JAPHIA WEALTH ADVISORY
Sydney's Financial Planner and Financial Adviser
We are a fee-for-service financial planning firm in Sydney. No commissions. No jargon. Just a clear plan built around your actual life.
You are earning a good income. You are working hard at your job, but when you look at your finances, something feels off. The money comes in — and somehow it never quite goes where it should. You are not alone, and this is where Japhia Wealth Advisory comes in.
We are the financial planner you can turn to for honest, uncomplicated financial advice, and as your financial adviser in Sydney, we make sure every dollar is doing something purposeful.
Get in touch with us to set up a consultation and find out whether our services are right for you.
Our Financial Planning Services in Sydney
Retirement Planning
Retirement planning is more than a superannuation balance check. We help you understand how much super contribution you need to make to retire comfortably in Sydney, build a transition to retirement strategy if relevant and advise you on tax-efficient ways to build and access your super and other entitlements.
Investment Advice
Ongoing investment advice focuses on building long-term wealth to give you financial freedom. We can help you construct asset portfolios comprising shares, exchange traded funds (ETFs), managed funds and model portfolios and guide you through periods of market volatility. We focus on finding suitable investments within your risk tolerance, portfolio diversification and cost control to achieve long-term wealth.
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wealth creation
Financial advice is necessary for wealth creation and wealth preservation. At Japhia Wealth Advisory, financial advice and wealth management isn't a service you sign up for once and forget, it's an ongoing relationship built on clear advice, documented decisions, and a plan that moves with your life. Our process is straightforward and transparent: we have an initial call to understand your position and objectives, prepare tailored advice, present the advice, implement the agreed actions and review.
superannuation ADVICE
Superannuation is one of the most powerful financial tools available to Australians and one of the most misunderstood. Getting contributions right, choosing the right fund, and understanding the tax consequences can make a significant difference to your retirement. We advise on everything from salary sacrifice to self-managed super funds (SMSFs). Taking control early is one of the best things you can do for your financial future.
insurance Advice
An appropriate level of insurance coverage is necessary for safeguarding your family and your wealth in the event of unexpected life events. We conduct a life insurance needs analysis; advise on income protection, total and permanent disability (TPD), trauma, and critical illness cover; and help you decide whether to hold insurance inside or outside super based on your cash flow and personal circumstances.
Aged Care Financial Planning
Aged care is one of the most complex and emotionally charged areas of personal financial planning. We help families understand aged care fee assessments, compare RAD vs DAP options in plain English, navigate Centrelink, and plan for family home treatment both before and during the aged care transition.
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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.
Tax Planning
Tax implications are relevant for every investment decision – yet they're often underestimated. From super contributions to asset ownership structures, the difference between a tax-aware plan and a generic one compounds significantly over time. Furthermore, we will stay on top of legislative changes and will help you update your financial plan as appropriate.
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Why Japhia Wealth Advisory Is Different From Every Other Financial Planner in Sydney
Nicholas started Japhia Wealth Advisory because he kept seeing the same problems. Clients coming from big institutions who give advice shaped around selling products instead of providing a tailored financial plan. On other occasions, clients who have more money have more complex financial needs, but they struggle to get easy-to-understand advice on their wider range of requirements.
When you work with Japhia, you work directly with Nicholas—not with a junior planner or a call centre. Nicholas has extensive qualifications and experience in finance and tax and has dealt with clients ranging from individuals to business owners to listed companies. Our clients value his specialised expertise in managing multiple facets of their financial situation within a complex market and regulatory environment.
We aim to reduce our clients’ stress so they don’t have to map out their wealth creation path alone. We help our clients identify opportunities to maximise income, structure debt, minimise tax liabilities, and ensure that their assets are protected and efficiently transferred to future generations. Ultimately, financial advice offers peace of mind and confidence, providing a clear roadmap to secure your financial future through personalised guidance. Japhia charges a transparent fee for financial advice. No hidden cost. No generic product shelf. No pressure.
Japhia is based in Level 24, 100 Miller Street, North Sydney. As an authorised representative of Madison Financial Group (AFSL No. 246679), Japhia is regulated by ASIC and authorised to provide financial product advice and deal in financial products.
Do You Feel Like Your Money Could Be Working Harder?
You earn a good income but don’t feel like you are getting ahead fast enough.
Your obligations are increasing – mortgage, kids, change in personal circumstances – you need a long-term plan to keep up.
You are not sure if you are growing your super at the right pace or in a tax-efficient manner.
You are getting close to retirement and worried you do not have enough.
You are busy running a business and never have enough time to look after your own financial health.
You want one person you can trust — someone who is not trying to sell you something to earn a quick fee.
If any of that sounds familiar, you are in the right place. Japhia specialises in advising individuals and families that are exactly like yours.
How We Work
Understand
We start by learning your full financial position: income, commitments, goals, and what you want life to look like down the track. Nothing is assumed. This step shapes everything that follows, and it's where most clients tell us they've never been asked the right questions before.
Analyse
We assess your options across investments, tax, superannuation, asset ownership structures and personal risk management. This is where our insight meets your goals.
Present
We walk you through our recommendations clearly: the rationale, the solution, and the trade-offs. No jargon, no pressure. Just a straightforward conversation about what makes sense for your financial situation and why.
Implement and Review
Every client gets a personalised plan. We will put the plan into action for you and stay involved as your life evolves. Ongoing engagement entails annual reviews, updates on legislative changes, and direct adviser access.
Next Steps
If you want to stay across the big picture as rules and markets change, our Ongoing Services include periodic reviews, legislative updates and coordination with your other professionals.
Meet Nicholas Wong – Your Sydney Financial Planner and Adviser
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. His goal is to provide well-considered, personalised advice to help his clients grow and protect their wealth. He is based at Level 24, 100 Miller Street, North Sydney, and when you call Japhia, he picks up.
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)
Honours and Awards
National Subject Award
Economic and Legal Context for Financial Planning
Kaplan Professional
The KPMG Tax Prize (NSW)
Securities Industry Taxation
FINSIA
The Infocus Excellence in Professional Standards Award 2024
Winner
Infocus Group
The Taxation Institute of Australia National Prize
Securities Industry Taxation
FINSIA
Chartered Accountants Australia and New Zealand
Certificate of Merit - Taxation
What 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 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
FAQs
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Japhia charges a transparent fee for financial advice. The fee depends on the scope of work requested, and we outline it clearly before any work starts so there are no surprises.
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Under Australian laws and regulations, both terms refer to the same licensed professional who provides general or personal financial advice. A financial planner and a financial adviser in Sydney are both required to hold an Australian Financial Services Licence (AFSL) or operate as an authorised representative of one. Japhia is an authorised representative of Madison Financial Group (AFSL No. 246679).
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Check the ASIC licence register; confirm the adviser is fee-for-service; read real Google reviews; and make sure you are working with someone who gives personal financial advice, not just general advice dressed up as a plan. A boutique financial planning firm with a direct adviser relationship can add more value than a large firm with a junior handling your account.
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Yes, Japhia Wealth Advisory is located at Level 24, 100 Miller Street, North Sydney, NSW 2060. We also take appointments online for clients across Australia who prefer video.
Ready to Talk to a Financial Planner and Adviser in Sydney?
A free chat with Nicholas takes about 30 minutes. You tell us where you are at. We tell you what we see and what we would do. No obligation. No sales pitch.
Let’s Chat — book a time that suits you.