Financial Advisers and Planners in Brisbane
Empowering the Brisbane Community to Build Wealth and Prosperity
A change in what homes cost, an upgrade or plans to retire can affect your super, cashflow, tax and any cover. We’ll help you build or review a plan, at our Eagle Street office or by phone or video.
Our Financial Advice Team Is Here to Help You
Who We Help
- Owners thinking of upgrading and testing how the next home would fit the budget
- Families with a valuable home and less of their wealth in super or savings
- Recent buyers settling into a new loan and new costs
- People planning to downsize and working out what a sale could fund
- People renting or saving with a deposit goal or other plans in mind
- Interstate movers deciding what to do with the home they left
- Retirees drawing on super and deciding where they’d like to live
- Owners of a business with wealth tied up there or in a home
We Can Help You
- Build a plan on your income and any debts, rather than on what a home might fetch
- Test a budget for a next home, with a mortgage broker on the lending
- If you own a home, look at how much of your wealth sits in it, and what investments could add
- Plan retirement with your housing in mind, whether you stay, downsize, sell or rent
- Build super as wealth beyond property, where the contribution rules allow
- Plan around capital gains on a sale, with an accountant lodging your return
- Size cover from any debts and who relies on your income, not from a home’s value
- Weigh an SMSF against a regular super fund, including costs and duties
What we advise on
Our Services and the Brisbane Areas We Cover
Cashflow & Financial Wellbeing
Where would your next step in housing leave your budget?
A test budget can show what a move, an upgrade or a first home could mean for your goals.
We’ll set out today’s budget, then build a second version if a next home is on your mind.
A test budget lets you see a bigger loan or a different rent before anything is signed. We don’t forecast interest rates or prices, so if you have a loan, we can try higher and lower figures with you. Any buffer comes from your essential costs and income security, as no single amount suits every household.
Together, we’ll work through:
- Today’s income and spending, with loan repayments or rent set out at the top
- A test budget at a higher loan amount, taken to a mortgage broker for the lending side
- Moving costs, stamp duty and other one-off expenses counted before you compare homes
- Several interest rates tried against a larger loan, if you have a loan or plan one
- Selling and buying at different times, and the cash you’d want set aside between them
- Cash you’d keep on hand during a move, set from what you spend rather than what a home is worth
- Helping adult children with a deposit, if you’d like to, and what it could mean for your own budget
- Less income for a while, from a new baby or reduced hours, tried against the next-home figures
Financial Planning & Advice
How much of your wealth sits in one place?
Seeing your super and any home or investments side by side can show what each could do for your goals.
We’ll build a financial plan, or Statement of Advice, around your super, investing and any home or cover you have.
Every financial decision influences the next, and a home can hold a lot of wealth without paying a single bill while you live in it. We get to know your goals, your income and what matters most to you before we recommend anything, then set out your plan in writing and walk you through it.
Together, we’ll work through:
- Your super and any home or investments compared, and how much of your wealth depends on one asset
- Different home values tested in your plan, with no forecast of where prices will go
- Upgrading, staying put or investing, weighed up against your income and the years ahead
- Goals beyond housing, such as travel, study or time away from work
- Plans for both of you, where you’re deciding with a partner
- A single question, such as insurance ahead of an upgrade, when you don’t want a complete plan
- A broker’s loan advice, an accountant’s tax advice and a solicitor’s documents, lined up with our advice where you’d like that
- Passing on a home and other assets, with a solicitor preparing any documents
Superannuation
If most of your wealth is in a home, what can super add?
Reviewing contributions, fees and any cover can show how super could support you, whether or not you own a home.
We can compare your fund’s costs and investments with what you’d like super to do, whatever your age.
From 1 July 2026 the general concessional cap is $32,500, and caps are indexed. When you start a new job, your employer generally pays into your existing super fund unless you choose another; a default fund applies only if you have no fund. We look at how contributions could add to wealth held outside property.
