Financial advisers
in Penrith
Personal financial advice from advisers based in Penrith, not a call centre somewhere else. Retirement, superannuation, investments, insurance and aged care, for people across Sydney’s western growth corridor and the Blue Mountains foothills.
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Penrith, and the people in it
Our Penrith advisers work with people across Sydney’s western growth corridor and the Blue Mountains foothills, including St Marys, Kingswood, Emu Plains, Glenmore Park, Cranebrook, Jordan Springs, Springwood, Richmond and Windsor.
Penrith is at the centre of the largest growth corridor in the country. New estates, a new airport and an economy built on trades, logistics, construction and health. The typical household here is younger, more heavily mortgaged and further from retirement than in most of the places we work.
That changes the priorities. Insurance comes before investment, because the biggest financial risk to a young family is a working parent who cannot work. Getting the mortgage structured properly matters more than optimising a small super balance. And the super balance still matters, because forty years of small differences is not a small difference.
Your Penrith advisers
Small team, long tenure. You will deal with the same person each time, and they live here.
Selva Kathiresan
Senior Financial Advisor
Hemant Tidke
Senior Financial Advisor
Andrew Kostopoulos
Senior Financial PlannerWhat we help with
Almost nobody arrives needing all five. Most people start with one and find the others matter more than they expected.
Five stages,
not five hundred pages.
The first conversation costs nothing and commits you to nothing. From there it’s a documented process, and you see the reasoning at every step rather than a recommendation landing on your desk.
Evaluation
Discovery
Strategy
Implementation
Review
At the heart of advice is the desire to make people’s lives better. Compassion, support, empowerment. It is rarely ever just about money.
Find us in Penrith
Our Penrith office is open for appointments, and we are happy to meet by phone or video if that is easier, or to come to you if getting in is difficult.
Questions people ask us in Penrith
Why see an adviser in Penrith rather than in the Sydney CBD?
Because you will actually see them. Our Penrith advisers work in the area, know it, and are easy to get to without taking half a day off. The research, technical support and investment resources behind them are the same ones our Sydney office uses, because it is the same firm.
Which areas do you cover from the Penrith office?
Penrith and the surrounding area, including St Marys, Kingswood, Emu Plains, Glenmore Park, Cranebrook, Jordan Springs, Springwood, Richmond and Windsor. If you are further out, we can meet by video or arrange to come to you.
Can I meet by phone or video instead of coming in?
Yes, and plenty of our Penrith clients do. The advice is the same either way. Most people mix the two: an initial meeting in person, then reviews by video.
What does financial advice cost?
Fees depend on how complex your situation is and what you need. We quote in writing before you engage, so you decide with the number in front of you rather than after the fact. The first conversation is free and carries no obligation.
Do I have enough money to need an adviser?
Advice tends to matter most at moments of change rather than at a particular balance. Retiring, selling a business or a property, an inheritance, a redundancy, a separation. If you are facing a decision you cannot easily undo, that is usually the point, whatever the number.
Can you help with Age Pension and Centrelink?
Yes. Working out entitlements, how assets and income are assessed, and how a decision about super or an investment affects what you receive is a routine part of retirement advice.
Are your Penrith advisers qualified?
Yes. All of our advisers meet the education, training and ethical standards required to give personal financial advice in Australia and appear on ASIC's Financial Advisers Register. Individual qualifications are listed on each adviser's profile.
What is a best interests duty?
It is a legal obligation to act in your best interests when giving personal advice, and to put your interests ahead of ours wherever the two could conflict. It is the reason a recommendation has to be documented with the reasoning behind it rather than simply asserted.
Do you also do home loans?
Yes, through our Penrith lending team. Advice and lending sit in the same group, so if you are weighing up a mortgage alongside a retirement or investment decision, both conversations can happen together.
Penrith advice, from people who live here.
Thirty minutes. In our office, at your kitchen table, or by video. No fee, no obligation. You will leave knowing more than when you started, even if you never come back.