Financial Planning in Wollongong

Financial Advisor in Wollongong: Your Local Wealth Partner

Your financial future is built on advice you can trust from people who understand your community. Future Point Wealth works with individuals, families, and business owners across Wollongong and the Illawarra to build, protect, and grow their wealth. Whether you are planning for retirement, making the most of your superannuation, or working through a major life change, we bring decades of combined industry experience and a genuine understanding of life on the coast to every conversation.
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Why Choose Future Point Wealth in Wollongong?

Financial planning is personal. Your goals, your family, and your circumstances are unique, and they deserve a financial adviser who takes the time to understand the full picture. Future Point Wealth is committed to transparent, long-term partnerships rather than one-off transactions, and we make ourselves available to clients across Wollongong and the Illawarra in the way that suits them best.

We work on a fee-for-service basis. That means we agree on the scope and the cost of your advice upfront, so you always know what you are paying and why. Our advisers are accountable for the recommendations they make, and we take the time to explain the reasoning behind every strategy in plain language. With decades of combined industry experience, our team has guided clients through market cycles, legislative changes, and the big decisions that shape a financial life. We are here to be your long-term wealth partner in the Illawarra.

How Our Advice Process Works

Good advice follows a clear, considered process. We start by getting to know you, your goals, and your current position at an initial consultation. From there we research and model the strategies best suited to your circumstances, then present our recommendations in a written plan you can take away and consider without pressure. Once you are comfortable, we help you put the plan into action and stay alongside you with regular reviews as markets, legislation, and your own life continue to change. You always know what happens next, and why.

Serving Wollongong and the Illawarra

Wollongong sits at the heart of the region we serve, and we support clients right across the Illawarra with the same commitment to transparency and long-term partnership.

We also help residents and business owners in nearby Figtree and the surrounding suburbs. Our Figtree financial planning page outlines how we support clients in that area.

For clients further south along the coast, our advisers also work with individuals and families throughout the broader Illawarra and South Coast region. This means you get personal, dedicated access to your adviser while benefiting from a broader team, shared expertise, and consistent processes.

Financial Advice for Wollongong and the Illawarra

Future Point Wealth provides financial advice to individuals, families, and business owners throughout Wollongong and the wider Illawarra. Our advisers operate as corporate authorised representatives of Alliance Wealth Pty Ltd, holder of Australian Financial Services Licence (AFSL) 449221, and work on a fee-for-service basis, so the scope and cost of your advice are agreed upfront with no surprises.

Our team brings decades of combined industry experience across retirement, superannuation, investment, cashflow, and wealth protection advice. We are committed to transparent, long-term partnerships, taking the time to understand your goals and explain the reasoning behind every recommendation in plain language. You can confirm our authorisation and check any adviser’s registration on the ASIC Financial Advisers Register. 

Services We Provide Locally

As a corporate authorised representative of Alliance Wealth Pty Ltd (AFSL 449221), we provide comprehensive wealth strategies tailored to your life stage and goals. You can confirm our authorisation and check any adviser’s registration on the ASIC Financial Advisers Register.

Retirement Planning is at the heart of what we do. We help you answer the questions that matter most: how much will you need, how long will it last, and how do you balance the Age Pension with your investments and superannuation? Our retirement planning service guides you through assessment, investment strategy, and the transition into a reliable retirement income.

Superannuation Advice makes sure your super is working as hard as you did to earn it. Super is one of the most tax-effective ways to build wealth in Australia, and getting the most from it takes strategy. We help with contribution planning, fund selection, and the move into the superannuation pension phase.

Investment Management is about building a portfolio matched to your goals, your timeframe, and how you feel about risk. We help you diversify sensibly, stay disciplined through market cycles, and make informed decisions. Learn more about our investment advice.

Cashflow Management means understanding where your money goes and putting it to better use. Whether you are growing your income, managing a mortgage, or navigating a change in circumstances, our cashflow planning service helps you build a sustainable financial position.

