About Us

Kirby Smith, a born and bred local, has developed into an extremely passionate, dedicated Financial Adviser with Two Mile Bay Financial Planning in Torquay over the last eleven years.

Kirby’s family has managed a small business in Bellbrae and her love of the Surf Coast led to the purchase of her home in Torquay with her Irish partner in 2015.

As Kirby’s career and client base expanded rapidly, it became very clear that there was vast potential to improve the overall knowledge and understanding of financial matters within the community.

She was approached to conduct evenings to educate Women with the aim to improve their financial literacy in areas such as the family budget, banking structure, superannuation, debt, insurance and estate planning.

And so, it began... her vision to deliver "Women's Financial Education", a six week introduction to core elements of your finances, to as many Women as possible

​Kirby now offers six week seminars in Torquay and also has established corporate workshops in Torquay and Geelong.

"Your mind is a powerful thing, when you fill it with positive thoughts, your life will start to change"- John Assaraf

Call Us

Mob: 0433 378 434

Email Us
Opening Hours

Mon - Fri: 7am - 10pm

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- One on One Money Coach

- Support Group

- Workshops

- Corporate Packages

- Couples Retreats

- Online Financial Education

- Financial Planner


Located in Torquay Victoria

Women's Financial Education is in association with Two Mile Bay Pty Ltd. Two Mile Bay Pty Ltd is a Authorised Representative of Millennium3 Financial Services Pty Ltd. Australian Financial Services Licensee—Licence Number 244252. For Financial Services Products only. For Australian Residents Only. This information (including taxation) is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement. The views expressed in this website are solely those of the author; they are not reflective or indicative of Millennium3 Financial Services position, and are not attributed to Millennium3. They cannot be reproduced in any form without the express written consent of the author.