A financial planner for Newcastle, wherever you are.
A financial planner covering retirement, super, insurance and keeping your tax bill down, for clients across Newcastle, Lake Macquarie and the Hunter. We meet over video. You get exactly the same adviser, the same advice and the same fees as anyone who walks into the office.
How it works if you’re in Newcastle.
Meetings run on Zoom or Teams. You upload documents securely and sign them online. Newcastle and Hunter clients have worked with us this way for years — none of it is new or experimental.
Hours run 8am to 7pm AEST. Useful for clients in Cooks Hill and The Junction catching a call before work, and for shift-pattern clinicians at John Hunter Hospital who can only talk after 6.
You can always just ring — 1300 67 37 37 or 0419 506 560. Most jobs take three conversations: a first call, a session on the strategy, and a walk-through of the written advice.
There is no Newcastle office. The work runs virtually, and has for years.
We work out of Suite 11.18, 401 Docklands Drive, Melbourne. Newcastle clients engage by video and phone. There is no Hunter Street address, no plan to open one, and no postcode restrictions on the advice itself.
Newcastle has increasingly become a Sydney-overflow market. We see that in the files. The advice we deliver does not change shape because the household relocated from the lower North Shore to Merewether, but the cash-flow assumptions usually do.
- Everything over video or the phone.
- We can’t meet you face to face in the Hunter.
- The same adviser, the same advice, the same fees.
What we can help with.
Retirement and transition
Drawdown sequencing, transition-to-retirement strategies, and the final ten working years. The structural work is no different in Newcastle than in Sydney.
Superannuation, accumulation
Fund selection, consolidation of legacy accounts, salary sacrifice and co-contribution. Common need for mid-career Hunter professionals.
Personal risk insurance
Income protection, TPD, trauma, life cover. Business insurance for self-employed clients. Sized to the household, not to a premium target.
Tax-effective investing
Negative gearing, franking credits, ownership structures. Coordinated with the household accountant locally or in Sydney.
Education, aged care, Centrelink
Children's education funding, the cost of aged care, and getting the Centrelink you are entitled to. Federal rules, so they follow you wherever you live.
SMSF strategy alongside
Advice on setting up the fund sits outside this licence. SMSF lending and broader strategy we handle in-house for Hunter trustees.
You get the advice in writing — formally, a Statement of Advice. If it involves managed funds, we start at a $50,000 portfolio.
Who we work with in Newcastle.
Inner Newcastle households in Cooks Hill, Bar Beach, Merewether and The Junction. Many of these files are Sydney expats who moved north in the last five years for lifestyle and price, often carrying a Sydney mortgage tail and a different cash-flow shape than long-term locals. Pre-retirees commonly start with retirement and drawdown work, supported by the broader retirement planning hub.
Lake Macquarie families in Belmont and Warners Bay. Hunter Valley clients across Maitland, Cessnock and the wine-country fringe. Self-employed trades and viticulture income are not unusual on the books.
Sydney loan sizes do not always translate cleanly to Newcastle purchase prices, which means the planning brief often starts with what to do with surplus borrowing capacity rather than how to stretch it. The borrowing capacity calculator is the easiest first read, and specialist files from the John Hunter Hospital catchment are a regular pattern.
Planning, loans and buying a place — all handled here.
Financial planning
What you’re reading. Done over video across the Hunter, and free if we’re also buying your property.
Mortgage broking
50+ lender national panel. Newcastle and Hunter files run through the same panel as Melbourne and Sydney.
Buyer's agent
Through a licensed partner with reach across NSW, including Newcastle, Lake Macquarie and the Hunter.
What people in Newcastle ask first.
Keep reading
- Our financial planning workThe main page — what is included, how it runs, what it costs.
- Newcastle mortgage brokingLoans arranged online, from a panel of 50+ lenders, with Hunter in mind.
- Newcastle buyer's agentInner Newcastle, Lake Macquarie, Hunter Valley.
- Advice for doctors and specialistsWhy a medical income needs a different kind of plan.
- Why clients choose OpesThree things we can do that most firms can't.
Start with a virtual first call.
Half an hour, by phone or video. The same conversation Newcastle clients have been having with us for years.