Knowledge compounds
Comprehensive wealth, comprehensive understanding.
At Navigate Financial, we are dedicated to providing expert financial guidance to individuals, families, and businesses in the Northern Beaches.
Every part of your wealth is connected.
So is every part of our advice.
Financial planning. Accounting and tax. Lending. Investment and insurance. Superannuation and SMSF. Estate and aged care. At Navigate Financial we hold all of them — not as a list of services, but as one complete view of your financial life, held by the people advising on it.
We see the whole picture. So nothing is advised in isolation.
Our expertise
How we can help you.
Whether you’re building your finances or enjoying retirement, we provide expert advice to ensure a clear path to financial freedom.
What our clients say
Don’t take our
word for it
With an average client relationship of over 20 years — our success is measured by the happiness of our clients.
My investments are going very well. I get informed and have really good communications from Navigate.
Navigate made setting up a Self managed Super Fund seamless and they have been very attentive, I am happy.
Our people
35 years of accumulated knowledge
We've advised through the GFC, through crashes and booms, and right now through today's global turbulence. Thirty-five years of accumulated judgement, grown the way our clients' wealth has grown — deliberately, and for the long term.
Meet the team
Life Stages
Every stage of life impacts every part of your finances.
The decisions that shape each stage of life rarely sit inside one part of your finances. Buying a home, selling a business or stepping back from work each touch tax, lending, investment and structure at the same time. That's why we advise across all of them.
New Family
Buying a home | Building wealth
Borrowing for the right home, protecting the income that repays it, and putting what's left to work for your family's future.
Business Owners
Growing your business | Building wealth beyond it
Managing the tax and financial health of the business, while turning its success into wealth you hold personally.
Services:AccountingBusiness taxBusiness advisoryAsset finance
Transition to Retirement
Preparing to step back | Downsizing
Consolidating your wealth, making sure your super is ready, and deciding what the family home should become.
Services:SuperannuationInvestmentRetirement planningTaxLending
Retirement
Turning savings into income | Planning your estate
A reliable income that protects your capital, and a clear plan for what happens next, including aged care.
Services:SuperannuationWealth managementEstate planningAged care
Get to know us
Trusted by more than 450 clients
And rated five stars on Google by the clients who've shared their experience.
Ioanita GentlesJanuary 2026Thank you Declan and Tony for taking great care of my superannuation for many years now. They are professional, knowledgeable and genuine. I feel in very safe hands.
Tanya StanfordDecember 2025We were recommended Navigate Financial by a family member, and our experience with them has been nothing short of reassuring as we approach retirement age. Declan and Tony are prompt communicators to answer our questions we have, and their professional and approachable manner makes every interaction a positive one. Their guidance has given us confidence in our financial journey, and we truly appreciate the care and expertise they bring. Highly recommended for anyone seeking trusted financial advice.
Denise SykesNovember 2025Navigate Financial I have used them for years and I am more than satisfied. Declan Wright is the one who looks after me and I couldn’t wish for a better financial adviser who really knows his job
Cameron ThomasNovember 2025Helio, Declan, Ravi and the team have helped me and my partner immensely setting up a plan for us and clearly explaining everything along the way in as simple terms as required. Thank you guys!
Tracey CrokeOctober 2025I chose Navigate Financial because they came through a good ol’ word-of-mouth recommendation from a friend. Further, it’s a Sydney/NSW based company with responsive people you can (within reason and biz hours) pick up the phone and have a chat with. I engaged Navigate to manage my Super and tax returns. Tony Borg and Jill Yang do a topnotch job of looking after those so I can have more stress free time playing out on my bike.
Fan WuSeptember 2025I’ve been using them for years, always had a great experience with Navigate Financial. The team is highly professional and incredibly efficient, especially Jill, quite impressed by her expertise and experience in the business domain. everything gets done smoothly without me having to chase things up. Jill explains the details clearly and gives me confidence that we are in good hands. It’s rare to find advisers who combine expertise with such friendly service.
Ian BrandonSeptember 2025I've been very satisfied with Navigate Financial's services over the past 6 years. Sonia, Declan, and Tony understood my financial goals and provided clear, tailored advice on budgeting, investing, and retirement planning. Their expert guidance on superannuation and pension options gave me confidence to retire 4 years ago, and Declan and Tony's ongoing support has kept my plans on track. I strongly recommend their reliable financial advice.
