Financial Adviser Chatswood — Financial Planning and Investment Advice for the North Shore
Japhia Wealth Advisory provides personalised financial planning and advice to clients across Chatswood and Sydney's North Shore. We are based at Level 24, 100 Miller Street, North Sydney — under 15 minutes by train from Chatswood Station — and offer video call appointments for clients who prefer to meet locally. We are an authorised representative of Madison Financial Group (AFSL No. 246679), regulated by ASIC.
Chatswood and the North Shore Have a Particular Financial Character
Chatswood sits at an interesting intersection on Sydney's North Shore. It is a major commercial centre — corporate offices, a significant retail economy, a professional services cluster — sitting adjacent to some of Sydney's most sought-after residential suburbs. The people who live and work here tend to have significant income, significant assets, and financial situations that have grown complex over time.
Among Chatswood and North Shore clients, a few patterns recur. Dual-income households with substantial combined earnings that are not being structured as efficiently as they could be from a tax or investment perspective. Business owners whose personal finances have never been properly separated from or coordinated with the business. Significant superannuation balances — often with multiple funds from different jobs — that have been sitting in default investment options for years. Property wealth that is concentrated in one or two assets without a broader investment strategy around it. And increasingly, clients who have heard about self-managed super funds, want to understand whether one suits them, and want an honest answer rather than a sales pitch.
These are not unusual financial situations. They are common across Chatswood and the surrounding North Shore suburbs, and they are all addressable with the right advice.
On SMSF Advice for Chatswood Clients
Self-managed super funds come up often in conversations with Chatswood and North Shore clients. The interest is understandable: superannuation balances in this part of Sydney tend to be substantial, the desire for control over investments — including direct property — is common, and SMSFs are discussed frequently in professional circles.
What is less commonly understood is that an SMSF is not appropriate for every client who can afford one. The compliance obligations, the fixed costs, the trustee responsibilities, and the investment strategy requirements — these are real considerations that affect whether the control an SMSF provides is worth the cost and complexity it introduces.
At Japhia, we assess SMSF suitability honestly. If an SMSF suits your situation, we say so and we advise on establishment, investment strategy and the transition to pension phase. If it does not, we say so — including telling you directly when an industry or retail fund would serve you better. The assessment is based on your financial position, not on the revenue the engagement would generate. For detailed information on SMSF advice, visit our SMSF Advice page.
Our Services
We provide financial planning advice across the full range of personal financial needs. Click through to each service page for the details on how we approach it.
Who We Help in Chatswood
Professionals and executives working in Chatswood or commuting to the CBD who want financial advice from an adviser accessible to the North Shore
Dual-income households in Chatswood, Willoughby, Artarmon and Lane Cove where combined earnings have created financial complexity that has never been properly addressed
Business owners on the North Shore who need personal financial planning coordinated with their business structure, tax obligations and succession planning
Pre-retirees across the North Shore who want a clear, modelled picture of what their retirement looks like financially before they get there
Clients with significant superannuation balances who want to understand whether an SMSF is appropriate and want a straight answer
Meet Nicholas Wong — Your Chatswood Financial Adviser
He is based at Level 24, 100 Miller Street, North Sydney, and works directly with the North Sydney professionals, families and business owners who make up the majority of his client base. Our clients value the fact that they deal with Nicholas directly at every step — not a paraplanning team or a junior adviser relaying messages. He knows their financial position, he remembers the conversation from six months ago, and he is accessible when circumstances change.
His background spans finance, tax and financial planning across 25 years, and his qualifications reflect that depth.
Academic Qualifications:
Bachelor of Economics (Sydney University)
Master of Applied Finance and Investments (FINSIA)
Master of Taxation (Sydney University Faculty of Law)
Master of Financial Planning (Kaplan Professional)
Professional Qualifications:
Member of Chartered Accountants Australia and New Zealand
Member of the Chartered Institute of Securities and Investment (CISI)
Qualified Tax Relevant Provider as registered by Australian Securities and Investments Commission (ASIC)
What Chatswood Clients Say About Japhia Wealth Advisory
“I would consider myself moderately sophisticated in money matters. Despite that, there will always be gaps in my knowledge and experience. A great financial adviser brings complimentary deep knowledge to enhance understanding and avoid pitfalls. Subtleties in tax and superannuation law can penalize an ill-considered investment or dramatically enhance a good choice. I have found Nick to be a careful and considered financial adviser. He has a wealth of knowledge regarding structures. His communication is first class. He works tirelessly behind the scenes to make things happen. Being time poor, I would have struggled to achieve the milestones we have reached in the time we have reached them.”
P SINGH
“I am an active equities fund manager with over 20 years experience dealing with financial planners. Nobody I have ever met comes close to Nick's skillset, expertise and temperament. Highly recommended.”
J BENDEICH
“I was directed to Nick through a trusted friend and from the first meeting felt completely confident that he would give me uncomplicated, evidence-based advice. Nick took the time to understand my goals, carefully reviewed my options to give me advice I can rely on.”
P WOODRUFF
“My experience with Nick has been outstanding. I’m not the most timely and compliant client but Nick is professional, very knowledgeable and delivers what he promises. Highly recommended.”
T THIRUCHELVAM
Getting to Japhia Wealth Advisory from Chatswood
Our office at Level 24, 100 Miller Street, North Sydney, is a short trip from Chatswood.
Train: Chatswood Station to North Sydney or Victoria Cross — under 15 minutes
Driving: Pacific Highway to North Sydney — Wilson Parking on Berry Street
Video call: Available for all Chatswood and North Shore clients
Common Questions from Chatswood Clients
-
Higher-income earners in Chatswood and the North Shore often benefit most from professional financial advice — because the decisions become more consequential as wealth grows. How your investments are structured for tax. Whether your superannuation is invested appropriately for your age and risk tolerance. Whether your insurance reflects your actual obligations or the ones you had years ago. Whether an SMSF makes sense for your balance and goals. These decisions have compounding consequences that a good income alone does not resolve.
-
We assess suitability first and recommend establishment second — only if the assessment supports it. An SMSF is not appropriate for every client who can afford one. If the costs, compliance obligations and trustee responsibilities are not justified by the control and investment flexibility you would gain, we will tell you that directly. We are not in the business of establishing SMSFs for clients who would be better served by an industry or retail fund.
-
No. We offer video call appointments for all Chatswood and North Shore clients. If you prefer in-person, Chatswood Station to Victoria Cross Metro is under 15 minutes, and our office is a two-minute walk from there.
-
Your accountant manages your tax compliance — what you owe, what you can claim, and what you are required to lodge. A financial advisor manages your financial future — investment strategy, superannuation, retirement planning, insurance and wealth structuring. We coordinate with your accountant rather than working in parallel with them. The two roles address different things and are most effective when they are aligned.
-
The first meeting is approximately 30 minutes and is free of charge. We understand your financial position and goals. You ask us anything about how we work, what advice with Japhia would look like, and what it costs. There is no paperwork and no obligation until you decide to proceed.
Begin Your Journey — Book Your Free Chat with a Chatswood Financial Adviser
Your first conversation costs nothing. We will take the time to understand your financial position and goals, and explain clearly how we can improve them. Honest advice. Written recommendations. Direct access to your adviser. That is what Japhia provides to Chatswood and North Shore clients.
Let's Chat About Your Financial Goals
Level 24/100 Miller Street, North Sydney NSW 2060
+61 2 7202 8382
AFSL: 246679
GENERAL ADVICE WARNING: This information is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. Madison Financial Group Pty Ltd strongly suggests that no person should act specifically on the basis of the information contained herein but should seek appropriate professional advice based upon their own personal circumstances.