The Navigate Difference

Navigate Financial is a privately owned firm that has advised families and businesses on the Northern Beaches since 1991. We provide comprehensive advice across financial planning, accounting and tax, lending, and investment and insurance advice.

We see the whole picture. So nothing is advised in isolation.

Our Foundations

Everything we do comes back to four foundations that set us apart. Each one has been built deliberately over thirty-five years.

Comprehensive

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, and estate and aged care are all held within one firm. Every discipline works from the same file rather than four separate ones. Your accountant's view of your tax position, your adviser's view of your portfolio and your lender's view of your borrowing come together as one complete picture. That means we never advise on only the part of you we can see, and when your situation calls for it, the right specialist joins the meeting.

Client-led

We're independent for a reason — so you always remain the focus.

We own our licence, so nothing outside this firm has a say in what we recommend. There's no institution upstairs, no product shelf to defend and no approved list to choose from. We look across the full market, every time. You have one principal adviser who knows your situation, with the whole firm working behind them. Every recommendation comes from your complete picture, not from what a product provider permits.

Community-driven

We advise the people who make this place stronger.

We've been a Northern Beaches firm for thirty-five years, and we still meet our clients in person. We back the organisations that hold this community together: Bear Cottage, Local Kind, the Manly Marlins, the Manly Warringah Sea Eagles, Cancer Council, Queenscliff Surf Life Saving Club and the Manly Business Chamber. The people we support and the people we advise are the same people, and we're proud to count many of them as clients.

Enduring

Here for the long horizon.

Our clients stay with us for more than twenty years on average. A relationship that long isn't built on trust alone. It's built on staying a step ahead: planning, reviewing and reassessing your position at every stage of life. A client who joins us today should be able to picture who's looking after them in fifteen years and, increasingly, who's looking after their children.

Our leadership

What The Navigate Difference means to us

Four members of our leadership team on what sets Navigate apart:

At Navigate Financial, we understand that everyone's financial situation is different. That's why we focus on creating personalised plans designed to help you achieve your goals, while giving you the confidence to navigate life's financial decisions.
Your goals are at the heart of everything we do. We take the time to get to know you, and create a strategy that fits your life and your priorities.
Our expert team includes specialists in lending, superannuation, investment, insurance, accounting and SMSF (self-managed super funds). With that range of expertise under one roof, we can offer comprehensive advice across every aspect of your financial life.
We go beyond the basics. From investment strategy to retirement, tax planning and estate advice, we make sure every part of your financial picture works together. That's what has enabled our clients to reach their goals while keeping their finances on a stable footing.
At Navigate Financial, you're more than a client — you're a partner. We build long-term relationships based on trust, transparency and your success.
Let's work together to take the stress out of financial planning, and create a clear, confident path to your future.

Tony BorgCEO & FounderView Profile

We've redefined financial advice through a blend of personalised service and comprehensive expertise. It's what sets us apart in a crowded market, and it's what we offer the families and businesses in our community.
Historically, only the big four banks could offer advice across every part of someone's financial life. At Navigate, we offer the same breadth as an independent firm, with no product shelf to defend. Our commitment to excellence means you receive the highest level of service and expertise.
We focus on understanding your individual needs and building strategies that align with your financial goals. Because everything sits under one roof, you only need to share your information and goals once. From there, we develop a strategy that covers every area of your financial life and makes the best use of your time.
Our advisers, accountants, tax specialists and lenders work together in-house across the full spectrum of services. Where your situation calls for it, we coordinate with your lawyer, buyer's agent and other trusted professionals, so every aspect of your financial life is covered and the path forward is clear.

Helio BrindeiroManaging Director & AdviserView Profile

Here at Navigate Financial, you — the client — are central to everything we do. We take the time to understand your current situation, your needs and what drives you. Our approach is anchored in uncovering where you want to head in life, so we can help set you on that course with the least amount of resistance.
While we offer a wide range of advice services, what we truly offer our clients is the confidence that every aspect of their financial life is being looked after. We remove the complexity, and give them the comfort of knowing they're on track to achieve their goals.

Callan TownsendDirector & AdviserView Profile

Navigate Financial stands apart because of what we mean to our clients. We don't just balance books or introduce investment opportunities; we help our clients navigate their finances with confidence and clarity.
By blending deep expertise with a proactive approach, we provide advice that goes beyond the minimum, unlocking growth opportunities and long-term stability.
Our commitment to personalised service means every client feels valued, understood and equipped to make informed decisions.
With Navigate, it's not just about the numbers. It's about creating value, achieving goals and building futures, with strategies that earn trust and lead to meaningful, measurable results.

Jill YangPartnerView Profile

Start 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.

Get Started

or call 02 9977 2244