Together, we’ll work through:
- Paying down debt faster or building super, knowing the rules on when super can be reached
- Super as wealth outside property, and how much you’d like it to provide later on
- Salary sacrifice within the concessional cap, in years when the budget leaves room
- Sale proceeds or a bonus going into super, and the caps on after-tax contributions
- Cover through your fund, if you have it, measured against any loan you’re carrying or planning
- Older accounts from past jobs or another state, and which to keep once any cover in each is read
- The mix of shares and other assets in your fund, if much of your wealth is already in property
- Sharing super with a spouse, if you have one, by splitting or adding, where the rules allow
Tax & Wealth Strategies
What might selling a home or investment mean for your tax?
Planning before a sale can show how it fits with your other goals, with time to weigh your choices.
We can set tax structure and strategy with you around a sale or investment, alongside an accountant, who lodges your return.
For gains accruing after 1 July 2027, the 50% CGT discount is replaced by indexation and a 30% minimum tax. From 1 July 2027, negative gearing on residential property is limited to new builds, though property held on 12 May 2026 is exempt. A sale of your own home can be treated differently, so an accountant confirms your position.
Together, we’ll work through:
- A planned sale of a home you lived in, and any main residence exemption an accountant would confirm
- A sale before or after 1 July 2027, and how gains either side of that date are taxed, worked through by an accountant
- A former home kept and rented out, and how long main residence treatment may apply, with an accountant
- Proceeds from a sale, and where they could go, with the tax on each choice confirmed by an accountant
- Moving interstate, and any land tax in the state where the land sits, checked with that state’s revenue office
- Tax on what higher earners put into super, known as Division 293, and an accountant’s view on it
- Holding shares or property jointly or alone, and an accountant’s view on each
- Selling a business, if that’s part of the plan, and what an accountant would look at
Property Investment Advice
Keep, sell or use a home differently: what would suit your plan?
Looking at the whole plan first can help you decide what suits the years ahead.
We’ll look at how keeping, selling or buying property would fit your plan, with a mortgage broker for the lending.
A rise in value doesn’t pay a bill unless a home is sold or borrowed against. Borrowing to invest can magnify losses as well as gains, and the loan must still be repaid if values fall. We don’t forecast prices or suggest suburbs; we look at how much of your wealth would sit in one asset.
Together, we’ll work through:
- The share of what you own that would sit in property if you bought, and what that could mean
- A former home you still own, if you have one, kept or sold, with an accountant confirming the tax
- Using equity, which is a lending question for a broker, looked at for its effect on your plan
- Rates, repairs and insurance on a second property, tried against your test budget
- Proceeds from selling a rental, weighed across debt, super and the income you’d like later
- Buffers and any cover looked at ahead of a new loan, with repayments counted in the plan
- A first home or an investment first, weighed up with what you’d like from the years ahead
- Property in another state, and that state’s land tax rules, confirmed with its revenue office
Retirement & Aged Care
Does your retirement plan rely on selling a home?
Testing that early can show what a sale could fund and what super and savings could provide.
We can test retirement plans that involve a home, including staying put, downsizing or selling and renting.
Preservation age is 60 for anyone born from 1 July 1964, and super can generally only be accessed once you meet a condition of release, such as ceasing employment at 60 or over. Downsizing may not suit your plans, and Age Pension asset limits differ for homeowners and non-homeowners, so we look at your housing first.
Together, we’ll work through:
- Putting part of a sale into super as a downsizer contribution, if the eligibility rules fit
- What a sale could fund after moving costs, duty and the price of the next place
- The cost of the next home, which may be more than expected, before a move is planned
- Staying in a home you own, and the income super and savings could provide
- Selling and then renting, and what the limits for non-homeowners could mean for any Age Pension
- Regular payments from super once you can access it, and how long those could continue
- A parent’s care needs, if that’s ahead, and how a family home can affect the cost
- Family wishes for what’s left, with a will drafted by a solicitor
Personal Insurance & Protection
Would a home’s value pay the bills if illness or injury stopped your income?
What’s owed and who relies on you can guide any cover, as a home’s value helps only if sold or borrowed against.
We’ll work from any debts and who relies on your income, then compare and apply if cover suits; the insurer decides.
