Financial Advice in Sydney

Fees vary by the complexity of your situation and whether you need one-off or ongoing advice. Most Sydney advisers charge a fixed fee for an initial strategy and a separate ongoing fee if you continue. At Super Financial Advice, you’ll always know the cost before you commit, no surprises.

Earning well and building wealth aren’t the same thing. Plenty of high-income Sydney households feel stretched because their money isn’t structured, big mortgage, big tax bill, super sitting untouched. An adviser’s job isn’t to make you spend less; it’s to make your existing income work harder through smarter debt, tax and investment structure. That gap is usually where the value is.

Both. We meet Sydney clients in person and over video, whichever suits. Most Sydney professionals are time-poor, so remote advice is often the practical choice, you get the same strategy and the same adviser without losing half a day to travel and parking. In-person meetings are available when you’d prefer to sit down together. Not in Sydney? Meet us at our Central Coast office, located in the NEXUS building in Wyong.

Debt recycling can suit Sydney households well because it’s built around a large mortgage and a strong, stable income, a common Sydney profile. It works by gradually converting non-deductible home-loan debt into deductible investment debt. It’s a geared strategy, so it carries real risk and isn’t right for everyone. Whether it fits depends on your income stability, risk tolerance and goals, which is exactly what advice is for.

Check they’re listed on ASIC’s Financial Advisers Register, confirm how they’re paid (fixed fee vs commission), and make sure they explain strategies in plain English. Ask whether they specialise in situations like yours, a high-mortgage Sydney professional has different needs to a retiree. Finally, trust the first meeting: good advice starts with questions about you, not a product pitch.

There’s no single number, but the ASFA Retirement Standard publishes a widely-used benchmark for a comfortable retirement [insert current ASFA figure and year]. Sydney’s higher living costs mean many people aim above the national benchmark. The more useful question is whether your super is on track for the retirement you want, which depends on your age, balance, contributions and lifestyle goals.

Some are, some aren’t. Fees for ongoing advice that relates to managing existing investments can often be deductible, while upfront fees for setting up a new plan generally aren’t. The rules changed in recent years and depend on your circumstances, so it’s worth confirming with your adviser or accountant. We’ll flag what’s likely deductible in your situation as part of the advice.