Financial Planning

Financial Planning on the Northern Beaches

We provide financial planning on the Northern Beaches, helping you structure your super, investments, debt and insurance so your money works harder over time.

Based in Brookvale, we work with clients locally and across Australia to build clear, practical strategies that support their long term financial goals.

Financial planning is not about looking at each decision in isolation. It’s about understanding how each part of your financial life works together over time.

What financial planning means for you

Financial planning is not about products or one off decisions. It’s about how your super, investments, debt and cash flow work together to support your long term goals.

Many people focus on individual decisions, such as choosing an investment or paying down debt. The real value comes from understanding how each of these decisions impacts the bigger picture.

When your strategy is structured properly, each part of your financial position works together to move you forward more efficiently over time.

Have a question? We'd love to hear from you.

(02) 9145 9019

How we help you

We help you bring all parts of your financial position together so they work towards the same outcome.

This includes structuring your super, investments, debt and insurance so each decision supports the next, rather than working against each other.

Our advice typically covers:

Retirement planning, so you understand what your current position is likely to deliver ✔

Superannuation strategy, to maximise long term growth and tax efficiency ✔

Investment strategy, to build wealth in a structured and disciplined way ✔

Debt and cash flow strategy, including approaches such as debt recycling ✔

Insurance and risk protection, to ensure your plan stays on track if something changes ✔

Our approach

Our approach to financial planning is focused on clarity, structure and long term outcomes.

We use modelling and scenario analysis to help you understand what your current position is likely to deliver and how different strategies can improve that outcome.

This allows you to make informed decisions with confidence, rather than relying on assumptions or reacting to short term market movements.

We focus on building strategies that are flexible and can adapt as your circumstances change over time.

Who we work with

We work with clients at different stages of their financial journey, helping them build, grow and transition their wealth over time.

This typically includes:

People in their 30s to 50s who want to structure their finances properly and accelerate wealth creation ✔

Pre-retirees who want clarity around their position and confidence in their retirement plan ✔

Retirees who want to structure their income and ensure their savings last over time ✔

While each situation is different, the common goal is to make better financial decisions and have a clear plan moving forward.

       EXCELLENT  
   Based on 22 reviews 
    
 
 
 
   
 
 
      Posted on Google  
   
   Nathan T 
 60 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I’ve worked with Ryan and his team at Everyday Wealth for over 10 years now, and I can’t recommend him enough. He’s always understood exactly where my family and I are financially and kept the focus on what’s genuinely right for us. What stands out most is how genuine he is, and how excited and invested he is in his clients succeeding and building a better life. That enthusiasm comes through every time he explains something. It’s clear he actually cares, and it reflects the way Everyday Wealth as a whole looks after its clients. Working with Ryan and Everyday Wealth has taken a real weight off my shoulders. I don’t lie awake worrying about my finances or retirement, thanks to the advice he’s given me over the years. I know my family’s long-term future is secure, and that peace of mind is worth everything.
  
 
     Posted on Google  
   
   Graeme K 
 62 days ago
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
     Posted on Google  
   
   Alanna C 
 106 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Ryan and the team at Everyday Wealth have been a godsend for our family. We met Ryan 7 years ago during difficult circumstances and he has helped guide us through life’s changes, in our case starting a family, buying our first home and moving interstate. Ryan understands our goals and his advice has been invaluable. His advice allows us to life a happy and financially secure life, something that wouldn’t have been achievable had we done it on our own. Highly recommend!
  
 
     Posted on Google  
   
   Xavier S 
 115 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I’ve been with Ryan and his team for a number of years. Ryan has always my put my goals first and is strongly committed to helping build me a strong stress free retirement. Highly recommend.
  
 
     Posted on Google  
   
   Kim H 
 116 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Great experience! Ryan and his team have always provided clear, professional advice on my super and investments, taking the time to explain everything in a way that is easy to understand. Highly recommend their friendly and knowledgeable service.
  
