Financial Planner North Sydney — Tailored Financial Advice for Every Stage of Your Life
Japhia Wealth Advisory is a North Sydney financial planning firm providing personalised advice to individuals, families and business owners. We are based at Level 24, 100 Miller Street — a two-minute walk from Victoria Cross Metro — and serve clients across Sydney in person and via video call. We are an authorised representative of Madison Financial Group (AFSL No. 246679), regulated by ASIC.
Why North Sydney Clients Choose a Local Financial Planner
There is a particular kind of financial inertia that affects busy professionals. The income is there. The intention to sort out the finances is there. But between the demands of work, family and everything else that fills a week, the financial plan remains something to deal with later. Later accumulates into years. Years accumulate into compounding missed opportunity.
North Sydney has a high concentration of professionals in exactly this position — earning well, building assets, but managing them passively rather than deliberately. The superannuation is wherever it was when they last changed jobs. The insurance has not been reviewed since it was first taken out. The investments, if any, exist without a strategy connecting them to a goal. The cash flow is positive but not directed efficiently.
A financial planner does not change your income. What changes is what your income does from here — how it is structured, what it builds, and how much of it you actually keep after tax. For North Sydney clients who have been deferring that conversation, the most valuable outcome of engaging a financial planner is simply that it stops being deferred.
What a Financial Plan Actually Covers
A financial plan is not a single product recommendation. It is a documented strategy across your complete financial position — how your cash flow is directed, how your investments are structured, how your superannuation is contributing to your long-term retirement outcome, whether your insurance reflects your actual obligations, and whether your assets are held in structures that minimise tax.
Each of these decisions interacts with the others. A superannuation contribution strategy that does not account for your broader tax position misses the point. An investment portfolio that is not coordinated with your super and cash flow creates unnecessary complexity and cost. A financial plan brings these elements together and sequences the decisions correctly.
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.
Who We Help in North Sydney
Financial planning is not a service for one particular life stage. Our North Sydney clients span a wide range — and what connects them is that they want their money managed deliberately rather than by default.
Early-career professionals and new high-income earners who have just entered a bracket where tax planning, superannuation contribution strategy and investment structure start to matter and want to get the foundations right from the beginning.
Mid-career professionals and business owners who have accumulated assets — super, property, investments — without a coherent plan connecting them and who recognise that passive management has a cost that is becoming harder to ignore.
Pre-retirees on the Lower North Shore who want a clear picture of whether their superannuation, investments and assets will support the retirement they are planning and what the gap looks like if they do not.
Families managing a mortgage, children's education costs, superannuation and the competing demands on cash flow who want a plan that sequences each priority correctly rather than leaving everything to best intentions.
Meet Nicholas Wong — Your Financial Planner in North Sydney
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 About Financial Planning in North Sydney
-
Your accountant addresses tax compliance — lodgement, deductions, and obligations for the financial year that has already passed. A financial planner addresses your financial future — investment strategy, superannuation, retirement planning, insurance, ownership structures and the decisions that will determine what your financial position looks like in ten or twenty years. The two roles are complementary. We coordinate with your accountant rather than replacing them.
-
No. While our North Sydney office is a two-minute walk from Victoria Cross Metro and accessible from across Sydney, we offer video call appointments for all clients. The quality of advice and the process are identical regardless of how we meet.
-
In Australia the terms are used interchangeably. Both must hold the same qualifications and meet the same professional conduct standards under the Corporations Act, including operating under an Australian Financial Services Licence. The distinction that matters at Japhia is not the title — it is that you deal with Nicholas directly at every step rather than being managed by a paraplanning team.
-
Yes — and most of our clients arrive without one. The first meeting is used to understand your financial position from scratch. We do not assume any prior engagement with financial planning. Many clients tell us the initial consultation is the first time anyone has asked them the right questions about their financial situation
Ready to Talk to a Financial Planner in North Sydney?
Your first conversation is free. We will assess your current financial position, identify where the most meaningful opportunities lie, and explain what a financial plan with Japhia would look like in practice. No obligation. No sales pitch.
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.