OUR ESSENCE
We believe exceptional financial advice begins with understanding people, not portfolios. Every financial decision is influenced by emotions, values and life experiences, which is why we take the time to truly understand what matters most to you. By combining emotional intelligence with tailored financial strategies, we help bring clarity to complexity, confidence to decision-making and peace of mind for the future.
Bespoke financial strategies for Melbourne professionals, business owners, retirees, and those approaching retirement — grounded in strategy, guided by understanding, and tailored to what matters most.
Strategic Wealth Services
Expertise & Advisory
Our Approach
Long-term financial strategies meticulously tailored to your unique goals and aspirations.
Strategic Advice
Personal Partnership
Boutique service defined by trusted, long-term relationships and deep advisory expertise.
Transparent, ethical advice strictly aligned with your best interests and financial security.
Integrity First
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Bachelor of Commerce (Finance and Financial Planning)
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Kaplan Professional SMSF structure and advice
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Member of Financial Planning Association and registered financial adviser with Australian Tax Practitioners Board
More Personal Approach to Advice
For many people, financial advice has felt transactional, something complex, impersonal, and often difficult to trust. After more than 20 years working within the financial services industry, I’ve seen firsthand what works and what doesn’t. I founded ER Private Wealth to create something different. A more personal, thoughtful approach to advice, built around understanding you, not just your finances.
Whether you’re planning for retirement, growing your wealth, or simply looking for clarity and confidence in your decisions, my role is to guide you with experience, care, and honesty. Because good advice isn’t just about numbers, it’s about helping you feel secure, in control, and ready for what comes next.
Evguenia Rutkowski
Director & Principal Financial Adviser
Finalist
Client Reviews
“I met Evguenia in October. She is well organised and extremely helpful and knowledgeable. I highly recommend her.”
— Maria K.
“For most of my 20s and 30s I put off financial planning because it seemed complicated. Evguenia helped me set long-term goals and implement strategies. I am already seeing results. I can’t recommend her highly enough.”
— Daniel S.
“I became a single mum over 4 years ago and with their guidance I created financial stability and growth for myself and my 3 kids… Thanks so much Evguenia and the team.”
— Sarah M.
“Been with Evguenia for over 5 years. Impeccable service & support. She makes understanding complex advice seem simple. Always professional and seamless.”
— John P.
“Evguenia is always helpful and caring of our financial requirements, and always responds promptly to any queries.”
— Helen R.
“Evguenia is an experienced and knowledgeable advisor. She helped me with super and retirement planning and gave me peace of mind for the future.”
— Michael T.
“Evguenia really took the time to listen and tailor advice to my individual needs rather than a one-size-fits-all approach.”
— Anna L.
“I feel confident I can have the retirement I want and know Evguenia is always available if I need anything.”
— Peter G.
“I have a lot of trust in Evguenia and anticipate our partnership continuing for many years.”
— Robert C.
“Evguenia set me up for a comfortable retirement and I am forever grateful.”