Wealth Management
Wealth Management Advice in Sutherland Shire
Is your capital working as hard as you are, or is it sitting in suboptimal structures? For wealth builders, high-net-worth individuals, and property investors, I provide the framework and insights required to grow, protect, and transition your assets. Let’s move you beyond simple saving into sophisticated, data-driven wealth management.
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Not Sure Where to Start with Wealth Management?
A household earning $300,000 a year can still lose thousands to tax, idle cash, and investments that don’t fit together. Shares are on one name, property on another, and super in a fund nobody has reviewed in years. I map what you own, how each asset is held, and what it costs you in tax. Then we build a plan that coordinates your super, property, shares, and tax.
What Wealth Management Advice Do I Offer?
Strategic Asset Allocation
I set the mix of shares, ETFs, fixed income, and cash in your portfolio. The mix comes from your risk tolerance, your timeline, and the return you need to reach your goals.
Tax-Effective Structuring
Discretionary trusts, companies, investment bonds, and super each tax investment income differently. I work with your accountant to hold each investment in the structure that leaves you the most after tax.
Investment Property Integration
Property can make up most of your net worth, along with most of your debt. I advise on gearing, cash flow, ownership, and when to buy or sell, alongside the rest of your portfolio.
Risk and Asset Protection
A lawsuit, a business failure, or a serious illness can undo years of saving. I use ownership structures and personal insurance to protect your wealth if one of these happens.
Intergenerational Wealth Transfer
Passing wealth to your children involves wills, super nominations, trusts, and tax on each transfer. I work with your solicitor, so that assets reach the next generation the way you intend, with the least tax.
Capital Gains Tax Management
Individuals who hold an asset for more than 12 months get a 50% discount on the capital gain. I plan sales around that rule, your income each year, and any capital losses you can offset.
Personalised Plans | No External Influence | No Templates
Why Do Clients Choose Me for Wealth Management Advice?
Get understandable, unbiased advice on perplexing financial scenarios. Here is why you might enjoy working together:
Completely and Fiercely Independent
I own my business. I don’t work for a bank or a corporate entity. That means no product quotas to hit and no boss telling me what to recommend. My advice is focused entirely on your goals, values, and the life you want to live.
Work With One Person Throughout
Big firms swap advisers around every few years. If you choose to work with me, you won’t have to re-explain your life to a new person every time you book an appointment. I’ll still be the one in your corner ten years from now.
Explanations in Simple English
Super rules and tax options are confusing and unexciting to non-financial people. With words and a whiteboard, you will see, and not just hear, where you are today and how you’ll get to where you want to be.
Easy to Reach, Quick to Respond
“Call the office and leave a message” isn’t how anyone wants to reach their adviser. You won’t have to leave messages with the front desk or wait days for a reply. Stay in touch with me through text, email, or in person.
Honest Answers from Day Zero
If I can help you, I’ll tell you how straight up without a sales pitch or the pressure of obligation. If I’m not the right person for what you need, I’ll tell you that too and point you toward someone who is.
Locations
Suburbs
I’m based in Caringbah and opening a second practice in Inner West. Most of the people I work with live right here in the Shire or Inner West. If you’re nearby, chances are I already have clients in your suburb, which makes it easy to catch up in person when you need to.
Sutherland Shire
- Alfords Point
- Audley
- Bangor
- Barden Ridge
- Bonnet Bay
- Bundeena
- Burraneer
- Caringabah
- Caringbah South
- Caravan Head
- Como
- Como West
- Cronulla
- Dolans Bay
- Engadine
- Grays Point
- Greenhills Beach
- Gundamaian
- Gymea
- Gymea Bay
- Heathcote
- Illawong
- Jannali
- Kangaroo Point
- Kareela
- Kirrawee
- Kurnell
- Lilli Pilli
- Loftus
- Lucas Heights
- Maianbar
- Menai
- Miranda
- Oyster Bay
- Port Hacking
- Royal National Park
- Sandy Point
- Sutherland
- Sylvania Heights
- Sylvania Waters
- Taren Point
- Warumbul
- Waterfall
- Woolooware
- Woronora
- Woronora Dam
- Woronora Heights
- Yarrawarrah
- Yowie Bay
Inner West
- Alexandria
- Annandale
- Ashbury
- Ashfield
- Balmain
- Balmain East
- Birchgrove
- Camperdown
- Croydon
- Croydon Park
- Dulwich Hill
- Earlwood
- Enmore
- Erskineville
- Forest Lodge
- Glebe
- Haberfield
- Hurlstone Park
- Leichhardt
- Lewisham
- Lilyfield
- Marrickville
- Newtown
- Petersham
- Rozelle
- St Peters
- Stanmore
- Summer Hill
- Sydenham
- Tempe
If you don’t see your suburb listed, that doesn’t rule you out because I also work with clients across Sydney and the CBD who prefer an adviser close to home in the Shire or Inner West.
Grow Your Resources to Achieve Your Goals
In wealth management, the cost of inaction or inefficient structuring is higher than market volatility itself. By professionalising your investment approach and tightening your tax positioning, you ensure your capital is positioned for long-term resilience. Contact me to begin formalising your wealth management strategy.
Questions
Wealth Management Advice FAQs
Investment advice covers which assets to buy, such as shares or ETFs. Wealth management covers the whole picture: tax structures, debt, property, super, asset protection, and estate planning. Each decision is checked against the others.
There’s no set minimum. Wealth management suits high-net-worth individuals, and also households aged 35 to 50 on high incomes. If you have several properties, an SMSF, a business, or a complicated tax position, wealth management advice can save more than it costs.
I use a psychometric risk questionnaire and look at the return you need to reach your goals. Together they show how much risk you’re comfortable with and how much you need to take. Where the two differ, we discuss the trade-off before investing.
Yes. I don’t sell property or act as an agent. I advise on ownership structures, interest-only versus principal-and-interest loans, gearing, and how property fits your overall asset mix.
Different structures tax investment income at different rates. A discretionary trust can distribute income to family members on lower tax rates. Income paid to children under 18, though, is taxed at penalty rates. Investment bonds pay tax at up to 30% inside the bond, and withdrawals after 10 years are tax-free. Lower tax leaves more of your earnings invested.
It may, if your total super balance is above $3 million. Division 296 (opens in a new tab) started on 1 July 2026. It adds 15% tax on earnings linked to the part of your balance between $3 million and $10 million. Earnings linked to the part above $10 million attract a further 10%. Unrealised gains are not taxed. Super can still be the lower-tax option, so I compare staying in super with holding assets outside it.
AFP® is a professional designation from the Financial Advice Association of Australia (FAAA) (opens in a new tab). Holders meet the FAAA’s education and professional standards. Separately, under Section 961B (opens in a new tab) of the Corporations Act 2001 (opens in a new tab), every financial adviser must act in your best interests. You can check any adviser on ASIC’s Financial Advisers Register (opens in a new tab) before booking.
Formally every 12 months. I also review after trigger events such as a change to tax or super rules, a property sale, an inheritance, or a large market move. Each review checks your asset mix, structures, and tax position.
No. I also work with business owners on how company and trust structures connect to personal wealth and super. With your accountant, I plan how profits move from the business into your name or into super, with the least tax.