What financial advice services does Forest Wealth offer?
Wealth advisers in Sydney
Forest Wealth is a Sydney-based financial advice practice providing comprehensive financial planning across superannuation, retirement, insurance, investments, and estate planning.
The firm employs 11 qualified financial advisers across three offices in Chatswood, Hornsby, and Sutherland, and was named 2025 Advice Practice of the Year.
Financial planning services
Comprehensive financial advice
A full review of your financial position covering income, expenses, assets, liabilities, superannuation, insurance, and long-term goals. Delivered via a written Statement of Advice (SOA) that outlines every recommendation and its rationale before any action is taken.
Superannuation and SMSF advice
Strategy across all fund types including industry funds, retail funds, corporate funds, wrap platforms, and self-managed super funds (SMSFs). Advice covers contribution strategies, investment selection, fund consolidation, and tax-effective structuring. Superannuation contributions are taxed at 15%, compared to personal income tax rates of up to 47%.
Retirement and pension planning
Building a retirement income strategy that draws on superannuation, account-based pensions, annuities, the Age Pension, and other income sources. Forest Wealth models each client’s projected income against their retirement lifestyle goals and adjusts for Centrelink eligibility and tax efficiency.
Cashflow management advice
Structuring income and expenses to reduce debt, build savings, and direct surplus funds toward superannuation or investments. Cashflow planning is integrated into all comprehensive advice engagements.
Insurance advice
Assessment of life insurance, total and permanent disability (TPD), trauma, and income protection cover. Advice covers appropriate coverage levels, fund-held versus retail policies, and premium affordability, with ongoing support through any claims process.
Centrelink advice
Eligibility assessment for the Age Pension and other Centrelink benefits, including income and assets test modelling, deeming rate implications, and structuring strategies to maximise entitlements. Centrelink advice is provided as part of a broader retirement strategy, not in isolation.
Investment advice and strategy
Portfolio construction across Australian and global equities, property, infrastructure, fixed income, alternatives, and cash. Investment recommendations are guided by a quarterly Investment Committee in partnership with Evidentia Group, drawing on Lonsec Investment Solutions and Implemented Portfolios.
Estate planning advice
Coordinating wills, trusts, binding death benefit nominations, powers of attorney, and beneficiary structures to ensure assets are distributed according to your wishes with minimal tax liability. Forest Wealth works alongside solicitors for legal documentation.
Aged care advice
Financial guidance for clients transitioning to home care or residential aged care, covering accommodation payment options, fee structures, Age Pension impact, and family home decisions. Forest Wealth holds Aged Care Steps Accredited Aged Care Professional status.
| Investment Type | What It Is | Best Suits |
|---|---|---|
| Industry Super Funds | Member-owned funds run by unions and employers | Employees wanting low fees and simple structure |
| Self-Managed Super (SMSF) | Private fund with up to 6 members, trustee-controlled | Balances above $200,000, investors wanting control |
| Wrap Accounts | Platform holding multiple investments under one account | Clients wanting consolidated reporting and flexibility |
| Retail Super Funds | Funds offered by banks and financial institutions | Clients wanting broad investment choice |
| Managed Funds | Pooled investment vehicles managed by a fund manager | Diversified exposure without direct share ownership |
| Direct Equities (ASX Shares) | Ownership of shares in individual ASX-listed companies | Growth-focused investors with higher risk tolerance |
| Exchange Traded Funds (ETFs) | Index-tracking funds traded on the ASX | Cost-effective diversification across markets |
| Annuities | Guaranteed income stream for a fixed term or lifetime | Retirees prioritising income certainty over growth |
| Cash-Based Products | Term deposits and high-interest accounts | Capital preservation and low-risk allocation |
Investment recommendations are based on your financial goals, risk profile, investment timeframe, and tax structure. Forest Wealth does not favour any single investment type or fund provider.
About Millennium3
The majority of financial advisers need support from a bigger company and we rely on specialists for in-depth investment analysis.
Keeping up to date with regulation and legislation, and ensuring our advice is as current and as inclusive as it can be, we use a team of technical experts.
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Millennium3 Financial Services Pty Ltd – ABN 61 094 529 987 – AFSL 244252
Financial planning services
Investment types
- Industry superfunds
- Self-managed super funds
- Wrap accounts
- Retail funds
- Managed funds
- Direct equities (shares)
- Exchange Traded Funds (ETFs)
- Annuities
- Cash based products
