Financial Adviser Balmain:
Define, Design and Live
Your Great Life

Navigate Advisory
Balmain Financial Planning at a Glance

Who we are

A full-service financial advisory firm bringing your financial world together, so you can make confident decisions and live a great life.

Location

Level 1, 442 Darling Street, Balmain

Who we help

Business owners, medical specialists, executive-level professionals, families and retirees across Sydney’s Inner West.

Approach

Our Great Life Framework puts your life vision at the centre of every financial decision.

Expertise

Certified Financial Planner® led advice with 30+ years of experience in Sydney. Specialist SMSF Adviser. Australian Institute of Company Directors

SERVICES

Integrated Financial Planning, Accounting, Lending, Business Advisory and Property Advisory services.

About Navigate Advisory Balmain Financial Advisers

Navigate Advisory is a full-service financial advisory firm bringing your financial world together, so you can make confident decisions and live a great life.

We’re part of the broader Navigate Advisory team, and that’s what makes us different. We know that money management takes time you don’t have, so our all-in-one team makes building, protecting and sharing your wealth simple. Our financial planning, business advisory, accounting, tax, lending and property buying experts work side-by-side to give you easy-to-understand advice.

That means your financial plan doesn’t sit in isolation. It’s connected to your tax strategy, your lending structure, your business goals and your property portfolio. One team. All working together. All focused on Your Great Life.

Our Balmain office is at Level 1, 442 Darling Street, in the heart of Sydney’s Inner West, with additional Navigate Advisory offices in Brighton-Le-Sands and Hurlstone Park.

Local Knowledge, Real Results

Our advisers combine local insight with national expertise, understanding the property market, business landscape and evolving financial needs of Sydney retirees, professionals, medical specialists and business owners.

Since 1992, Senior Partners at Navigate Advisory have been providing Financial Advice, Business Advice and Accounting Services. Today, they are driven by one simple purpose: to empower people to make financial decisions with confidence and clarity.

Our credentials include:

  • Australian Financial Services Licence (AFSL) holder
  • Certified Financial Planner® (CFP®) led advice
  • SMSF Specialist
  • Australian Institute of Company Directors
  • Registered Tax Agent with the Tax Practitioners Board
  • Member of the Financial Planning Association of Australia (FPA)
  • Qualified and experienced financial advisers
  • Winner of Inner West Local Business Awards – Professional Services Business of the Year
  • Navigate Wealth Advisory Pty Ltd (atf Navigate Wealth Pty Ltd ABN 33 535 319 534) trading as Navigate Advisory, ABN 40 675 611 695 is an authorised representative of Alegra Wealth Pty Ltd ABN 16 676 115 343, Australian Financial Services Licensee, License No. 559898.

Navigate Advisory’s Balmain financial planning office has won Outstanding Professional Services at the 2026 Inner West Local Business Awards
When your entire financial world makes sense, you gain the power to say “yes!” to bold life choices.

Who we help at Navigate Advisory Balmain

You take an active role in shaping your future and want to understand the ‘why’ and ‘how’ of your financial decisions.

We’re the experienced team in your corner, keeping you accountable and making progress happen.

Book A Chat

Business owners

IN THE DRIVER’S SEAT

You’re in the thick of it, juggling your business, family, a mortgage and a lifestyle you’ve worked hard for. You want direction, tax efficiency and a plan to eventually step back on your own terms.

Navigate Advisory Balmain helps business owners across Sydney’s Inner West align their business and personal finances, so everything works together. Tax planning, business structures, cash flow strategy, succession planning, superannuation, lending, property and wealth building. All coordinated by one team.

Executive Level Professionals

Full speed ahead

You have crushed goals climbing the corporate ladder, but you know you could be doing more with your money. We provide the guidance to grow assets beyond your salary, so you gain the freedom to retire early or pivot in a new direction.

Navigate Advisory Balmain helps high-earning professionals across Sydney’s Inner West turn income, bonuses, RSUs and employee share plans into real, lasting wealth.

Medical Specialists, Surgeons and Dentists

MAKING THE HARD WORK COUNT

You’ve done the hard yards to get to the top of your field. Now it’s time for your finances to work as hard as you do. We structure your finances to optimise returns, minimise taxes and protect what you’ve built.

