JAPHIA WEALTH ADVISORY
Professional Advice, No Hidden Fees, Real Results
We are a licensed financial planning firm based in Sydney. Expertise. Transparency. No jargon. Just a clear financial plan built around your life goals.
You are earning a good income and you have accumulated some assets. You are working hard, 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
Wealth Management
Financial advice is necessary for wealth creation and wealth preservation. At Japhia Wealth Advisory, wealth management is not a service you sign up for once and forget, it is 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.
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Investment Advice
We provide investment advice on building an asset portfolio to generate long-term wealth and give you financial freedom. We focus on finding suitable investments within your risk tolerance and we will advise you on portfolio diversification and cost effective investing. Such investments may include shares, exchange traded funds (ETFs), managed funds and model portfolios.
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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.
Self Managed Superannuation Funds (SMSF)
An SMSF puts you in direct control of your retirement savings, but with that control comes responsibility. We guide you through the setup, compliance, and ongoing administration of your fund, including investment strategy, trustee obligations, and annual reporting requirements. Whether you are considering an SMSF for the first time or need support managing an existing one, we help you make the most of the flexibility an SMSF offers while keeping you on the right side of the ATO.
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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 and build a transition to retirement strategy if relevant. We can also advise you on tax-efficient ways to build and access your super and other entitlements.
Personal 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 life insurance needs analysis, advise you 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.
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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.
Why Japhia Wealth Advisory Is Different From Other Financial Planners in Sydney
Many of our clients encounter the same problems – big institutions giving them financial advice that feels like a product push instead of a tailored financial plan, or receiving difficult-to-understand advice which complicates, rather than simplifies, their wealth management strategy.
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 accumulate wealth, manage personal risk, maximise tax efficiency, and ensure that their assets are protected and available to support their lifestyle, retirement, or transfer 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.
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.
You have accumulated assets and you want to invest wisely.
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 a busy professional or business owner and you 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 this sounds familiar, speak to us because our goal is to advise individuals and families that are just like yours.
How We Work
Understand
We start by learning your full financial position: income, assets, commitments, goals, and what you want life to look like down the track. Nothing is assumed. This step shapes everything that follows, and it is where most clients tell us they have never been asked the right questions before.
Analyse
We assess your options across investments, superannuation, tax, 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
Every client gets a documented personalised plan. With your consent, we will put the plan into action for you, including liaising with your accountant and lawyer if their input is required.
Ongoing Engagement
To help you stay on track, our Ongoing Services include annual reviews of performance and suitability of your wealth management strategy, updates on regulatory developments, and direct adviser access when your circumstances change.
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 in the finance industry, with experience across financial planning, tax, superannuation and personal insurance. His goal is to provide well-considered, personalised wealth management advice that helps you grow, manage and protect your wealth over the long term.
Nicholas has extensive qualifications in finance and tax and has advised clients ranging from individuals to business owners. His clients value his ability to explain investment, superannuation, retirement planning and insurance options in simple terms and to give them a clear and actionable plan to achieve their financial goals. He is based at Level 24, 100 Miller Street, North Sydney.
Academic QualificationS
Bachelor of Economics (University of Sydney)
Master of Applied Finance and Investments (FINSIA)
Master of Taxation (University of Sydney 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
Chartered Accountants Australia and New Zealand
Certificate of Merit - Taxation
The Infocus Excellence in Professional Standards Award 2024
Winner
Infocus Group
The Taxation Institute of Australia - National Prize
Securities Industry Taxation
FINSIA
The KPMG Tax Prize - NSW
Securities Industry Taxation
FINSIA
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 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
Financial Planning and Wealth Management Services Across Greater Sydney
We provide financial planning and adviser services across Greater Sydney — in person at our North Sydney office or via video call
| North Sydney | Northern Beaches | Chatswood |
| Mosman | St Leonards | Crows Nest |
| Neutral Bay | Wahroonga | Parramatta |
| Wollongong | Eastern Suburbs | Sydney CBD |
Common Questions About Our Financial Planning and wealth management Services
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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 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 wealth management 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 could do. No obligation. No sales pitch.