Wills & Estate Planning Advice in Sutherland Shire
Estate planning is more than signing a bunch of legal documents. It’s making sure your super, property, and investments end up where you want them. I help families across the Sutherland Shire and Greater Sydney reduce tax, prevent disputes, and structure wealth so it supports the next generation effectively.
Not Sure Where to Start with Estate Planning?
Most people only tackle estate planning after a crisis, when options are limited. Whether you’re planning for dependants, SMSF succession, or property transfer, one structured session can give you clarity: who inherits, how tax is minimised, and how to protect your family from uncertainty.
What Wills & Estate Planning Advice Do I Offer?
Besides touching your will, estate planning links property, super, tax, and family structures. These are the areas I most often guide clients through to ensure clarity and protection.
-
Set out executors, guardians, and asset distributions to avoid disputes, especially in blended or complex families.
-
Use trusts, nominations, and ownership structures to protect your wealth and control how it’s passed on.
-
Plan for CGT, income tax, and gifting limits so transfers are efficient and not eroded by avoidable liabilities.
-
Appoint trusted decision-makers for financial, legal, and health matters if you lose any of your capacities.
-
Coordinate binding superannuation nominations and death benefit strategies with your broader estate plan.
-
Plan ownership transfers so that your businesses and property move smoothly, fairly, and tax-effectively.
Why Do Clients Choose Me for Ethical Investing?
When families seek estate advice, they want documents, yes, but equally the confidence that their wishes will be carried out fairly and tax-effectively. Here’s what my clients value most in working with me.
-
I’ve designed portfolios that integrate ESG screens without sacrificing diversification or risk management.
-
I connect wills, super, trusts, and investments into one estate strategy.
-
I translate legal and tax jargon into plain English, so decisions are informed.
-
I work with blended families, dependants, and multi-generational wealth cases.
-
Based in Caringbah, I’m available in person, CBD, or online for ongoing support.
Client Experience
Nothing speaks louder than the experiences of people who’ve sat where you’re sitting now.
Need Help with Anything Else?
Money means different things at different stages of life. These are the areas where I can step in and help take the pressure off:
Superannuation
Making the most of your super, from regular contributions through to withdrawals and tax-free pensions so you feel confident at every stage of life.
Transition to Retirement
Structuring your income streams as you ease out of work, while keeping your lifestyle and tax planning on track.
Inheritance Advice
Helping you manage family inheritances in a tax-smart way, so wealth is preserved and distributed as smoothly as possible.
Shares & ETFs
Building and managing portfolios of shares and ETFs, with strategies designed to balance growth potential against sensible risk.
Property Investments
Guiding you on when and how property can play a role in your broader financial plan, including super and tax considerations.
Pensions
Setting up reliable tax-free retirement income streams that give you security today while protecting your financial future.
Aged Care Planning
Supporting families through the complexity of aged care decisions, from costs and entitlements to long-term sustainability.
First Home Buying
Helping younger clients step into the property market with clear strategies on saving, borrowing, and long-term planning.
Ethical Investing
Designing investment strategies that align with your personal values while still focusing on growth and financial outcomes.
Every plan is personal. I’m not tied to banks or big corporates, and I don’t use rinse-and-repeat templates. The strategies we build together reflect your goals, your values, and the life you want to live.
Say, “I Will Make My Will” Sooner Rather Than Later.
Delaying estate planning leaves families exposed to conflict, tax, and uncertainty. Your wishes should be documented, your assets structured, and your dependants supported. Don’t wait for “someday”. Take action now and create an estate plan that lasts.
Wills & Estate Planning FAQs
-
Solicitors draft documents, but financial planners model how wills, super, and trusts interact with tax and beneficiaries. They ensure strategies don’t just look legal on paper but actually work in practice by protecting wealth, minimising tax, and preventing future disputes.
-
Super doesn’t automatically flow through your will. Binding nominations, pension reversion rules, and tax on death benefits require coordination. A planner integrates superannuation with your broader estate plan to ensure that beneficiaries receive entitlements in the most tax-effective and dispute-resistant way possible.
-
Capital gains tax, income tax on trusts, and super death benefit taxes can erode inheritances. Financial planners model scenarios such as timing asset disposals or using testamentary trusts so that wealth transfers minimise tax exposure and maximise net benefit for your family.
-
Property ownership structures (sole, joint tenants, tenants-in-common) affect how assets pass. A financial planner explains whether property bypasses the estate, attracts CGT, or benefits from exemptions. Strategies may involve trusts, sales, or retention to align outcomes with both family wishes and tax efficiency.
-
Yes. Super nominations and property titles don’t replace a will. They work alongside it. Without a valid will, assets not covered by nominations follow intestacy laws. A planner ensures all structures are consistent and nothing is left exposed.
-
Plans should be reviewed every 3–5 years, or after major life events such as marriage, divorce, children, or significant asset changes. Financial planners ensure wills, super nominations, and trusts stay aligned as laws shift and your financial situation evolves.
-
Yes. Testamentary trusts can protect assets from creditors, family disputes, or irresponsible spending, while also delivering tax benefits by splitting income among beneficiaries. A financial planner helps decide whether trusts suit your estate and how to integrate them with super and wills.
-
Blended families face competing claims from spouses, children, or stepchildren. Financial planners model different distribution strategies, recommend protective structures like binding nominations or trusts, and ensure assets pass as intended while minimising disputes. This balance reduces conflict and strengthens fairness across all parties.
-
Relying solely on a will, failing to update documents, ignoring super, or overlooking tax consequences are frequent errors. Others include informal asset transfers or unclear instructions. Financial planners prevent these by coordinating legal, financial, and tax elements into one coherent, enduring strategy.