Navigate Advisory Balmain works with medical specialists across Sydney’s Inner West who want a trusted team to make informed financial decisions. Tax structuring to save hundreds of thousands, wealth building strategies, SMSF management, investment property financing, estate protection and retirement planning. All coordinated by one team who understands the financial complexity that comes with high-earning medical careers.

Retirees

SHIFTING GEARS

After decades of building your nest egg, you want to know you have enough. Enough for your lifestyle, your health, and the people you love.

Navigate Advisory Balmain helps self-funded retirees across Sydney’s Inner West gain confidence that their money will support their lifestyle and health needs now and well into the future. Retirement income strategies, aged care guidance, estate planning, investment management and ongoing wealth advice. All from one team. Whether you want to know if you have enough, you’re planning how to help your children and grandchildren, or you need guidance on aged care costs, our advisers give you straight answers in plain language.

Navigate Advisory Balmain Financial Planning Services

Together we’ll envision your ideal life 10 years from now, 3 years out, and 1 year ahead. With a shared vision of your great life, we’ll map practical steps to get you there.

We take a helicopter view of your finances, considering every angle and opportunity to achieve that ideal balance of living fully now and certainty for your financial future.

Navigating Australia’s complex tax system is tricky, but our goal is keeping more hard-earned money in your pocket. We stay on top of the latest strategies to advise you on asset ownership structures that legally reduce your tax burden.

This includes vehicles like family trusts and companies. With the right structures in place, you’ll maximise deductions and pay only what is required – keeping more cash flow for what matters most.

Your super is likely one of your largest investments, so our team will ensure it’s working as hard as possible for your future. We’ll make certain your super is invested appropriately, leverages available tax strategies, and is structured for optimal long-term growth.

Our experienced Financial Advisors can provide tailored investment advice and tax-efficient contribution strategies aimed at maximising the potential of your SMSF.

Debt doesn’t have to weigh you down. We explore strategies like making extra mortgage payments to pay your home off faster, consolidating debts at lower interest rates, and using debt beneficially for investments.

Our aim is reducing your interest costs, paying off debt ahead of schedule, and leveraging debt to build assets. You’ll feel empowered to use debt wisely to accelerate financial progress.

Building a properly diversified portfolio aligned with your goals is key to investment success. We’ll get to know your full financial picture, then make recommendations tailored specifically for you.

This includes selecting a mix of assets across shares, property, fixed income, and more. Together we’ll design a portfolio positioned to generate returns that help you sleep at night while working hard towards your aims.

Life brings unpredictability, so safeguarding what matters most is crucial – your family, business, and lifestyle. We’ll recommend comprehensive insurance solutions tailored just for you. This includes assessing needs around income protection, total permanent disability, trauma insurance, life insurance, and more.

Our goal is ensuring you and loved ones are fully protected no matter what comes your way.

Envision your ideal retirement – are you traveling, spending time with family, or pursuing new hobbies? We’ll help make that vision a reality. Our team will create a roadmap tailored just for you, focused on building the assets, income streams, and plans needed to embrace retirement with financial security.

Retirement should be the best years of life. We’re here to ensure you can retire your way, with complete confidence in your finances.

Receiving an inheritance or transferring wealth to loved ones are emotionally charged events. We’ll guide you through the intricacies with care, respect and savvy tax advice.

Our aim is ensuring assets are handled precisely as you intend, with beneficiaries properly provided for. Money matters often amplify grief – we’re here to ease the burden through compassionate conversations and sound financial guidance.

Is it time to exit your business or bring on new partners? Proper planning is crucial so your life’s work endures and your legacy continues. We’ll ensure your business is structured to facilitate smooth ownership transition when the time is right.

This includes considerations around valuation, tax implications, timing, training successors, and more. With the proper plan, you can transition your business on your terms.

Comprehensive estate planning now means your assets and intentions are handled as you wish later. We’ll help you put in place wills, powers of attorney, trusts, asset ownership structures, and more.

Our goal is ensuring your estate is distributed precisely how you intend with minimal tax impacts. Consider us your partner in proactively planning so your legacy is protected.

We’ll guide you through aged care costs, property implications, structures to protect your estate, and choosing care you can rely on.

Our aim is easing the transition for all involved, so you gain quality support while assets also transfer smoothly to loved ones. We’re here to guide each step with empathy and sound advice.