Emma BullSeptember 2025Helio, Sagar & Jill have been excellent in supporting me to transfer savings over from the UK and re-investing in Australia. They provided strategic guidance relating to complex situations, and liaised with external POCs to help identify the most tax efficient option. Definitely recommend
Hazel JiaSeptember 2025A big thank you to Jill Yang for resolving my Land Tax Assessment issue. When I was issued an incorrect notice by Revenue NSW, Jill treated it as urgent, applied her deep technical knowledge, and handled the entire reassessment from start to finish. Her communication was clear, her turnaround was fast, and the outcome was excellent. Five stars—would give more if I could.
We're independent for a reason — so you always remain the focus.
Our recommendations aren't shaped by what a parent company permits. They come from your complete picture — which is why they feel considered, and why they're easier to follow.
Our advice process
Our Advice Process
Most people come to us looking for help on one thing or perhaps a change in circumstance — a mortgage, a tax question, a decision about their super. We start wherever you are, and take the time to understand how that decision sits within everything else.
01Goal discovery
We begin with where you’re heading rather than what you hold. This first conversation is about understanding what you’re working towards, what you’re weighing up, and what’s making the decision difficult.
Get started02Solutions and costs
We set out what we’d recommend and what it will cost before any work begins, so the scope and the fee are clear from the outset.
Get started03Strategy development
This is where the disciplines meet. Your adviser, accountant and lending specialist work from the same picture of your position, so the strategy accounts for tax, structure and borrowing rather than only the part you came to us about.
Get started04Plan presentation
We take you through the strategy in full, including the reasoning behind it. You should finish understanding not just what we’ve recommended, but why, and what it depends on.
Get started05Plan implementation
We carry out the work. Where most firms hand over a plan and a list of people to call, we implement across every discipline the strategy touches.
Get started06Ongoing review
Your position changes as your life does. We review it regularly, and because everything sits in one place, a change in one area is reflected across the rest without you having to tell us twice.
Get startedFinancial Advisers Northern Beaches
At Navigate Financial, we are dedicated to providing expert financial guidance to individuals, families, and businesses in the Northern Beaches. Making sound financial decisions is crucial for securing your future, and our team of highly experienced financial advisers in the Northern Beaches is here to help you achieve your personal and financial goals. Whether you are planning for retirement, building your wealth, or navigating complex financial decisions, we offer solutions designed to give you the confidence you need in your financial future.
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Comprehensive Financial Planning Services in the Northern Beaches
We offer a broad range of financial planning services in the Northern Beaches designed to meet the diverse needs of our clients. Our services cover all aspects of financial planning, ensuring that you have a comprehensive strategy in place for both the short and long term. From retirement and superannuation advice to wealth creation and risk management, we provide solutions that are built to adapt to the various stages of your financial life. Whether you are focused on retirement, investment growth, or wealth protection, our strategies are designed to be flexible and adaptable as your financial situation evolves.
Retirement Planning and Superannuation Advice
Planning for retirement can be complex, but with the right guidance, it can also be a smooth and rewarding process. At Navigate Financial, we help clients prepare for a comfortable and secure retirement through detailed planning and expert superannuation advice.
Our financial planner in the Northern Beaches takes the time to understand your retirement goals and works with you to ensure that your superannuation is optimised to meet those goals. Whether you are approaching retirement or just starting to plan, our team will help you make informed decisions about your superannuation, ensuring that your retirement savings work hard for you.
Investment Strategies Tailored to Your Goals
Investing is a powerful tool for building wealth, but without the right strategy, it can also involve risks. At Navigate Financial, we provide investment strategies that are according to your individual goals and financial situation. Whether you are looking to grow your wealth aggressively or prefer a more conservative approach, our team of experts will develop a personalised strategy that aligns with your risk tolerance and financial objectives
As experts in financial planning in the Northern Beaches, we carefully analyse market conditions and investment opportunities to create strategies that aim to deliver long-term growth while managing risk. We believe that a diversified investment portfolio is key to achieving consistent returns, and we work with you to ensure that your portfolio is balanced to meet your specific needs.
Wealth Creation and Management
We recognise that building and preserving wealth is a key concern for many of our clients. Our wealth creation and management services are designed to help you grow your assets while ensuring that your financial future remains secure. Our team offers expert advice on strategies for building wealth through investments, savings, and other financial instruments.
Our wealth management services include a detailed review of your financial situation, followed by the implementation of a plan that is designed to maximise your wealth-building potential. We take into account your current assets, income, and financial goals to create a strategy that will help you achieve your long-term objectives.
