Our Sutherland financial advisers work with families, professionals, small business owners, and retirees across the Shire, from Cronulla and Miranda to Engadine and Menai. Whether you are building wealth, planning for retirement, or navigating a significant financial decision, we provide personalised advice tailored to your circumstances.
It is one of three Forest Wealth offices across Greater Sydney, providing residents of the Shire with convenient, face-to-face access to independent financial advice.
Forest Wealth’s Sutherland office is located at Level 5, Suite 5.04, 3-5 Stapleton Ave, Sutherland NSW 2232, in the heart of the Sutherland Shire’s commercial centre, a short walk from Sutherland station.
Financial Planning for the Sutherland Shire
The Sutherland Shire has a distinct financial profile. It is one of Sydney’s most family-oriented regions, high owner-occupier rates, strong community ties, and a large proportion of residents who are either approaching retirement or actively building wealth for the decade ahead.
Many of the clients we see at our Sutherland office are dual-income families who have significant equity in their home but are not sure whether their superannuation and investment strategy is keeping pace with their goals. Others are small business owners, tradespeople, medical professionals, retailers, who need advice that covers both their personal finances and their business structure. And a growing number are retirees and pre-retirees thinking about how to transition smoothly from work to retirement without outliving their savings.
We are independently licensed under AFSL 244252, which means our advice is based on what is right for you, not influenced by commissions, product relationships, or institutional ties.
Financial Planning Services Available in Sutherland
Retirement Planning
Building a personalised retirement income strategy, covering account-based pensions, transition to retirement, Age Pension eligibility, and long-term cashflow planning so your money lasts as long as you need it to.
Superannuation Advice
Reviewing your current super fund, consolidating multiple accounts, maximising contributions before retirement, and aligning your investment strategy to your timeline and risk tolerance.
SMSF Advice
Establishing and managing a self-managed super fund for Sutherland Shire clients who want greater control over their retirement savings, including trustee obligations, investment strategy, and annual compliance.
Investment Management
Tailored investment portfolios built around your financial goals, income needs, and risk tolerance, across shares, managed funds, and cash, with regular reviews to keep your strategy on track.
Insurance Advice
Life insurance, income protection, total and permanent disability (TPD), and trauma cover reviewed objectively, structured inside or outside superannuation based on what is right for your situation.
Aged Care Financial Advice
Helping Sutherland Shire families plan for residential aged care costs, understand the RAD vs DAP decision, and navigate the Centrelink means test with confidence.
Estate Planning
Ensuring your assets are passed on the way you intend, binding death nominations, beneficiary strategy, testamentary trusts, and coordination with your estate planning solicitor.
Centrelink Advice
Maximising your Age Pension entitlements and understanding how your super, investments, and income interact with the Centrelink means test.
Business Financial Planning
Financial planning for self-employed Sutherland Shire residents and small business owners, including business structures, tax minimisation, buy-sell agreements, and succession planning.
Areas We Serve from Sutherland
Our Sutherland office serves clients across the full breadth of the Sutherland Shire and surrounding areas:
Sutherland Shire: Sutherland, Cronulla, Miranda, Caringbah, Gymea, Kirrawee, Jannali, Loftus, Engadine, Heathcote, Menai, Bangor, Woronora
South Sydney: Hurstville, Kogarah, Rockdale, Beverly Hills, Penshurst
Illawarra Corridor: Waterfall, Helensburgh
For clients based in the north, our Chatswood office and Hornsby office are also available, and we are happy to meet by phone or video call for clients anywhere in Australia.
Meet Sarah Broady. Your Sutherland Financial Advisor.
Sarah Broady is the lead financial adviser at Forest Wealth’s Sutherland office. A Certified Financial Planner (CFP) and member of the Financial Advice Association Australia (FAAA), Sarah brings over 25 years of financial planning experience to her clients across the Sutherland Shire.
Sarah specialises in retirement planning, aged care advice, and estate planning, areas where her personal experience is as valuable as her professional credentials. She is currently navigating her own parents’ aged care journey, giving her real, hands-on insight into the decisions families face. Her approach focuses on removing jargon and simplifying complex financial situations so clients can understand and act with confidence.
Sarah is an authorised representative (AR 282197) of Millennium3 Financial Services Pty Ltd (AFSL 244252) and is registered on the ASIC Financial Adviser Register.
Read Sarah Broady’s full profile
Forest Wealth was named 2025 Advice Practice of the Year.
What Our Clients Say
“Forest Wealth provided the exact services that I was looking for all in the one place. Emma has the knowledge and experience, which allows me to feel confident and relaxed, ensuring my superannuation continues to support me for many, many years.”
— Ruth B.
“My journey from work life and home ownership to retirement has been advised and managed by Sam Ryma for the last 15 years. He has been my shepherd and guide and I now consider him to be a friend.”
— Ross B.
Book a Meeting at Our Sutherland Office
We offer a free initial consultation with no obligation. Come and see us in person at Level 5, Suite 5.04, 3-5 Stapleton Ave, Sutherland, a short walk from Sutherland station.
Sutherland Office
Level 5, Suite 5.04
3-5 Stapleton Avenue
Sutherland NSW 2232
Phone: 1800 31 41 51
Email: support@forestwealth.com.au
Hours: Monday to Friday, 9am – 5pm | Saturday by appointment
Forest Wealth Pty Ltd (CAR 1285537) is an authorised representative of Millennium3 Financial Services Pty Ltd (ABN 61 094 529 987, AFSL 244252). The information on this page is general in nature and does not constitute personal financial advice.
