Financial Advisers and Planners in Sydney
Empowering the Sydney Community to Build Wealth and Prosperity
A home loan, a growing family or retirement coming closer can change how your cover, super, cashflow and tax fit together. We can help you see how they connect, at one of five offices or by phone or video.
Our Financial Advice Team Is Here to Help You
Who We Help
- Recent home buyers who’ve just bought or upgraded
- Couples on two incomes sharing one home loan
- New parents with a baby on the way or just arrived
- Households moving to one income for a while or for good
- People nearing retirement and planning when to stop work
- Retirees with a paid-off home deciding what comes next
- Renters and savers planning to buy, or happy to keep renting
- Business owners keeping household and business plans in step
We Can Help You
- Size life and TPD cover against any home loan and anyone relying on your income
- Build a household budget with any loan repayments in it
- Look at your super, and any cover inside it, alongside a home loan
- Work out income protection from a budget of what you’d need to keep paying
- Plan retirement income, whether you own your home, rent or are still paying it off
- Plan tax and structure with an accountant, who prepares and lodges your return
- Weigh up an investment property as part of your financial plan, with a broker for lending
- Consider whether an SMSF suits you, including its costs and trustee duties
What we advise on
Our Advice and the Areas We Service
Cashflow & Financial Wellbeing
Once any home loan repayments are counted, how much of your income is left for your goals?
A budget built on what comes in and goes out can show how much room there is for savings and your goals.
We can map your income, any loan repayments or rent and your everyday costs into a household budget you can use.
There’s no single buffer that suits every household. We look at your essential costs, income security and available support, then agree on a buffer and a practical way to build it. We don’t forecast interest rates, so if you have a loan, we can test your budget against higher and lower repayments instead.
Together, we’ll work through:
- Loan repayments or rent, rates, insurance and groceries set out in one household budget you can read at a glance
- A cash buffer set from your essential costs, income security and any support available to you
- Higher and lower repayments tested against your budget, if you have a loan, without forecasting where interest rates will go
- An offset account, if your loan has one, compared with a separate savings account
- One income for a while, whether by choice or not, and what the budget would need to change
- Childcare fees beside other household costs, after any subsidy you’re eligible for, in the months a parent returns to work
- Any surplus after repayments, and whether extra goes to a loan, super or savings first
- A pay rise, bonus or job change, and how the extra income could serve your goals
Financial Planning & Advice
Which goals would you like your money to support over the next few years?
Bringing your goals, income and commitments into a financial plan can show what’s within reach and what to do first.
Together, we can build a financial plan, or Statement of Advice, that joins up your cover, super, debts and goals.
Every financial decision influences the next, so a new home loan can affect your cover, your super and what’s left to invest. 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:
- Goals for the next few years and the longer term, written down so we can plan around them
- What to tackle first among debts, super and investing, given what you care about most
- A new baby, a bigger home or a different job, and how each could reshape your goals
- Your partner’s income and goals, where you’re planning together, alongside your own
- Investing outside super while any loan is running, and how that sits with your timeframes
- Any broker, accountant or solicitor you already use, kept across the parts of our advice that touch their work
- Advice on a single topic, such as cover, where a full financial plan isn’t what you’re after
- Who would receive your super and any cover, as considerations to take to a solicitor for your estate plan
Superannuation
Does your super fit your plans, at whatever age you are?
Looking at its fees, investments and any cover can show how well your super fits the life you’re planning.
We can review where your super sits, what it costs and how it’s invested, at any age.
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. From 1 July 2026 the general concessional cap is $32,500, and caps are indexed. We look at your fund’s fees, investments and any cover before considering a change.
Together, we’ll work through:
- Your fund’s fees and investment mix, and how well they suit your age and plans
- More than one fund in your name, and which to keep given any insurance attached to each
- Salary sacrifice or personal contributions, within the concessional cap and alongside any loan repayments
- A one-off bonus or sale, and whether catch-up contributions are open to you under the cap rules
- Spouse contributions and contribution splitting, where you’re eligible and they suit your household
- Paying down a home loan or adding to super, given money in super generally stays locked until a condition of release
- Any insurance attached to your account, and what would happen to it if you changed funds
- Investment options matched to your age, timeframe and comfort with ups and downs
Tax & Wealth Strategies
How could planning around tax fit with your goals?
