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

If you want to achieve financial freedom or generally reduce your financial stress, Smart Financial can help you. We get to know you personally – your family, your values, your hopes and goals – and help you to pave a path to achieve your dreams. We are with you every step of the way, helping you to overcome any curveballs life might throw at you. We’re experts in what we do but are still approachable and proactive, simplifying the complex into everyday language so that you feel empowered to take control and have autonomy over your finances.

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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