Meet our Financial Advisory team

Harry Moustakas-Director and Certified Financial Planner-Navigate Advisory

Harry Moustakas

Director and Certified Financial Planner®

Navigate Advisory is led by Harry Moustakas, Director and Senior Financial Planner, a Certified Financial Planner® (CFP®), the highest professional qualification in financial planning.

Harry, an accredited Financial Adviser since 1992 is also an SMSF Specialist and a Member of the Australian Institute of Company Directors (MAICD), bringing over three decades of experience in financial advice, business strategy and governance.

Harry is a trusted adviser to C-suite executives, senior medical professionals, including surgeons, anaesthetists, and dermatologists, and self-employed dentists, while also guiding families through intergenerational wealth transfer and business owners through forward planning, exits, and succession planning.

Dennis Spiroski-Senior Financial Adviser Retirement & Aged Care Specialist-Navigate Advisory

Dennis Spiroski

Senior Financial Adviser
Retirement and Aged Care Specialist

Dennis Spiroski, an accredited financial adviser since 2016 specialises in retirement and aged-care planning. Dennis helps clients across Sydney transition confidently from working life into retirement.

He also supports families navigating aged-care decisions, from structuring assets and managing cash flow to understanding the financial implications of residential care.

Dennis is known for his calm, structured approach and his ability to help clients make clear, informed decisions about their next stage of life.

Jenna Carey-Senior Financial Adviser-Navigate Advisory

Jenna Carey

Senior Financial Adviser

Jenna Carey is a female financial adviser based in Sydney’s Inner-West, known for her approachable, thorough and client-first style.

A university-qualified financial planner since 2018, Jenna specialises in helping women navigating major life transitions, such as divorce, separation, career change or retirement, make clear, confident financial decisions.

Many clients specifically choose to work with a female financial adviser for Jenna’s empathetic communication style and her ability to simplify complex financial concepts.

More about harry moustakis
More about Dennis spiroski
more about jenna carey

What to expect from Navigate Advisory

No mediocrity

Excellence

We hold ourselves to the highest standards and collaborate as a team to get the best outcomes for you.

No jargon

No jargon

Regardless of how simple or intricate your plan is, we’ll break it down for you in straightforward terms.

No cookie cutter

No cookie-cutter advice

Your financial journey is as unique as your fingerprint and so is our advice.

Your why

Your ‘Why’

We look beyond your bank balance to understand what motivates you and what you’re working towards.

Fees are clear

Our fees are clear

Our fees are transparent, and we provide a clear understanding of the value you’ll receive before committing to our services.

Long relationships

Long-term relationships

Our commitment extends beyond one interaction. We build lasting relationships, adapt to your evolving needs, and adjust our strategies accordingly.

Get In Touch with Navigate Advisory Balmain

When your entire financial world makes sense, you gain the power to say ”yes’ to bold life choices. That’s what we help make possible.

Book A Chat

Book a 15-minute introductory phone call

Navigate Advisory Financial Planning is also available from our Brighton-Le-Sands office.

Frequently Asked Questions

Navigate Advisory Financial Planning helps individuals, families and business owners build, protect and share their wealth. Our services include life and financial planning, superannuation strategy, investment management, retirement planning, estate planning, insurance, SMSF strategies and aged care planning.

Our Balmain office is at Level 1, 442 Darling Street, Balmain, near the Gladstone Park end of Darling Street in Sydney’s Inner West. Navigate Advisory Financial Planning is also available from our Brighton-Le-Sands office, with additional Navigate Advisory services in Hurlstone Park.

One team, not a collection of advisers
Financial planning, accounting, business advice, lending and property expertise working together.

30+ years of financial advice experience
Senior advisers with decades of experience helping Sydney clients make important financial decisions.

CFP®-led financial advice
Advice led by a Certified Financial Planner® with specialist SMSF expertise.

Advice built around your life
The Great Life Framework puts what you want from life at the centre of your financial plan.

Local Balmain team
A dedicated office on Darling Street, serving clients across Sydney’s Inner West.

The Great Life Framework is Navigate Advisory’s proprietary approach that puts your life vision at the centre of every financial decision. It works in three stages: Define what Your Great Life looks like, Design the financial structure to make it happen, and Live it with confidence.

We work with business owners, professional executives, medical specialists, property investors, SMSF holders and retirees. Our clients are typically forward-thinking individuals and families who want to understand their financial decisions while having a trusted team execute the plan.

