Capitalise on your full potential with a plan for your financial future

You worked hard to get here.

Now let your money do the heavy lifting.

We get it – you know deep down you could be doing so much more with your money. But every time you think about making a big financial move, the overwhelm sets in.

  • What if you make mistakes?
  • What if you miss out on something better?

It’s safer to just stick to the basics, even if that means your money sits idle.

At Navigate Advisory, our experienced team of experts are here to give you the direction you’ve been missing and the confidence to capitalise on your full potential.

Financial freedom

Financial freedom to say “yes!”

Simplifying complex money matters grants clarity to make decisions that fuel your long-term best.

Clarity to navigate

Clarity to navigate complexity

Regardless of life’s twists, you feel confident you’re making the most of your money and optimising every opportunity.

Confidence in decisions

Confidence in money decisions

When all the pieces of your financial life are aligned and fueling possibilities, you boldly embrace life’s moments.

When your entire financial world makes sense, you gain the power to say “yes!” to bold life choices.

Our financial advice and wealth 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.

How it works

Chat with a Financial Adviser

Let’s start with a 15-minute intro call or virtual chat so we can learn about your situation and see if we’re a good fit to work together.
Step 1

Discovery Meeting

In our initial meeting, we’ll have an open conversation to understand your full financial picture and run through some high level strategies to show you what’s possible.
Step 2

Map and Plan Meeting

See your full financial picture mapped out – income, debt, savings and investments. See your progress towards your goals and the short, medium and long-term impact on your money.
Step 3

Advice and Action

We’ll crunch the numbers and map out an action plan addressing your priorities and ‘what ifs’. You’ll get practical recommendations that make sense for your situation – a financial to-do list to optimise your wealth, along with structures, systems, and products tailored to you. We do the heavy lifting to implement the recommendations of your financial plan.
Step 4

Progress and Adapt

We’ll meet either once or twice a year to review your plan, celebrate wins and course-correct if needed. And we’re a call or email away in between meetings too. We want you to contact our team anytime you’re facing a money decision that impacts your plan and priorities.
Step 5
Years of guiding people just like you taught us that the path forward looks different for everyone. But no matter where you’re heading, we’re here to listen, educate and gently nudge you into action.

Meet our Financial Advisory team

Harry Moustakas

Managing Director, Senior Financial Adviser

Rory D’Agostino

Senior Financial Adviser

Dennis Spiroski

Senior Financial Adviser

Jenna Carey

Senior Financial Adviser

Jonathan Kouloukakis
Jonathan Kouloukakis

Jonathan Kouloukakis

Associate Financial Adviser

Andrew Ioannides
Andrew Ioannides

Andrew Ioannides

Associate Financial Adviser

Stephanie-Lee Alvarenga

Practice Manager

Chaya Skuse
Chaya Skuse

Chaya Skuse

Client Service Team Leader – Financial Planning

Kind words from our clients