Erina

Welcome

Erina sits at the centre of the Central Coast, and our office has grown up alongside it. A large share of the people we advise moved here from Sydney, some for the lifestyle, some because the numbers simply work better on the Coast, and many of them have been with us for twenty or thirty years, moving through career, family and now retirement with the same adviser alongside them.

Today our clients are mostly pre-retirees and retirees, though the book is genuinely mixed: young families priced out of the Sydney market are steadily becoming a bigger part of it. We do not pretend to specialise in one narrow niche. What we do well is help people work out what their money needs to do next, whether that is turning a lifetime of super into a reliable income, sorting out what an inheritance means for an age pension, or building a plan for a family just starting.

What locals tell us they value most is how easy we are to deal with. The office is relaxed, you can actually get hold of your adviser, and if it suits you better, we will come out and see you. That is not how every firm works, and it is a deliberate choice on our part.

Local market notes

The Central Coast has been reshaped by people moving north, and a significant proportion of the clients we see in Erina spent their working lives in Sydney. Selling there and buying on the Coast usually leaves a household with capital it has never had to decide about before, which drives a lot of our conversations: how much to put into super, what it does to the age pension, and how to turn it into an income that lasts.

Most of our clients are retirees or close to it, many of them with Kim or Steven for twenty or thirty years, so we spend more time than most on Centrelink and age pension eligibility, early redundancy and inheritance. An inheritance can push a retiree over an assets threshold and cost them a pension payment they had been budgeting around, and getting in front of that is often where we add the most value.

The mix is shifting, though: younger families priced out of Sydney come to us about mortgage structure, income protection and building super, and we advise self-employed locals and small business owners for whom super is a deliberate decision. Both our advisers are long-term Coast residents and active locally, so we know the suburbs, we know what a move from Sydney actually costs, and we are close enough to come to you.

Address & hours

Shop 12 Erina Plaza
210 Central Coast Highway
Erina NSW 2250
02 4396 4322

Monday to Friday: 8:30am to 5:00pm
Saturday & Sunday: Closed