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About Us

Totally Integrated Financial Planning (TIFP) is a leading, privately-owned Australian financial planning practice, proudly operating since 1993. Being privately owned means we have no ownership ties with banks, life insurance companies, or other financial institutions — ensuring our advice remains objective and in your best interests.
Our qualified advisers are committed to providing clear, high-quality financial advice and ongoing support tailored to your needs. By partnering with TIFP, you gain access to a trusted practice with a long history of integrity, professionalism, and personalised service.
TIFP Pty Ltd holds both an Australian Financial Services Licence and an Australian Credit Licence, issued by the Australian Securities and Investments Commission (ASIC). All TIFP advisers meet ASIC’s educational standards and ethical requirements.
We are also proud to be recognised as a Professional Practice of the Financial Advice Association Australia (FAAA), the leading professional body for financial advisers.

Meet our Team

Georgie Morris

Director and Financial Adviser

Certified Financial Planner®
Accredited Aged Care Professional™
Diploma of Financial Planning
Diploma of Financial Services (Financial Planning)

Since 2000, I’ve been an Authorised Representative of Totally Integrated Financial Planning Pty Ltd, and in 2016 I became a partner — strengthening my commitment to supporting clients and contributing to the financial advice profession.

Building strong, trusting relationships is central to how I work. By taking the time to understand your circumstances, goals, and values, I provide advice that is personal, practical, and genuinely tailored to you.

My expertise spans all areas of financial planning, including:
• Superannuation
• Retirement planning
• Wealth creation
• Cashflow and debt management
• Personal insurance
• Centrelink and aged care
• Estate planning
• Aged Care

I take a holistic approach, looking at the bigger picture to ensure every part of your financial strategy works together. My goal is to deliver advice that is cohesive, strategic, and built to last — helping you feel confident today and well-prepared for tomorrow.

Away from the office, I love family holidays, good food and wine, and playing golf (when I can find the time!).

Emma-Kate Borg

Financial Adviser

Bachelor of Commerce (Finance and Financial Planning)
Bachelor of Psychology

I believe that truly meaningful financial advice begins with trust. My focus is on building strong, long-term relationships so I can understand what really matters to you: your aspirations, your challenges, and the life you want to create. When we work together, my aim is to give you clarity, confidence, and a sense of direction so you can take control of your financial future with ease.

I have been part of the financial advice profession for many years, working as an Authorised Representative of Totally Integrated Financial Planning Pty Ltd since 2019. Throughout my career, I’ve remained committed to improving the wellbeing of clients and contributing to a profession that genuinely transforms lives in real and lasting ways.

Taking the time to understand your personal story is at the heart of my approach. By learning about your goals, values, and priorities on a deeper level, I can provide guidance that is aligned with the life you want to live.

My areas of advice include:
• Superannuation
• Retirement planning
• Wealth accumulation and investment strategies
• Cashflow and debt management
• Personal insurance
• Centrelink guidance
• Estate planning considerations

I bring a holistic perspective to every client relationship, ensuring all aspects of your financial world work together seamlessly. Whether you're planning for retirement, building wealth, or navigating important financial decisions, I’m here to simplify the complex and support you with confidence every step of the way.

Outside of the office, I love starting my mornings strong with a gym session, and ending the day with a good glass of wine (preferably near a fireplace or at the beach house in the summer sun).

Mirella Cavallaro

Client Services Manager

Bachelor of Business (Accounting)
Diploma of Financial Services (Financial Planning)
Advanced Diploma of Financial Services (Financial Planning)
Diploma of Finance and Mortgage Broking Management

Mirella joined the TIFP team in 2020 and brings with her wealth of knowledge, having worked in the financial services industry for over 20 years.

As Client Services Manager, Mirella works closely with our valuable clients and provides important support to our advisers to ensure our high standard of service is always provided. Her warm friendly personality fits perfectly within our team.

Outside of work Mirella is a proud Mum of two. When there’s a gap in her kids sporting and social calendars, she enjoys visiting family in regional Victoria. Mirella’s favourite holiday destination is Port Douglas and she is an unapologetic Collingwood supporter.

John Mc Inerney

Director

Diploma of Financial Planning
Graduate Diploma of Computer Education
Diploma of Education Technology TACTC, TPTC

John began his financial planning career in 1989, bringing with him two decades of experience as an educator, adviser, and consultant with the Victorian Education Department. In 1993, he founded Totally Integrated Financial Planning (TIFP), where he continues to serve as Director of the practice.

Throughout his career, John has been recognised for his leadership and commitment to developing others within the financial planning profession. As a mentor and educator, he has supported countless professionals in building the knowledge, skills, and confidence needed to deliver meaningful advice to their clients and communities.

John’s philosophy is grounded in providing personal, integrated, and professional financial advice. His approach is strategic and considered, encompassing tailored strategy development, asset allocation, and investment and insurance recommendations — all with the aim of helping clients achieve financial security and the lifestyle they aspire to.

With more than 30 years of experience, John continues as joint Director and owner of the practice alongside Georgie Morris. Together, they are committed to ensuring clients receive thoughtful guidance, high-quality advice, and a truly personalised financial planning experience.

Outside of the office, John enjoys spending time in his hometown of Warrnambool, where he can often be found on the golf course or enjoying a long lunch with good company.

Helen Sjogren

Administration

Bachelor of Applied Science: Microbiology
Diploma of Financial Planning

Helen has been an integral part of the TIFP team for more than 20 years. She provides vital administrative support to the business and plays an important role in ensuring our operations run smoothly and efficiently.

Helen places great importance on trust, respect and integrity—qualities that guide both her work and personal life.

With a background in health and science, Helen brings over 40 years of experience in allied health, adding depth, care and professionalism to everything she does.