Thinking about tax alongside your super and investments can show how your income could work towards the life you want.
We can plan tax and set tax structure and strategy with you, alongside an accountant, who prepares and lodges your return.
From 1 July 2027, negative gearing on residential property is limited to new builds, though property held on 12 May 2026 is exempt. For gains accruing after 1 July 2027, the 50% CGT discount is replaced by indexation and a 30% minimum tax. We can plan around those changes with you and an accountant.
Together, we’ll work through:
- Joint or sole ownership of investments, and who pays tax on the income, confirmed by an accountant
- Pre-tax contributions compared with paying down a loan, with the tax side confirmed by an accountant
- Extra tax on super contributions at higher incomes, with the position confirmed by an accountant
- Investments outside super and the tax they generate, planned alongside any loan and your retirement timeframe, with the tax confirmed by an accountant
- A planned property or share sale, and how gains accruing after 1 July 2027 may be taxed, confirmed by an accountant
- Business income and household goals, with the structure set in discussion with an accountant
- Rental and investment records an accountant would need at tax time, and how to keep them in order
- Tax on super withdrawals and retirement income, explained before you decide when to stop work, with an accountant advising on your position
Property Investment Advice
Would an investment property sit comfortably with the rest of your plans?
Testing the numbers against your budget and goals first can help you decide whether buying suits the life you’re planning.
We’ll look at how an investment property would fit your plan, with a mortgage broker handling the lending.
We look at what an investment property would do to your budget, cover and super, rather than forecasting prices or picking suburbs. Borrowing to invest can magnify losses as well as gains, and the loan must still be repaid if values fall. An accountant confirms the tax on each option.
Together, we’ll work through:
- Interest, insurance and maintenance on an investment property, set against your household budget
- If you own your home, keeping it as an investment when you move, and whether that fits your wider plan, with tax confirmed by an accountant
- Deposit and borrowing questions, taken to a mortgage broker who can assess the lending
- An investment property’s after-tax cost under the rules applying from 1 July 2027, with an accountant doing the tax sums
- Buying in your own name, jointly or another way, with the tax on each checked by an accountant
- Cover and cash buffers looked at before taking on an investment loan, given the loan must still be repaid if values fall
- Property alongside super and shares, and how much of your wealth would sit in one asset
- Selling an investment property, and how the proceeds could fit your retirement or debt plans
Retirement & Aged Care
How would you like to spend your days once you stop working?
Working back from the life you want can show what your super, savings and any home could provide.
We can talk through when you’d like to stop work, what you’d live on and where you’d like to live.
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. Age Pension asset limits differ for homeowners and non-homeowners, so we look at your housing before you decide to stay, sell or move.
Together, we’ll work through:
- A home you own outright, and whether staying, downsizing or selling suits the income you’d like
- Downsizer contributions to super, where you’re eligible, if you or your spouse have owned the home you’re selling for 10 or more years
- Selling up and leaving Sydney, and how a move may affect your budget and any Age Pension
- Renting in retirement, and how rent assistance and the Age Pension rules may apply to you
- Income from super, including how an account-based pension could pay you once you meet a condition of release
- A gradual finish, with some paid work continuing, and how that income may sit with any Age Pension
- Aged care for you or a parent, including how fees and the family home may be assessed
- Leaving money to family, with wills and estate plans drafted by a solicitor
Personal Insurance & Protection
If you’ve taken on a bigger home loan, do your cover, super and cashflow still fit it?
Seeing them side by side can show what may help if illness or injury stopped your income.
We’ll start with any loan you hold, then compare and apply for cover with you, and the insurer makes the final decision.
The median home sale price in Greater Sydney was $1,175,000 in the March 2026 quarter. Any loan of your own may be quite different, so we work from your actual figures and budget. Default cover in super may be lower than what you could get outside super, and Moneysmart suggests doing a budget to work out how much income protection you need.
