because only those that plan their future can have one


There are three reasons why planning your wealth is a worthwhile goal:

Firstly, being financially secure gives you more control over your life and decisions.

Secondly, having enough money means you have more options or choices- being able to live where you want, seek the medical treatment you want, being able to spend time doing what you want, travel and pursue your hobbies.

And third, having enough wealth allows you to contribute to causes, things or people that you care for or feel strongly about.

Financially successful people are motivated, responsible and committed.

They take initiative. They find people to help them. 

They don't just let life happen to them. They take control. 

They understand that knowing what to do sometimes isn't enough.

They know that having someone to keep them accountable, reduce the complexity, and help them make the right decisions is worth it's weight in gold.

Hoping for financial success is not a strategy, however a proper plan based on your needs and objectives is.

You don't need to earn a high income to create wealth.

All you need is a little surplus, a solid plan, and the discipline to make it happen.

Start now, and you can create a plan to have enough money to live the life you want and have options down the track.


90% of people fail to achieve even modest wealth


Most people list some form of financial success as being amongst their top goals in life.

A beautiful home. A fancy car. Regular holidays. Independence. Freedom.

Most people never get there.

Too busy. Too scared. Not enough knowledge. No action plan. No accountability.

Despite it being achievable, they fail.


10 Reasons people fail to create and grow wealth

  • Lack of information or too much information
  • Leaving it too late
  • Distraction
  • Procrastination
  • Looking for the “magic solution”
  • Getting caught up working out why things won’t work
  • Don’t believe they can
  • Never take action
  • Don’t make it a priority
  • Don’t seek assistance

Don't be one of the majority. Don't make the same mistakes. 

"Physical sickness makes itself known through medical symptoms. However when it comes to money , many people do not realise that they are financially sick. Why? Because the symptoms don't occur until it's too late."- Ron Malhotra

Don't wait for the symptoms. Seek advice now.

Be one of the successful minority.


    i want you to feel confident and certain about your financial future


    “I genuinely care about helping hard working people make wise decisions with their money. To prevent them from making the most common mistakes and to help them achieve a level of wealth where they can live wherever they want, afford good health care and good education, feel secure, live a life of  dignity, feel confident and certain about their future, enjoy a good lifestyle, spend more time with their family, and become the person they were meant to become. For me this is not just a job, it's a life mission.”

    Ron Malhotra, Founder of Maple Tree Wealth

    We don’t just provide financial advice, we help people secure their future, and there’s a difference.

    Ron Malhotra, financial planning expert

    About Ron Malhotra

    Ron Malhotra AFP PGrad. Bus. ADFS (FP) MBA AFA AChFP is Managing Director of Maple Tree Wealth (independently-owned Financial Advisory firm based in Melbourne) and author of the Amazon #1 bestseller 8 Wealth Habits of Financially Successful People.

    An award-winning advisor with over 16 years experience in the financial services industry, Ron specialises in helping everyday, hard-working people on average incomes, gain financial independence. He is known for his caring, back-to-basics approach. Ron's views are featured regularly in the media and have been published in the Financial Review, CNN, ABC, Money Magazine, Financial Observer, IFA (Independent Financial Adviser), Investing Daily, Small Business Trendsetters and the Financial Planning Magazine.

    Maple Tree Wealth are strong advocates and supporters of Interchange Outer East. Interchange Outer East is a non profit, community based organisation which supports families who have a child or young person with a disability, living in Melbourne’s outer eastern regions.