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

At Smart Financial, we want to help you establish a plan to live the future you’ve earned. That means, no matter where you may be on your life journey, we can help you clearly envision your hopes and dreams and forge a path to achieve them. Our approachable team helps you to do this by getting to know you, your family, where you’re at today and where you would like to be in the future. We then simplify the complexities of financial issues into everyday language so that you can make informed and educated decisions.

Our experienced team is deeply embedded in the local community so you can know that you’re partnering with someone who shares your values and heritage. We’re also experts in what we do, helping you to manage your cash flow, securing and growing your wealth, protecting your assets, and exploring retirement and aged care options. We’re here for you every step of your financial journey celebrating the highs and supporting you through the lows.

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?

Retirement Planning

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

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

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

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

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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Tax Planning Advice

Tax Planning Advice

We can help you implement tax-effective investments, restructure your mortgage and ensure your wealth can be passed down to future generations with the least amount of taxation imposed.

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Aged Care Advice

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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