Benjamin Lembo

Financial Adviser - Melbourne

Benjamin Lembo is a Financial Adviser in the Melbourne Financial Services division at RSM Australia. 

He provides financial advice to individuals, families, professionals and business owners across superannuation, retirement planning, investments and personal insurance.

Benjamin works with clients to help them make practical and tax-effective financial decisions that support their long-term goals. He specialises in building wealth tax-effectively, superannuation and retirement planning, with a focus on helping clients understand the trade-offs involved in different financial strategies and building plans that remain effective over time.

With a background in mathematics, Benjamin takes an analytical and modelling-based approach to advice. He enjoys simplifying complex financial issues and presenting clients with clear options so they can make informed decisions with confidence. His advice is focused on practical implementation, long-term outcomes and helping clients stay disciplined through changing market conditions and life stages.

Benjamin regularly works with pre-retirees and retirees who want to understand whether they are on track for retirement and how to structure their superannuation to generate sustainable retirement income. He also advises professionals and business owners who need a coordinated strategy around cash flow, tax, investing and wealth creation, as well as young families balancing mortgage commitments, personal protection and long-term investing goals.

A key part of Benjamin’s process involves using financial modelling and scenario analysis to demonstrate the long-term impact of different strategies. This allows clients to compare multiple pathways and understand how decisions made today may affect future financial outcomes.

One example involved working with a dual-income professional couple in their late 30s who were uncertain about balancing mortgage repayments, investing and superannuation contributions. Benjamin modelled several long-term scenarios, including the likely outcomes of maintaining their existing approach, to help the clients understand the tax implications, cash flow impact and long-term trade-offs associated with each option. This gave them the confidence to commit to a strategy aligned with their financial goals and lifestyle priorities.

Benjamin aims to provide advice that is practical, structured and easy to understand. He values building long-term relationships with clients and helping them make financial decisions with greater clarity and confidence.
Outside of work, Benjamin is an avid runner and believes successful wealth building follows the same principles as endurance training: a clear plan, disciplined habits and the patience to allow consistent efforts to compound over time.

Solutions

Benjamin provides advice and strategic planning across:

• Superannuation
• Retirement planning
• Wealth accumulation
• Intergenerational wealth transfer
• Investment strategy
• Personal insurance
• Cash flow management
• Tax-effective financial planning
• Scenario modelling and financial forecasting

Qualifications

• Graduate Diploma of Financial Planning - Kaplan Professional
• Bachelor of Science (Mathematics) - RMIT University