Together, we’ll work through:
- Life and TPD amounts worked out from any loan balance you owe, rather than a rule of thumb
- How far life cover held in super, if you have it, would go towards clearing a home loan
- Income protection sized from a budget of repayments, bills and other household costs, within the share of income a policy can replace
- A monthly income protection benefit compared with what the household would still owe each month
- Any cover held from before a loan, with its terms read before anything is changed or replaced
- Trauma cover, if it suits you, as a possible source of money for repayments during a serious illness that meets its definition
- The insurer’s possible decisions on an application, including alternative terms, explained before you accept anything
- Whose name a policy sits in and who would receive the benefit, with a solicitor where a will is involved
Learn more about Personal Insurance & Protection
Source: NSW Department of Communities and Justice, Rent and Sales Report, sales tables, March 2026 quarter
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 running your own super fund something you’d like to explore?
Talking through the costs, time and duties can help you choose super that suits the years ahead.
Together, we’ll weigh up whether a self-managed fund suits your balance, your time and your goals.
A self-managed fund offers more control over investments, and it brings yearly costs, administration and legal duties as a trustee. Leaving an APRA-regulated fund also means giving up prudential oversight and the option to complain about the fund to AFCA. We look at the choices inside an existing fund alongside it.
Together, we’ll work through:
- Your super balance, and whether the yearly cost of running a fund makes sense at that level
- The time a trustee needs, given the records, strategy and audit a fund requires each year
- Complaint options and regulator oversight that would change once a fund is your own
- Direct shares or term deposits inside an existing fund, where offered, if more choice is what you’re after
- Running a fund jointly with a partner, and who would take over if one of you stepped back
- Any insurance held through your current fund, and what you’d want in place before closing that account
- A self-managed fund you already run, with the investment strategy looked at against your retirement plans
- Winding up a self-managed fund later on, if running one no longer suits you
Areas of Sydney We Service
Where can we meet, and does it have to be in person?
An office visit, a phone call or a video call can all start the same conversation about what matters to you.
We can meet you at one of our five Sydney offices, or by phone or video.
Where no office is nearby, we can meet at another of our offices, or by phone or video.
Our Sydney offices:
- Shop 127/158 Day Street, Sydney NSW 2000
- Level 1, 23 Oxford Rd, Ingleburn NSW 2565
- 7/238 Prospect Highway, Seven Hills NSW 2147
- Level 7, 111 Phillip Street, Parramatta NSW 2150
- 3 Somerset Avenue, Narellan NSW 2567
The regions we service:
- Sydney CBD and Eastern Suburbs, including Surry Hills, Pyrmont, Double Bay, Bondi Junction, Randwick, Maroubra and surrounding suburbs
- Inner West, including Balmain, Leichhardt, Marrickville, Ashfield, Burwood, Concord and surrounding suburbs
- North Shore, including North Sydney, Mosman, Chatswood, Gordon, Hornsby and surrounding suburbs
- Northern Beaches, including Manly, Dee Why, Mona Vale, Avalon Beach and surrounding suburbs
- The Hills District and North West, including Castle Hill, Baulkham Hills, Bella Vista, Kellyville, Rouse Hill and surrounding suburbs
- Greater Western Sydney, including Parramatta, Merrylands, Auburn, Blacktown, Mount Druitt, St Marys, Penrith and surrounding suburbs
- South West Sydney and Macarthur, including Bankstown, Fairfield, Liverpool, Campbelltown, Camden, Oran Park and surrounding suburbs
- St George and Sutherland Shire, including Hurstville, Rockdale, Brighton-Le-Sands, Caringbah, Cronulla and surrounding suburbs
What We Can Work Through With You
Cover and a Home Loan
See how cover could fit with a home loan and anyone relying on your income.
Your Household Budget
Plan with a clear view of any repayments, everyday costs and what’s left for your goals.
Planning on One Income
Plan how the household budget could work if one income pauses, whatever the reason.
Your Super at Any Age
Understand your fund’s fees, investments and any cover, and what contributions could add.