Insurance and Risk Management Solutions
Managing risk is an essential component of any financial plan. At Navigate Financial, we provide a range of insurance and risk management solutions that are designed to protect your wealth and ensure that your financial future remains secure. We know that unexpected events can have a significant impact on your financial situation, and we work with you to develop strategies that mitigate these risks.
Our risk management services include personalised insurance solutions that cover life, income protection, and critical illness insurance. By assessing your individual risk profile, we help you choose the right insurance products that provide the protection you need at every stage of life.
Why Choose Navigate Financial as Your Financial Adviser in the Northern Beaches
When it comes to choosing a financial consultant in the Northern Beaches, it is essential to select a firm that offers a combination of experience, expertise, and a client-focused approach. At Navigate Financial, we are proud to offer a personalised service that puts your financial well-being at the centre of everything we do. Our team of advisers brings decades of experience to the table, ensuring that you receive expert advice according to your unique circumstances.
Experienced & Top Financial Advisers in the Northern Beaches
Our team is composed of some of the top financial advisers in the Northern Beaches. We bring a wealth of experience and knowledge to every client interaction, ensuring that you receive the highest level of service and expertise. Our advisers have a proven track record of success in helping clients achieve their financial goals, and we are dedicated to maintaining the highest standards of professionalism in all that we do.
Personalised Financial Consulting Services
We offer personalised financial consulting services that are designed to meet the specific needs of each client. Whether you are planning for retirement, managing your wealth, or looking to protect your assets, we provide specific advice that is aligned with your financial objectives. Our personalised approach ensures that you receive advice that is relevant to your unique situation.
Client-Focused Approach with Proven Results
Our client-focused approach is at the heart of everything we do. We believe that every client deserves personalised attention and targeted solutions that meet their specific needs. This approach has delivered proven results, with many of our clients achieving their financial goals through our comprehensive planning and advice.
Transparent and Ethical Financial Planning
We are committed to providing transparent and ethical financial planning services. We believe that trust is the foundation of any successful financial planning relationship, and we work hard to earn and maintain that trust by being open and honest in all our dealings.
Our Financial Planning Process
We follow a clear and structured process to ensure that your financial plan is designed and implemented effectively. Our process is based on understanding your financial goals, developing a customised plan, and providing ongoing support to ensure that your plan remains on track.
Understanding Your Financial Goals
The first step in our process is to gain a clear understanding of your financial goals. We take the time to get to know you and your unique circumstances, so we can develop a plan that is aligned with your needs and aspirations. Whether your goal is to retire comfortably, grow your investments, or protect your wealth, we will work with you to create a strategy that matches you.
Developing a Customised Financial Plan
Once we have a clear understanding of your goals, we will develop a customised financial plan that is designed to help you achieve them. Our financial plans are flexible, allowing us to adjust them as your circumstances change. This ensures that you remain on track to achieve your financial goals, regardless of life’s uncertainties.
Implementing Strategies for Financial Growth
After your plan has been developed, we will move forward with implementing the strategies for financial growth. Whether this involves investments, insurance, or other financial instruments, our team will ensure that your plan is executed in a way that maximises your potential for success.
Ongoing Support and Plan Adjustments
We provide ongoing support and plan adjustments to ensure that your financial plan continues to meet your needs. As your life circumstances change, we will work with you to update your plan, making sure that it remains aligned with your financial goals.
Contact Us for Top Financial Planning Services in the Northern Beaches
If you are looking for expert financial advice, contact Navigate Financial today. Our best financial advisers in the Northern Beaches are ready to help you with all your financial planning needs. We offer comprehensive services that are according to your individual circumstances, ensuring that you receive the advice and support you need to secure your financial future.
From the blog
News & Insights.
Investment Property vs Growing Your Super: Which Builds Wealth Faster for Northern Beaches Couples?
For many Northern Beaches couples in their peak earning years, the next major wealth decision is not about earning more. It is about deciding where the next dollar goes.
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Income Protection Insurance: What Young Professionals Should Know
A mortgage payment does not stop when you are sick. Neither do childcare costs, groceries, utilities or many of the other expenses built into everyday life. For professionals in their 30s and 40s, income protection insurance Australia is worth reviewing.
Read moreStart wherever you need us
Whether you have a single question or want to look at the whole picture, the first conversation is the same. Tell us what you’re weighing up, and we’ll tell you how we’d approach it. Book your comprehensive financial review today.
or call 02 9977 2244