The median house sale price in the Brisbane local government area was $1,445,000 in the June 2026 quarter, up from $1,300,000 a year earlier. Your own figures may be different, so we work from those, and an upgrade can change a loan while a price change alone doesn’t. Moneysmart suggests doing a budget to work out how much income protection you need.
Together, we’ll work through:
- Life and TPD amounts set from any debts and who relies on you, rather than a home’s value
- Extra borrowing after an upgrade, and the amount of cover you’d then want to weigh up
- A monthly benefit from income protection, limited to a share of your income, set against the new budget
- A policy’s waiting period, set against savings you could reach without selling or borrowing against a home
- Life cover through your fund, if you have it, measured against any larger loan balance
- Trauma cover, if it suits you, and what its definitions would mean after a diagnosis
- Application answers given with reasonable care, and what the insurer may decide, before you accept any terms
- Any policies taken out at an earlier loan size, read before you change them
Income Protection with a Health Condition or Illness
Could a health condition change the cover an insurer offers you?
Our guides explain what insurers may ask about common conditions, and a health condition doesn’t necessarily rule out cover.
We can help you prepare an application with a health condition or past illness, and the insurer decides whether to offer cover.
- Cover with a health condition: where to start
- Autoimmune conditions
- Back or joint conditions
- Blood conditions
- Cancer history
- Diabetes
- Digestive conditions
- Eye or hearing conditions
- Heart conditions
- HIV or hepatitis
- Kidney conditions
- Mental health conditions
- Neurological conditions
- Respiratory or sleep conditions
- Weight, smoking or alcohol history
- Women’s health conditions
SMSF
Is a self-managed fund on your list?
Talking through what’s involved can help you settle on super that suits your retirement plans.
We can talk through whether a self-managed fund suits your balance, your time and your retirement plans.
A self-managed fund gives trustees more say over investments, along with running costs, administration and legal duties. Moving from an APRA-regulated fund also means giving up prudential regulation and the option to complain about the fund to AFCA. We look at the options within an existing fund too.
Together, we’ll work through:
- Concentration in one asset, if a fund would hold mostly shares or a single investment
- How long you’d expect to run a fund, and what costs would add up to over those years
- Annual audit, accounts and strategy, and the time those duties would take from you
- Regulator protections and complaint routes, and what differs outside an APRA-regulated fund
- Any insurance in your present fund, and the cost of replacing it outside
- Members who might join, such as a partner or adult child, and how that would work
- Your own fund, if you’re already a trustee, and how it fits with your plans for the years ahead
- More investment choice without leaving your fund, where that’s offered
Areas of Brisbane We Service
Where would you like to meet us?
Across a table or on a call, we’ll start with what you’d like to talk about.
We’ll see you at our Eagle Street office, or by phone or video, from Brisbane, the Gold Coast or the Sunshine Coast.
Our Brisbane office:
- Level 19, 10 Eagle Street, Brisbane QLD 4000
The regions we service:
- Brisbane City and Inner Suburbs, including Fortitude Valley, New Farm, Spring Hill, West End, South Brisbane, Paddington and surrounding suburbs
- Northside, including Clayfield, Nundah, Chermside, Aspley, Stafford, Sandgate and surrounding suburbs
- Southside, including Woolloongabba, Annerley, Holland Park, Mount Gravatt, Sunnybank, Calamvale and surrounding suburbs
- Western and South West Suburbs, including Toowong, Indooroopilly, Kenmore, The Gap, Jindalee, Forest Lake and surrounding suburbs
- Bayside and Redlands, including Wynnum, Manly, Birkdale, Capalaba, Cleveland, Victoria Point and surrounding suburbs
- Moreton Bay, including Albany Creek, Strathpine, North Lakes, Redcliffe, Narangba, Caboolture and surrounding suburbs
- Ipswich, including Goodna, Redbank Plains, Springfield Lakes, Ripley, Booval and surrounding suburbs
- Logan, including Logan Central, Springwood, Shailer Park, Browns Plains, Beenleigh, Jimboomba and surrounding suburbs
- Gold Coast, including Southport, Surfers Paradise, Broadbeach, Robina, Burleigh Heads, Coomera and surrounding suburbs
- Sunshine Coast, including Caloundra, Maroochydore, Mooloolaba, Buderim, Nambour, Coolum Beach and surrounding suburbs
What We Can Look at Together
A Home in the Plan
See how a home fits with your super, any cover and other goals.
