Building trust through experience and authenticity
Michael Fennell - Founder & Principal Adviser, Coastal Capital Advice.
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:
- 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)
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).
Our Team
Tom Crow
He owns the personal insurance journey from start to finish, from pre-assessment and underwriting through to applications and claims. Insurance is the part of financial advice most people would rather not think about, right up until the moment they need it. Tom's job is to cut through the fine print, turn a confusing process into a clear one, and make sure that when the moment comes, the cover does exactly what it was meant to do.
Outside the office, you'll find Tom at the beach with his partner and their dog. The coastal life suits him, and so does the pace of doing things properly.
Willianne Joy Montaño, BSA, CTT, MBA
She's a key point of contact for clients managing their financial and administrative needs, making sure compliance requirements are met and the day-to-day runs smoothly rather than becoming a headache.
Away from the desk, Willianne is into hip-hop and Latin American dance, plays basketball, reads widely, and collects Bratz dolls. It all points to the same things she brings to work: creativity, discipline, and a genuine love of learning.
Jasmine Mae Zamora, BSAT, DIT
She keeps the business running behind the scenes, supporting the adviser, coordinating admin processes, managing documentation, and making sure clients are looked after quickly and without fuss.
Outside of work, Jasmine bakes, tackles puzzles and crosswords, cross-stitches, dances, and travels whenever she can. She's big on creativity, always learning something new, and keeping work and life in balance.
Local. Family-Focused. Authentic.
As a father of two young children and an Illawarra local, I understand the competing priorities that busy families face.
My approach is pragmatic, honest, and hardworking, because that’s what you deserve from someone you trust with your financial future.
We Understand You
We specialise in helping clients navigate financial complexities.
Our expertise is in building and protecting wealth for individuals who are ready to take control of their financial future and navigate complexity with confidence.
