FAQs
Financial planning is about helping you make clear, informed decisions about your money so you can achieve your financial objectives. It involves understanding your current financial position, your goals – such as retirement, wealth building, managing tax, protecting your income, or passing wealth to the next generation.
At Nautica Wealth Management, we take the time to understand your life, priorities, and values. As a trusted financial planner in Syndey, we help you identify what’s possible, what needs attention, and what should come first. We then create a practical, personalised plan that brings structure and clarity to your financial decisions, so you can move forward with confidence.
We offer a wide range of services such as retirement planning,investment strategy and portfolio management,risk and insurance planning,superannuation maximisation, budgeting advice and consistent assessment of financial status. Every service guides and supports you to stay on track and manage your finances better.
Our fees are transparent and tailored to the complexity of your situation and the level of advice you need. Depending on your circumstances, this may include an initial planning fee, an ongoing service fee, or a combination of both.
Before we begin, we’ll clearly explain how our fees work and what services they cover. That way, you’ll understand exactly what you’re paying for and why, with no surprises along the way.
Yes. Our advice is always personalised and built around your individual circumstances. We take into account factors such as your income, expenses, assets, liabilities, risk tolerance, and short and long-term goals before recommending any strategies.
This tailored approach is very different from general financial information, which is broad and not designed to reflect your personal situation. Our focus is on advice that is relevant, practical, and aligned with your life and objectives.
There’s no single “right” time to start financial planning, but in most cases, the earlier you begin, the better. Starting early allows you to take advantage of compounding over time and make more considered decisions as your life evolves.
Whether you’re starting your first job, buying a property, growing your family, or approaching retirement, having a clear plan can make a meaningful difference. Many people wait until there’s an urgent issue before seeking advice, but proactive planning often leads to better outcomes and fewer surprises down the track.
We recommend that you review it at least once a year, or sooner in case you have experienced significant life changes like a new job, marriage, children, an inheritance or retirement, in which case your goals and plans should be in alignment with your situation.
In Australia, licensed financial advisers must hold an Australian Financial Services (AFS) licence and be listed on the ASIC Financial Adviser Register. This public register allows you to verify an adviser’s licence status, qualifications, professional memberships, and whether they are authorised to provide personal financial advice.
It’s also worth asking about an adviser’s experience, areas of specialisation, and how they are paid. A qualified, professional adviser should be open and transparent about their credentials, regulatory obligations, and the advice process, and should welcome these questions as part of building trust.