A Next Move
Test what an upgrade, a move or downsizing could mean for your budget.
Cover Beyond Home Value
Look at cover based on what you owe and who relies on your income.
A Budget for a Next Home
Try a second budget before you commit, with a mortgage broker on lending.
Super Beyond Property
Plan contributions and look at fees, with wealth beyond property in view.
Tax on a Sale
Plan around a sale with an accountant, including rules applying from 1 July 2027.
Downsizing and Retirement
Work through what a sale could fund and the income you’d like afterwards.
A Deposit of Your Own
Set a deposit goal if you’re renting or saving for a first home.
Proactive, Holistic, and Experienced Financial Planning
A home can mean many things at once: somewhere to raise a family, a place you’ve worked hard for, or the next goal on your list. When its cost or value changes, it’s natural to wonder what that means for everything else you’ve planned. We take the time to listen to what you want out of life, explain your options clearly and help you build a financial plan that looks after more than housing.
If you rent, or have no plans to move at all, there’s just as much to look forward to and plan for. The people you care about, the work you do and the time you’d like to spend together all belong in the conversation. We can help you plan for a life you enjoy now, and work towards the years ahead you’d like to have, whatever home you’re living in.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
Your
Wealth
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
Financial Advice for Everyone
Frequently Asked Questions
We’re invested in your long-term success. What we do is personal, and we take it personally.
Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
This is how we help you make decisions today with your longer-term goals in view.
Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.
It can be a good prompt to look again, though a higher value doesn’t change what you owe or what your income pays for. We’d check whether any cover and buffer still match your income and what you owe, how much of your wealth now sits in the home, and whether plans to upgrade or downsize still add up.
We don’t forecast prices. We work from your own figures, with an accountant on any tax.
Equity only becomes money if a home is sold or borrowed against, and a lender would decide whether you can borrow when income has stopped. That can make it hard to count on for everyday bills, and lending questions go to a mortgage broker.
If illness or injury stops you working, income protection may help, subject to the policy’s definition, waiting period and other requirements. Cash buffers can help in other situations, such as a redundancy or a choice to stop work. We can compare and apply for cover with you if it suits, and the insurer decides.
Your accountant and financial adviser bring different expertise to the same decisions. Your accountant can advise on tax reporting, structures and consequences; we help you plan how cashflow, debt, super, investments and protection work towards your goals. We can coordinate before important decisions.
What an accountant does
- Prepares and lodges tax returns, BAS and financial statements
- Advises on tax structures such as companies, trusts and partnerships
- Manages bookkeeping, payroll and ATO compliance
- Provides tax advice on the consequences of a transaction
What a financial adviser does
- Sets a long term strategy across retirement, investing and cash flow
- Builds wealth from early in a working life, starting with cash flow, a first home and super
- Recommends specific super funds, investments and personal insurance
- Operates under an Australian Financial Services Licence, which is required to give personal advice on financial products
- Handles retirement planning, Centrelink and aged care strategy, and estate planning considerations
Professional roles and authorisations matter. We provide financial advice within our authorisations and work with your accountant for specialist tax advice and lodgements.
Where they work together
- Tax position. Your accountant confirms your marginal rate, deductions and carried forward losses, which shapes decisions on super contributions, investment structures and the timing of asset sales.
- Business and entity structures. Your accountant advises on the structure itself and your financial adviser works within it for investments, insurance and succession planning.
- Cash flow. Your accountant’s figures can help us understand what’s available for debt repayment, protection and longer-term goals.
- Before key decisions. We can coordinate with your accountant on contributions, asset sales and other material choices in time to consider relevant tax consequences.
