Wealth Management — A holistic Plan for sustainable wealth
Japhia Wealth Advisory is based at Level 24, 100 Miller Street, North Sydney — a two-minute walk from Victoria Cross Metro. We provide personalised financial planning to professionals, families and business owners across the North Sydney CBD and Lower North Shore. We are an authorised representative of Madison Financial Group (AFSL No. 246679), regulated by ASIC.
Financial Planning in the Heart of the North Sydney CBD
North Sydney is one of Australia's most concentrated professional districts. The Miller Street corridor is home to corporate headquarters, financial services firms, law practices and consulting groups — and the people who work in them are, almost by definition, high earners who are too busy to properly manage their own financial position.
That dynamic is not unique to North Sydney, but it is particularly pronounced here. The professionals who arrive at our office have often spent years building income and accumulating superannuation, property and investments without a coherent strategy connecting them. They know they should have a financial plan. They have just never had the time or the right access point to get one.
That is exactly what Japhia is for. Being at Level 24, 100 Miller Street means a client can walk from their office to ours in five minutes, have a proper financial conversation before lunch, and return to their desk. No cross-city travel. No half-day commitment. The accessibility is not incidental — it is the point.
The Financial Situations We See Most in North Sydney
Every client is different, but certain patterns emerge among North Sydney professionals. You may recognise your own situation here.
You are earning well — comfortably into six figures — but you have never properly reviewed how your superannuation is invested, whether the fund you are in is costing you unnecessarily, or whether your contribution strategy is as tax-effective as it could be. You have never looked at it because nothing has gone visibly wrong, but passive management has a cost that compounds quietly over years.
You have a mortgage, possibly investment properties, and equity that has grown significantly. The properties have never been integrated into a broader investment strategy. You are not sure whether to pay down debt faster, invest elsewhere, or restructure ownership. Each decision exists in isolation.
You have insurance — probably inside your super — that you have never reviewed since you first joined the fund. You are not confident it is sufficient, but reviewing it feels complicated, so it stays unchanged.
You have a sense that your income should be working harder than it is. You are right.
These are solvable problems. They require a conversation, a clear assessment, and a documented plan. That is what we provide.
Our Services
We provide financial planning advice across the full range of personal financial needs. Each service page goes into detail on what is involved and how we approach it.
Advisor Profile
Meet Nicholas Wong – principal, japhia wealth advisory
Nicholas Wong is an authorised representative of Madison Financial Group (AFSL No. 246679). Nicholas has spent over 25 years working across finance and financial planning, including wealth management, investment advice, superannuation, retirement planning and personal insurance.
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 North Sydney 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 advisor 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 advisor. 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
Address: Level 24, 100 Miller Street, North Sydney NSW 2060
Metro: Victoria Cross Station — 2 min walk
Train: North Sydney Station — 5 min walk
Bus: Multiple routes along Miller Street and Pacific Highway
Parking: Wilson Parking on Berry Street and McLaren Street
Video call: Available for all clients who prefer to meet from their own office or home
Also Serving Clients Across the Lower North Shore
| North Sydney | Crows Nest | St Leonards |
| Neutral Bay | Mosman | Kirribilli |
| Waverton | Wollstonecraft | Cammeray |
| Chatswood | Northern Beaches | Sydney CBD |
Common Questions from North Sydney Clients
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Yes. Appointments are available at times that work around a standard working day. Because we are in the same building precinct as many of our North Sydney clients, a before-work, lunchtime or end-of-day meeting is straightforward. We also offer video call options for clients with less predictable schedules.
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An online platform can execute transactions. It cannot assess your complete financial position, identify the gaps between what you have and what you need, and build a documented strategy that addresses all of them. It also cannot tell you when something has changed — in your life or in the legislation — that requires your plan to be updated. That ongoing, personalised advice is what a financial advisor provides and what a platform cannot replicate.
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No. Some clients come to us with one specific question — whether their superannuation fund is appropriate, whether to take out income protection, whether to set up an SMSF. We can address a specific question as a standalone engagement. If a broader financial plan would serve you better, we will say so — but we will not insist on a comprehensive engagement when a targeted one is all you need.
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The first meeting is approximately 30 minutes and is free of charge. We learn about your financial position and what you are trying to achieve. You ask us anything you want about how we work, what we charge, and what to expect. There is no paperwork and no obligation until you decide you want to proceed.
Ready to Talk to a Financial Advisor in North Sydney?
Your first conversation with Japhia Wealth Advisory is free and obligation-free. If you are working in North Sydney or living on the Lower North Shore, you are a short walk from an adviser who will deal with you directly, advise you in writing, and remain your first point of contact as your financial situation evolves.
Talk to Your Local Financial Advisor Today
Japhia Wealth Advisory
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.