually, monthly, or quarterly
- Annual or ongoing advice fees may increase each year in line with CPI or by a fixed amount or percentage as agreed
About Advice Evolution Pty Ltd
Advice Evolution Pty Ltd
ABN: 66 137 858 023 | Australian Financial Services Licence: 342880
Suite 302, 20 Bungan Street, MONA VALE NSW 2103
Advice Evolution Pty Ltd has approved the distribution of this Website Disclosure Information.
Privacy & Disclosure
Your privacy is important to us. As part of the financial planning process, we need to collect information about you. Where possible we will obtain that information directly from you, but if authorised by you we may also obtain it from other sources such as your employer or accountant.
We are also required under the Anti-Money-Laundering and Counter-Terrorism Financing Act (AML/CTF) 2006 to implement client identification processes. We will need you to present identification documents such as passports and driver's licences in order to meet our obligations.
We keep your personal information confidential and only use it in accordance with our Privacy Policy. Some of the ways we may use this information:
- Your financial adviser and Advice Evolution may have access to this information when providing financial advice or services to you.
- Your information is only disclosed to other parties as are necessary for us to provide our services, including fund managers, life companies, other Licensees and related parties.
- In certain situations, some parties we share information with may be in, or have operations in, other countries. Appropriate data handling and security arrangements will be in place.
- Your information may be used to provide ongoing information about opportunities relevant to your financial needs through direct marketing (subject to your ability to opt-out).
- Your information may be disclosed as required or authorised by law and to anyone authorised by you.
For a copy of Advice Evolution's Privacy Policy visit www.adviceevolution.com.au or contact us. The policy contains information about how to make a complaint about a breach of the Australian Privacy Principles.
Professional Indemnity Insurance
Professional indemnity insurance is maintained by Advice Evolution Pty Ltd to cover advice, actions and recommendations which have been authorised by Advice Evolution Pty Ltd and provided by your adviser. The insurance satisfies the requirements imposed by the Corporations Act 2001 and financial services regulations.
Complaints
If you have any complaints about the services provided to you, please follow these steps:
- Contact your financial adviser and tell them about your complaint.
- If not satisfactorily resolved within three days, contact Advice Evolution Pty Ltd on 042 622 8737 or email admin@adviceevolution.com.au.
- Advice Evolution will acknowledge your complaint and provide a formal written response within a 30-day period.
- If still unresolved, you may lodge a complaint with AFCA — website: www.afca.org.au, phone: 1800 931 678 (free call).
For full details, see our Complaints page.
Adviser Profile
Version 1.0 | Date Issued: 16 March 2026 | This profile is only complete when the business profile is attached.
Education & Qualifications
Experience
Moiz has over twelve years of experience in the Financial Services industry, with the last ten years as a Financial Adviser with NAB Financial Planning, MLC Advice, and Bridges Financial Services. He has helped hundreds of Australians achieve their goals and be on the journey to their ideal life.
Memberships
Moiz is a Certified Financial Planner® practitioner and a member of the Financial Planning Association of Australia. He is also an SMSF Association SMSF Specialist Advisor.
Advice your adviser can provide
Moiz can provide strategic advice and arrange the following types of financial products and strategies:
Strategies
- Aged care accommodation
- Centrelink planning
- Investment planning
- Superannuation planning
- Pre-retirement & retirement planning
- Estate planning considerations
- Risk and insurance analysis
- Business succession planning
- Salary packaging advice
- Gearing strategies
- Savings and wealth creation strategies
Products
- Self-managed super funds
- Direct shares
- Cash management trusts
- Retirement income streams
- Retail & wholesale managed investment schemes
- Master trust products
- Superannuation products
- Personal and group insurance
- Business succession insurance
- Margin lending facilities
- Socially responsible investments
How the adviser is paid
Advice Evolution Pty Ltd will retain 2% of the gross revenue received for recommended financial services and/or products. Advice Evolution Pty Ltd will pay Vega Wealth Advisers Pty Ltd 98% of the gross revenue received. Moiz has equity in Vega Wealth Advisers Pty Ltd and may receive capital and profit related benefits.
Vega Wealth Advisers Pty Ltd maintains a register of any non-monetary benefits received between $100–$300. If you would like a copy of either benefits register, please ask your adviser.
Other benefits your adviser may receive
From time to time, product providers may provide our advisers with non-monetary benefits such as training, professional development, software, and other support. These benefits are documented in a register maintained by Vega Wealth Advisers Pty Ltd. A copy of this register is available upon request.
These benefits do not influence the advice provided to you. Our advisers are required to act in your best interests at all times.
Appendix: Privacy collection statement
Vega Wealth Advisers Pty Ltd collects personal information about you in order to provide you with financial advice and other services. This information may include your name, address, date of birth, tax file number, financial details and other relevant information.
We collect this information directly from you and, where authorised, from third parties such as your employer, accountant or other advisers. This information is used to:
- Assess your financial situation and provide appropriate advice
- Implement financial strategies and products
- Manage your ongoing financial affairs
- Meet our legal and regulatory obligations
Your personal information will be handled in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. We will not disclose your information to third parties without your consent, except as required by law or as necessary to provide our services.
You have the right to access and correct your personal information at any time. To do so, or if you have any concerns about how your information is being handled, please contact us:
For further information about our privacy practices, or to obtain a copy of the Advice Evolution Privacy Policy, please visit www.adviceevolution.com.au.