Wealth Protection through personal insurance and risk strategies safeguards what you have built. We help you understand your exposure and put cover in place so your family is looked after if life takes an unexpected turn.

Tailored Financial Planning for Wollongong Life

Wollongong and the wider Illawarra have their own rhythm. Many locals are building wealth through property and superannuation while raising a family, managing a mortgage, and balancing the cost of living. Others are approaching retirement and thinking about downsizing, releasing equity, or working out how the Age Pension fits alongside their savings. Business owners, professionals, and those working across the region’s universities and major employers each face their own planning questions.

Our local knowledge means we understand these transitions. We help Illawarra clients make the most of superannuation and tax-effective investment strategies during their peak earning years, plan for downsizing and equity-release as they approach retirement, and work through Age Pension eligibility alongside their investment income. We assist those who want greater control through a Self-Managed Superannuation Fund, and we help families structure wealth transfers and estate planning to protect what matters most. Every client’s story is different, and our role is to listen, understand, and build a plan that works for you.

Contact our Wollongong Financial Planners Today

As your dedicated financial planning partner in Wollongong, 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.

Contact our Wollongong Team

Our Wollongong Team

Meet our team of experts who develop tailormade, fluid financial strategies to protect and grow your wealth on your journey to a secure financial future.

Ciarán Davis

Financial Planner

Matthew Staples

Financial Planner

Kirstienne Enriquez

Practice Manager

What our clients are saying

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

“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

Ciaran is a wealth of knowledge and guidance with managing my super fund. He always has my best interest at heart with the direction, projection and best return on my portfolio. He explains all matters and answers any questions in a relatable manner that I can understand.

Can’t recommend him highly enough, he’s the best.

Tracey

East Gosford, NSW

FAQ

A financial advisor helps you build a clear strategy to reach your financial goals. That usually covers retirement planning, investment advice, superannuation, cashflow management, and personal insurance. A good adviser looks at your whole financial picture and makes recommendations based on your circumstances rather than a generic template. At Future Point Wealth, we start by understanding your goals and priorities, then build strategies designed to stand the test of time.

If you are earning a solid income, building assets, approaching retirement, or facing a major decision such as an inheritance, redundancy, or the sale of a business, a financial adviser can add real value. You do not need to be wealthy to benefit, and early planning often has the biggest impact. A simple test: if you are not sure whether your current approach is the best one, or whether you are making the most of the opportunities available, it is worth a conversation.

We work on a fee-for-service basis. The cost is based on the scope and complexity of your situation, and we agree it with you upfront so there are no surprises. We explain exactly what is included and what you will pay before you commit to anything. You can read more about how advice is priced in ASIC’s Moneysmart guide to financial advice.

We are flexible and work around what suits you, offering meetings by phone, video, or in person across Wollongong and the Illawarra. Many clients value the relationship that comes from meeting face-to-face at least once, and from there we fit in with your schedule.

We recommend a formal review at least once a year, and sooner if your circumstances change through a new job, an inheritance, a family change, or a major purchase. Markets and legislation shift too, so a good plan is reviewed and adjusted over time rather than set and forgotten.

Our advisers operate as corporate authorised representatives of Alliance Wealth Pty Ltd, holder of Australian Financial Services Licence (AFSL) 449221. You can verify any adviser’s registration and credentials on the ASIC Financial Advisers Register. For general guidance on selecting an adviser, see ASIC’s Moneysmart guide to choosing a financial adviser.

Next Steps

Book an initial consultation with a Future Point Wealth adviser. We will spend time understanding your situation, answering your questions, and exploring whether our service is the right fit. There is no obligation and no pressure to decide on the day.

Get in touch through our contact page to arrange a time that suits you.

Contact our Wollongong Team

Compliance

This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.

Financial Planning in Wollongong

Suite 1, Ground Floor,
Enterprise 1 Innovation Campus,
Squires Way, North Wollongong NSW 2500

Call 1800 840 399