 
     Posted on Google  
   
   Jake 
 130 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Ryan & the team at Everyday Wealth could not come recommended highly enough. From when my partner & I engaged their services, they've always been incredibly easy to work with and thorough. They take the time to ensure you understand the more complicated aspects properly before implementing anything & they don't push products on you if your goals don't align. They helped us establish our SMSF properly, ensuring compliance & assisted us with the tricker bits including obtaining adequate insurance policies. Their detailed projection work gives us the peace of mind to make calculated financial decisions knowing where we'll be in X many years.
  
 
     Posted on Google  
   
   Sharon A 
 148 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Ryan and the team always have our best interests at heart.  They conduct themselves with enthusiasm and have always looked after our retirement needs very professionally.  I would highly recommend them to our friends.
  
 
     Posted on Google  
   
   Samuel T 
 154 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I was previously managing my own shares, but because of the higher brokerage fees I would wait until I had saved enough to make each purchase worthwhile. At the time, I thought that was just normal. During our initial consultation, Ryan pointed out that I could actually be missing out on potential gains by doing it that way. Ryan took the time to clearly explain how the platform he uses works, show me examples, and walk me through what the investment portfolio would be invested in. Everything is now much more set-and-forget, with the platform taking care of the buying for me. I also really like the projected performance graphs and the six-monthly catch-ups to review how everything is tracking. Overall, Ryan has made the whole process much easier to understand and manage, and I feel much more confident about my investing moving forward.
  
 
     Posted on Google  
   
   Joanne D 
 180 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Everyday Wealth offers good advice. Delivers a good service. Ryan and his staff are very professional and helpful at all times. There are regular online meetings. When I send an email about anything I am concerned about, my query is addressed promptly, and I am reassured all times. I highly recommend them. Excellent service, above and beyond.
  
 
     Posted on Google  
   
   Kyla M 
 182 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I’ve been working with Ryan O’Grady from Navigate Wealth for several years now, and he has been consistently supportive in managing both my finances and superannuation. Ryan is incredibly easy to work with — clear, knowledgeable, and always willing to take the time to explain things in a way that feels calm and manageable. In an ever-changing financial climate, I genuinely feel confident knowing my financial future is being guided with care and a considered approach. I highly recommend Ryan to anyone looking for trustworthy, long-term financial guidance.
  
 
     Posted on Google  
   
   Tess 
 182 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I have been a client of Everyday Wealth for a few years now and I am very happy with Ryan’s advice.  Ryan  has been clear every time and has tailored my finances to my personal requirements and not  generic for everyone. He explains things properly and answers questions honestly and directly. The bi-annual review meetings are important and it’s good to keep up where you’re at or what you need to do. Ryan is very professional and explains how my finance is going with my best interests first. Thanks to his guidance, I feel far more secure and optimistic about my financial future. I cannot recommend Ryan and his team highly enough.  Very professional and knowledgeable.
  
 
     Posted on Google  
   
   Ashleigh M 
 182 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We’ve had a fantastic experience working with Ryan as our financial advisor over the past 7 years. From the very beginning, he’s been approachable, knowledgeable, and genuinely invested in helping us achieve our financial goals. He takes the time to explain things clearly, making complex topics feel simple and manageable, and always ensures we feel confident in our decisions. Ryan is proactive, responsive, and incredibly thorough. His advice has been practical, tailored to our situation, and focused on long-term success rather than quick wins. We truly appreciate his professionalism and the peace of mind he’s given us. Highly recommend Ryan to anyone looking for a trustworthy and reliable financial advisor!
  
 
     Posted on Google  
   
   John B 
 183 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Informative , friendly & tells you how it is without cutting corners , Highly recommend
  
 
     Posted on Google  
   
   Alan S 
 185 days ago
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
     Posted on Google  
   
   Rob H 
 189 days ago
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
 
  
 
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Start with a conversation

If you’re looking for financial planning on the Northern Beaches, the first step is a simple conversation.

We take the time to understand your current position, talk through what you’re looking to achieve and outline the next steps to help you move forward with clarity.

You can also learn more about how this works through our financial planning process or explore our financial planning resources.

We warmly welcome new clients and our door is always open.

Let us take the stress and hassle out of managing your financial goals so you can focus on the important stuff.