We help you design a financial plan to live the future you’ve earned.
At Smart Financial, we want to help you achieve clarity so that you can envision a direction for your financial journey. By getting to know you, your family, your values, and your hopes we can help you clearly visualise your financial future and structure a plan to help you achieve this vision. We will help you every step of the way, supporting you through any changes and challenges you may face.
We establish a long-term partnership with you, taking the time to properly get to know you and your family so that we can tailor our advice to your specific needs. To us, you’re more than just a number and we pride ourselves on our approachability and delivering open and honest guidance.
The technical expertise and experience that the team at Smart Financial possess can help you in all aspects of your finances, from setting goals and managing your cash flow to exploring retirement and aged care options. Our team will help you achieve peace of mind knowing that your wealth is not only protected, but also growing.
Smart Financial is deeply imbedded in the local community, having been established in Shellharbour over 15 years ago. Now with multiple offices in the region, all of our advisers are long-term residents of the area and so not only share your values but your local heritage as well. Smart Financial is privately owned with no exclusive alignment to any major financial institution, so we only ever have your best interests at heart.
Since 2007, Smart Financial has grown from one adviser to 13 advisers, making us one of the largest Financial Planning organisations in Australia.
Now, with more than 40 staff in total, we support clients across Australia, and overseas, either in person or online.
We’ve grown steadily through strong relationships, referrals and local clients who have shared their experience with friends and family. We’re proud of that, because their trust says a lot about how we work.
And while the business has grown, the heart of it has stayed the same. Smart Financial was built to feel personal. You know who is sitting across the table from you, and you can trust we’ll take the time to get it right.
The moments people come to us are rarely small ones: retirement, big decisions. business growth, inheritance, loss, family change. These are the times when you need someone you can rely on to guide, reassure and advise.
That’s the kind of support Smart Financial provides.
Clear, not confusing: We explain financial advice simply, using words you get. No jargon. No walls of complex text. Just clear guidance that helps you feel informed, ready and confident about what comes next.
Personal connection: Even as we’ve grown, you’re never a number here. Each client is allocated a dedicated adviser who remains your financial guide throughout every life stage. We take the time to know our clients, understand what matters to them and build strong consistent relationships.
Advice that keeps you moving: The value of a plan comes from being able to use it. We help you make informed decisions, stay on track, and feel supported through changing life stages and the choices that come with them.
Expert guidance, made practical: There is deep technical knowledge behind what we do, but our focus is always on what works in real life. We stay curious, keep evolving and use that expertise to make things easier for our clients.
Grounded in community: We’re proud to be a local business with strong ties to the Illawarra and Shoalhaven. Our priority is personal service, family feel and real connection.
Care: We never lose sight of the human side of financial advice. Behind every plan is a person, a family, a future and a set of decisions that matter deeply. This is something we take seriously.
Michael Misiti is the founder of Smart Financial and the driving force behind what you see today.
He has spent years helping people through some of life’s biggest financial decisions. From preparing for retirement and growing wealth, to navigating loss, inheritance, family change and new opportunities. As an experienced adviser who chose to go self-licensed, he still works directly with clients today, offering independent financial planning advice with care, clarity and practical support.
That belief has shaped Smart Financial from the beginning and still guides the business today. We keep it personal and keep it grounded in what matters for our clients.
