Financial Planners in Sutherland Shire: Your Local Wealth Hub

Your financial future begins with local expertise you can trust. Future Point Wealth operates Sutherland Shire’s leading financial planning practice, where our experienced team works with residents across the Shire to build, protect, and grow their wealth. Whether you’re planning for retirement, optimising your superannuation, or navigating major life transitions, we bring decades of combined industry experience and a deep understanding of Shire life to every conversation.

Why Choose Future Point Wealth for Sutherland Shire?

Financial planning is deeply personal. Your circumstances, goals, and values are unique, and they deserve a local adviser who understands the Sutherland Shire community and can work with you face-to-face. Future Point Wealth is based right here in Sutherland, with a team of qualified advisers committed to transparent, long-term partnerships. We listen, we plan thoughtfully, and we’re accountable for the advice we give. Over 80 years of combined industry experience means we’ve guided clients through market cycles, life transitions, and major decisions. We’re not here for a quick transaction. We’re here to be your wealth partner.

Contact our Sutherland Financial Planners Today

As your dedicated financial planning partner in the Sutherland Shire, we are committed to listening, caring, and understanding your financial needs deeply. Reach out to us today to embark on a journey towards financial security and success. Let’s work closely together to shape the tomorrow you envision.

Meet Your Sutherland Team

Our Sutherland office (10/812-814 Old Princes Highway, Sutherland NSW 2232) is home to a dedicated team of financial planners and support professionals who know the Shire and its residents. The same team supports our Wollongong clients.

Services We Provide Locally

As a licensed financial adviser operating under Alliance Wealth Pty Ltd (AFSL 449221), we provide comprehensive wealth strategies tailored to your life stage and goals. You can confirm our authorisation on the ASIC Financial Advisers Register.

Retirement Planning

Retirement Planning is at the heart of what we do. We help you answer the critical questions: How much do you need? How long will it last? How do you balance the Age Pension with investments and superannuation? Our retirement planning service guides you through financial assessment, investment strategy, and the often-overlooked transition into retirement income.

Superannuation Advice

Superannuation Advice ensures your super is working as hard as you did to earn it. A pension account is one of Australia's most tax-effective investment vehicles, and maximising it requires strategy. We help you with contribution planning, fund selection, and the transition into the superannuation pension phase.

Investment Management

Investment Management is about building a portfolio aligned with your risk tolerance and timeframe. We help you diversify, stay disciplined through market cycles, and make informed decisions. Learn more about our investment advice.

Cashflow Management

Cashflow Management means understanding where your money goes and optimising your financial position. Whether you're earning, transitioning between life stages, or managing a complex family situation, our cashflow planning service helps you build a sustainable financial life.

Wealth Protection

Wealth Protection through insurance and risk strategies protects what you've built. We help you assess your exposure and put strategies in place so your family is secure.

Tailored Financial Planning for Sutherland Shire Life

The Sutherland Shire has a distinct demographic and lifestyle. Many residents are building wealth through investment properties, managing complex family situations, and planning for retirement in a high-cost-of-living area. Others are considering downsizing, accessing equity, or navigating the Age Pension and aged care planning as they move into their later years.

Our local expertise means we understand these transitions. We help Shire residents:

Optimise superannuation and tax-effective investment strategies for those in their peak earning years. Plan downsizing and equity-release strategies for those approaching or in retirement. Navigate Age Pension eligibility and integrate government benefits with investment income. Manage Self-Managed Superannuation Funds (SMSFs) for those seeking greater control. Structure wealth transfers and estate planning to protect family legacies. Align financial decisions with life goals, whether that’s travel, family support, or leaving a lasting impact.

Every Shire resident’s financial story is different. Our role is to listen, understand, and create a plan that works for you.

Frequently Asked Questions

What does a financial planner do?

A financial planner helps you create a comprehensive strategy to achieve your financial goals. This typically includes retirement planning, investment advice, superannuation optimisation, cashflow management, and protection strategies. A good planner acts as a partner, reviewing your entire financial picture and making recommendations based on your circumstances, not generic templates. At Future Point Wealth, we focus on understanding your values and priorities first, then building strategies that stand the test of time.

How do I know if I need a financial planner?

