We help you design a financial plan to live the future you’ve earned.

Whether you have a clear vision for the future but no idea how to achieve it, or are unsure of what your financial goals even are, Smart Financial can help. We take the time to get to know you, your family, your values, and your hopes for the future so that you can achieve clarity in what you want. We then help you set out on your journey to achieving your goals, helping you every step of the way, through celebratory milestones and arduous challenges.

Our dynamic team is approachable and proactive, offering the best advice possible for your individual situation. We are not aligned with any major financial institution so you can rest assured all our advice is genuine and non-biased.

Smart Financial was established in Shellharbour over 10 years ago and, today, has multiple offices throughout the region. All our advisers are long-term residents, deeply embedded in the local community, and all our clients have direct access to the leaders of the business. Privately owned and not exclusively aligned to any major financial institution, you can rest assured that we are unbiased and act only in your best interest. Wouldn’t you rather partner with someone who shares not only your values, but your local heritage as well?

Our financial planning services


Smart Financial Lending is your local and trusted mortgage broker, offering a range of lending services designed to simplify your property purchase journey.

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Retirement Planning

With our forward-thinking, growth focused retirement advice, you gain the security and confidence that your wealth is protected — enabling you to live the retirement you deserve.

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Investment Advice

Our transparent, ethical investment advice helps you maintain and grow your wealth. We can help you make wise, low-risk investment decisions tailored to your long-term goals and values.

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Superannuation Advice

Smart Financial simplifies superannuation planning. By examining your unique needs, we can tailor a superannuation plan that enables you to live the lifestyle you’ve earned in retirement.

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Insurance Advice

Our diverse, proactive insurance advice can help minimise your risk and ensure that your assets and your family are protected — no matter what life may throw at you.

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Estate Planning Advice

Effective estate planning requires so much more than just a will. Our holistic approach to estate planning gives you complete peace of mind that your family is looked after, should the unthinkable happen.

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Aged Care Advice

Whether you’re investigating aged care for yourself or a loved one, we can help manage your expenses, assets and estate to relieve your stress and ensure your wealth is safe and sound.

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