Start with a test budget at the higher loan amount, including moving costs and duty, and take the lending to a mortgage broker. Then look at what a bigger loan would change:
- Life and TPD cover against the new balance
- Income protection from the new budget
- Any buffer, set from your essential costs and income security
- Super contributions you may want to keep going
We can work through these with you before you commit.
We don’t have an office in North Lakes, so you can meet us at our Eagle Street office in Brisbane, or by phone or video, whichever suits you.
Either way, tell us what’s on your mind and we’ll explain how we can help and what we’ll need to get started.
Comparison sites can show quotes quickly, based on the questions they ask, which can give you a feel for prices.
They may not show how an upgrade changes the amount you’d want, or how one policy’s wording differs from another’s. We can work that through and lodge the application with you, and the insurer decides. Any advice after our initial conversation is a paid service, with its scope and fee agreed with you in writing first.
It can, and that’s where our local knowledge helps. We know Brisbane’s local government areas, including Brisbane, Ipswich, Logan, Moreton Bay and Redland, how property values have moved, its multicultural communities and the opportunities a thriving economy can bring. You can meet us at our Eagle Street office, or by phone or video from anywhere in the city.
Super and Age Pension rules are national, so they stay the same across those councils. Your advice starts with your own situation and plans.
Start with what the old home is doing for your plan, and whether keeping it suits your goals. The ATO says a former home can be treated as your main residence for capital gains tax for up to 6 years if you used it to produce income, such as rent. Conditions apply, so an accountant can confirm your position.
Land tax is set by the state where the land sits, so that state’s revenue office can confirm any amount. We can also look at your budget and any cover with both homes in view.
Start with a budget that shows your rent and what you can set aside, then a deposit goal that suits it. A mortgage broker can tell you what you may be able to borrow.
We can also look at how saving fits with your super and any cover, and whether buying is what you want right now. Renting for longer can be part of a good plan too.
Start with what you’d like from the next home and what a sale could leave after costs, duty and the price of the new place, which may be higher than you expect. Downsizing may not suit everyone.
We’d look at your income, any Age Pension, and downsizer contributions to super where you’re eligible, if you or your spouse have owned the home for 10 or more years. An accountant can confirm any tax.
Compare it with what’s changed: any loan, who relies on your income and what you’d need to keep paying. Cover from before you bought may reflect an older balance, and default cover in super may be lower than what you could get outside super.
We can read what you hold before you change anything, and compare and apply with you if it suits. The insurer decides.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first.
In that first conversation we’ll explain how we can help and what we’ll need to get started, and you’re welcome to ask anything about how our fees work.
You can meet us at our Eagle Street office or by phone or video. The areas tab above lists the regions we service.
Our services are financial planning and advice, personal insurance, superannuation, SMSF, cashflow and financial wellbeing, tax and wealth strategies, property investment advice, and retirement and aged care. Each one has its own page with more detail, linked from the tabs above.
Lending goes to a mortgage broker, tax returns to an accountant and wills to a solicitor, and we can work alongside them.
We start with what you’d like to talk through, whether that’s a next home, a deposit, retirement or simply a second opinion.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. If you have them handy, a home loan statement, a super statement and a recent payslip are useful, and we’ll explain how we can help from there.
Reviews
Testimonials from Our Clients
Client Success Stories
A Property Sale Became a Full PlanEstimated long term financial benefitApprox $448,000
A Plan to Keep the Family HomeLife cover established$1.2 Million
Cover in Place and Fees LoweredImmediate value$1,055 a year
Super Fees More than HalvedProjected retirement uplift$416k
Income Covered for a New MortgageImmediate value$975 a year
A 13-Year Mortgage Paydown PlanPlanned mortgage paydown13 years
A First Home and Family CoveredImmediate value$1,346 a year
Age Pension Kept After an InheritanceProjected uplift at 90More than $642,000
Grow & Protect Your Wealth Today
Whatever’s on your mind, we’re here to help. You’ll speak with an authorised financial adviser who’ll listen first and get to know what matters to you.
Book An Initial Conversation