If you’re earning a decent income, accumulating assets, approaching retirement, or facing a major life decision (inheritance, redundancy, divorce, business sale), a financial planner can add significant value. You don’t need to be wealthy to benefit. Early planning often has the biggest impact. A simple indicator: if you’re unsure whether your current strategy is optimal or whether you’re making the most of tax opportunities, it’s worth a conversation.

How do you charge for advice?

We use fee-for-service arrangements based on the scope and complexity of your situation. This means you know upfront what you’ll pay, and we’re incentivised to give you transparent, objective advice. We’ll discuss fees during your initial consultation and outline exactly what’s included. We don’t receive commissions based on products you buy, which removes any conflict of interest.

Can I access advice online or do I need to visit Sutherland?

We offer initial consultations at our Sutherland office (10/812-814 Old Princes Highway, Sutherland NSW 2232) and ongoing meetings via phone, video, or in person, depending on what works for you. Most of our clients appreciate the relationship-building that comes from at least one face-to-face meeting. We’re flexible and work around your schedule.

How often should I review my financial plan?

We recommend a formal annual review, especially if your circumstances change (salary increase, inheritance, family change, or major purchase). Markets and legislation also shift, and a good plan evolves. During reviews, we check whether you’re on track, adjust strategies if needed, and ensure your advice remains current and relevant.

How are your advisers qualified and regulated?

Our advisers operate under Alliance Wealth Pty Ltd, holder of Australian Financial Services Licence (AFSL) 449221. You can verify individual adviser registrations on the ASIC Financial Advisers Register, which provides public access to licence and credential information. For more guidance on choosing a financial adviser, see ASIC’s Moneysmart guide to choosing a financial adviser.

What our clients are saying

Andrew has been extremely professional and pleasant to deal with. Andrew is prompt, reliable, honest and knowledgeable, providing quality advice to us for our retirement planning and superannuation investments. Andrew provided us with good comparisons, showed us savings we could make and has guided us in our best options for our money. We would have no hesitation in recommendina Andrew to triends and associates tor advice. money. We would have no hesitation in recommending Andrew to friends and associates for advice.

Pamela

Fairy Meadow

It was the smartest decision and best investment we have ever madel Faced with some serious health and life challendes we were overwhelmed out of our comfort zone It was the smartest decision and best investment we have ever made! Faced with some serious health and life challenges we were overwhelmed, out of our comfort zone and really had no idea how to move ahead. Ciarán and Andrew are men of great integrity and they are trustworthy, professional, honest, knowledgeable and compassionate. Our association with them has changed our lives. They helped us create a retirement strategy and guided us in the implementation. They have given us the confidence and support we needed to make sound financial decisions and meet our financial and family goals.

Stephen

Peakhurst Heights NSW

“I was very anxious and apprehensive about dealing with a financial adviser for the first time. Matthew was extremely supportive and understanding, nothing was too much trouble for him to look into or explain. I can’t recommend him highly enough!”

Ashley

Kembla Grange

“Matthew shows extensive knowledge as my financial adviser. He is always well prepared at meetings and offers me an extensive range of products and offers to suit my needs. He is extremely thorough in his presentation and I always leave with peace of mind knowing that he is managing my finances well.”

Maree

Panania

“We found Andrew to be extremely easy to deal with. He listened to our needs and gave us several options and scenarios and guided us in making decisions about our future. We would absolutely recommend him to our friends and family.”

Karen

Barden Ridge

“Ciaran and the team have been excellent to deal with, extremely professional and knowledgeable in the work they do, always available to answer any questions, guiding individuals in the right direction and 100% care factor of their clients.”

Robert

Sydney

Next Steps

Book an initial consultation with one of our Sutherland-based planners. We’ll spend 30-45 minutes understanding your situation, answering your questions, and exploring whether our service is a fit. There’s no obligation, and no pressure to decide on the day.

Call us on 02 4258 3427 or visit our contact page to arrange a time that suits you.

10/812-814
Old Princes Highway, Sutherland 2232

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Compliance

This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. Before making any financial decision based on this advice, you should consider your personal circumstances and whether this advice is appropriate for you. If you have any doubts, please seek personal financial advice from a qualified adviser.