Financial Advisor Northern Beaches — Financial Planning for Northern Beaches Professionals and Families
Japhia Wealth Advisory provides personalised financial planning and advice to clients across the Northern Beaches — from Manly to Palm Beach. We are based at Level 24, 100 Miller Street, North Sydney, accessible via the B-Line bus or Manly Ferry. We also offer video call appointments for clients who prefer to meet from home. We are an authorised representative of Madison Financial Group (AFSL No. 246679), regulated by ASIC.
Financial Advice for Everyone
The Northern Beaches has a particular financial character that is different from other parts of Sydney. Property values are high, lifestyle costs are significant, and a meaningful proportion of residents are self-employed, freelance, or running small businesses — which means income can be variable, employer-paid benefits like sick leave and superannuation guarantees are absent or reduced, and the financial risks of not having the right structures in place are higher than they appear.
At the same time, many families are sitting on substantial property equity that has never been integrated into a broader financial strategy. The family home in Manly or Freshwater that was purchased fifteen years ago has changed the household's net worth dramatically — but that wealth is illiquid and untouched, while superannuation remains in a default fund, insurance has never been reviewed, and the investment portfolio, if it exists, has no documented rationale behind it.
The gap between the wealth Northern Beaches residents have accumulated and the efficiency with which they are managing it is often significant. That gap is where a financial advisor adds the most value — and it is the conversation we have with most new clients from the Northern Beaches from the outset.
The Common Financial Situations We See from Northern Beaches Clients
Self-employed and variable income. Freelancers, contractors, and small business owners across Frenchs Forest, Brookvale and Mona Vale often have lower superannuation balances relative to income because employer contributions were absent or inconsistent in earlier years. Catch-up strategies, personal deductible contributions and SMSF suitability are questions that come up regularly.
Property-heavy balance sheets. Many Northern Beaches clients have the majority of their wealth in one or two properties and limited investment diversification outside of super. Whether to hold, leverage, or diversify — and in what structure — is a decision that requires financial advice rather than intuition.
Insurance that has never kept pace with life. A policy taken out before children, before a mortgage and before the business was established is almost never still adequate. We see this consistently among Northern Beaches clients in their 30s and 40s.
Approaching retirement with a lifestyle to maintain. The Northern Beaches is an expensive place to live, and retirement income planning for clients who want to stay here needs to account for ongoing costs that are above the Sydney average. Getting the super drawdown strategy, Age Pension interaction and investment income structure right matters.
Our Services
We provide financial planning advice across the full range of personal financial needs. Click through to the service pages for detail on how each one works.
Getting to Japhia Wealth Advisory from the Northern Beaches
Our North Sydney office is easier to reach from the Northern Beaches than most clients expect.
B-Line Bus: Direct service from Manly, Dee Why and Mona Vale to Miller Street, North Sydney
Ferry + Metro: Manly Ferry to Circular Quay, then Metro to Victoria Cross
Driving: Military Road to North Sydney — Wilson Parking on Berry Street and McLaren Street
Video call: Available for all Northern Beaches clients — full service, no travel required
Most of our Northern Beaches clients alternate between in-person meetings and video calls depending on what is on that week. Either way, the quality of the advice is the same.
Meet Nicholas Wong — Your Financial Advisor Serving the Northern Beaches
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
Common Questions from Northern Beaches Clients
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Yes, in meaningful ways. Without employer-paid sick leave, workers' compensation or a guaranteed superannuation guarantee from an employer, the financial risk of illness or injury is substantially higher. Your contribution to superannuation requires active decision-making rather than relying on an employer to do it for you. And the tax planning opportunities available to self-employed individuals — particularly around contribution structures — are more varied and often more valuable than those available to PAYG employees.
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Concentrated property wealth is exactly the situation that benefits most from financial advice. The questions around whether to hold or diversify, how to use equity, whether to structure purchases through super or in personal names, and how to plan for a retirement funded partly by property equity and partly by super — these are complex, and the answers depend on your specific financial position. Property is not a financial plan on its own.
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Japhia charges a transparent fee agreed upfront. There are no commissions from fund managers, insurers or product providers. The fee depends on the complexity of your financial position and the scope of work required. We explain the cost clearly before any engagement begins so there are no surprises.
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Yes. Your initial consultation is free of charge and completely obligation-free. We use that time to understand your financial situation and explain how we can help. There is no paperwork and no commitment until you decide to proceed.
Ready to Talk to a Financial Advisor on the Northern Beaches?
Your first conversation with Japhia Wealth Advisory is free. We will assess your financial position, identify where professional advice adds the most value for your specific situation, and explain clearly what working with us looks like. In person at North Sydney or via video call from home — whichever works for you.
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.