Your Tax Planning
Plan structure and strategy with an accountant, and see how tax decisions fit your wider goals.
Property in Your Plan
See how an investment property would affect your budget and goals before you commit.
Your Retirement Income
Work towards the income you’d like, whether you own your home, rent or plan to sell.
Selling Up and Moving On
Plan your budget, super and next steps before you sell, with an accountant on the tax.
Proactive, Holistic, and Experienced Financial Planning
There’s rarely one right time to sit down with your finances. It might be a new home, a new baby, a change of work or simply a feeling that things have become harder to hold together. We take the time to listen to what you want out of life, explain your options clearly and help you build a financial plan around what matters most to you, from wherever you’re starting.
It could just as easily be retirement coming into view, a home you’ve finally paid off, or plans to sell up and begin somewhere new. Whether you own, rent or are still saving, the people you care about and the life you’d like together belong at the centre of the plan. We can help you plan for the life you’d like now, and work towards the years ahead with more confidence.
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, and that’s where our local knowledge helps. We know Sydney’s local government areas, how property values have moved across the city, its multicultural communities and the opportunities a thriving economy can bring. We have five offices in Sydney, at Sydney CBD, Ingleburn, Seven Hills, Parramatta and Narellan, and clients anywhere in the city can also meet by phone or video.
The rules on super and the Age Pension are national, so they don’t change from suburb to suburb. Your advice starts with your own situation and plans.
There’s no single multiple that suits every loan, so we work it out from your own numbers. We start with what’s still owing on the loan and any other debts, then add what anyone relying on your income would need, and take off what you already have in savings and cover.
We can then compare and apply for cover with you. The insurer decides whether to offer cover and on what terms.
We don’t have an office on the Northern Beaches, so you can meet us at our Day Street office in Sydney, or by phone or video, whichever suits you.
The conversation is the same however we meet. We’ll talk through what’s on your mind, then explain how we can help and what we’ll need to get started.
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.
It depends on the amount and type of cover, the size of the loan and who relies on your income. Moneysmart notes that default cover may be lower than what you could get outside super, and that eligibility rules can apply.
We can read what your fund provides, compare it with your loan and budget, and look at whether any extra cover suits you, inside or outside super. If you apply, the insurer decides.
We have an office in Parramatta, plus offices at Ingleburn, in the City of Campbelltown, and at Narellan, in the Camden area. Our Seven Hills office is also on the western side of Sydney.
The addresses are in the areas tab above. If a call suits you better, we can also meet by phone or video.
An insurance comparison site can show quotes quickly, based on the questions it asks, and that can be a useful starting point.
Advice looks at how a policy sits with your loan, budget, super and anyone relying on your income. We can read the definitions and conditions, then compare and apply for cover with you. The insurer still decides whether to offer cover and on what terms. Any advice after our initial conversation is a paid service, with its scope and fee agreed with you in writing first.
A financial adviser can help with your budget, savings goals, super, cover and investing, whether you’d like to buy or plan to keep renting. None of that depends on owning a home.
If retirement is closer, renting can also change how the Age Pension assets test applies, because the limits differ for homeowners and non-homeowners. We can work through what you’d like the years ahead to look like and plan from there.
Start with the income you’d like in retirement, then look at how your super, savings and any investments could provide it. 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.
It can also help to look at:
- Whether any cover you hold still suits you
- Whether to stay, downsize or sell
- How the Age Pension assets test may apply to you
- Estate planning considerations to take to a solicitor
We can work through these with you.
Start with what the sale could mean for your budget, super and any loan, and what you’d like the money to do next. We can plan that with you before you sign.
If you’re also weighing up keeping the home and renting it out, 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.
Property taxes and duties can differ between states, so your conveyancer or the state revenue office can confirm them for wherever you’re moving.
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 one of our offices 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.
Our first conversation starts with what’s on your mind, whether that’s a new home loan, a change in the family or retirement coming into view. Tell us what you’d like the next few years to look like.
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. We’ll explain how we can help and what we’ll need to get started, such as the statements and policies you already hold.
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