Our financial planners work side-by-side with Navigate Advisory’s accountants, business advisers, lending specialists and property advisers. This single-team approach means your financial plan is always connected to your tax strategy, lending structure, business goals and property investments. Every recommendation considers the full picture.

There’s no single cost for financial advice. Fees depend on the complexity of your financial situation, the scope of advice you need and the level of ongoing support you choose.

At Navigate Advisory, our current Financial Services Guide provides the following fee ranges as a guide:

Initial engagement and advice: $4,400 to $26,400, depending on the complexity and scope of the advice.

Ongoing advice and services: $330 to $3,300 per month, depending on the level of service required.

Your actual fee will be discussed and agreed with you before we proceed. We provide a clear outline of the advice, services, fees and payment arrangements so you can understand what you’re paying for and the value you can expect.

The right question isn’t simply how much a financial adviser costs, but whether the advice is appropriate for your circumstances and provides enough value to justify the fee. At Navigate, we take the time to understand your goals and financial position before recommending a course of action..

We start with a no-obligation Initial Chat to see if we’re the right fit, followed by a Discovery Meeting where we take a closer look at your goals and financial picture.

At that stage, we’ll clearly outline the cost, scope and value of working with us, so you can make an informed decision with confidence. There’s no fee for either the Initial Chat or the Discovery Meeting.

Choosing a financial adviser is about more than finding someone close to home. Look for an experienced, appropriately qualified adviser who understands your financial goals, explains things clearly and can coordinate the different parts of your financial life. Navigate Advisory’s Balmain team brings financial planning together with accounting, business advisory, lending and property expertise, giving clients access to a broader team when they need it.

A Certified Financial Planner® is a financial adviser who has met the highest professional and ethical standards in the financial planning profession. To earn this designation, advisers must complete advanced study, meet strict experience requirements, and commit to ongoing professional development. At Navigate Advisory Balmain, Harry Moustakas is a Certified Financial Planner®, an SMSF Specialist, and a Member of the Australian Institute of Company Directors (MAICD). His leadership means every strategy designed by our team meets the same high professional and ethical standards set by the CFP® designation.

Financial advice looks at your entire financial life, including your income, super, investments, debt, insurance and long-term goals. It’s about creating a clear plan for how all the moving parts work together. Investment advice is just one part of that picture, focusing specifically on where and how to invest your money. At Navigate Advisory Balmain, we combine both, helping clients across Sydney build investment portfolios that fit within a broader financial plan designed for their lifestyle, tax position and future goals.

Running a business often means your personal and business finances are closely linked, and that can make it hard to see the full picture. A good financial adviser helps you step back and bring clarity to both sides: structuring cash flow, managing tax effectively, protecting assets and planning for growth, sale or succession. At Navigate Advisory Balmain, we work with business owners across Sydney and the Inner West to align business and personal goals, build wealth outside the business, plan for retirement or exit with confidence, and create strategies to manage income, tax and investments efficiently.

Medical specialists often have complex financial situations, from high incomes and private practice structures to investment portfolios and superannuation considerations. At Navigate Advisory Balmain, we work with doctors, surgeons, dentists and other medical professionals to structure income effectively, manage tax, protect assets, and plan for long-term wealth creation. Our team helps you balance your professional success with personal financial freedom.

For many C-Suite professionals and high-level executives, the challenge is making the most of their salary, bonuses and options. We help busy professionals turn income into long-term wealth through strategic planning, tax management, and smart investment decisions. Our team also advises on employee share schemes, helping you understand tax implications, manage vesting timelines and convert equity into meaningful long-term wealth. Whether you’re climbing the corporate ladder, planning a career break or considering a new direction, we’ll help you build a plan that creates flexibility and financial freedom.

Once you’ve stopped working, your focus shifts from growing wealth to managing it wisely. We help retirees in Sydney and the Inner West make their savings last, optimise allocated pensions and super strategies, and plan for aged care and estate planning needs. Our goal is to give you confidence that your money will support your lifestyle and health needs for the years ahead.

Yes. We help families navigate the financial side of aged care with clarity and confidence. That includes understanding costs, funding options, asset implications, and Centrelink entitlements. Dennis Spiroski, our retirement and aged care specialist, guides families across Sydney through this transition, making sure every decision is made with both financial and emotional care.