A financial strategy is a personalised plan that connects your superannuation, investments, insurance, cashflow, and estate planning toward a defined set of financial goals. Forest Wealth builds and manages financial strategies for individuals and families across Sydney, with a focus on retirement readiness, tax efficiency, and long-term income security.
Forest Wealth was founded in 2018 and was named 2025 Advice Practice of the Year.
The practice employs 11 qualified financial advisers across offices in Chatswood, Hornsby, and Sutherland, serving clients across North Shore, Northern Beaches, Inner West, Sutherland Shire, South Sydney, North West Sydney, Central Coast, and greater Sydney.
What financial strategy advice covers
Financial planning has different value at different life stages. Forest Wealth works with clients across a wide range of situations, from helping a young family plan toward buying their first home, to ensuring a retiree’s savings last their lifetime and leave something for their beneficiaries.
Common goals clients bring to Forest Wealth include:
- Making superannuation last through retirement
- Minimising tax on investments and super withdrawals
- Maximising Age Pension and Centrelink entitlements
- Investing without taking on excessive risk
- Leaving assets to beneficiaries in a tax-effective structure
- Understanding which financial products are actually suited to their situation
Once Forest Wealth agrees on a personalised strategy with a client, existing products are assessed against the market. If a better alternative exists, it will be recommended in writing via a Statement of Advice. If existing products remain in the client’s best interest, no change is made.
Investment advice
Forest Wealth provides investment advice across a broad range of asset classes and structures. Recommendations are based on each client’s goals, risk tolerance, investment timeframe, and tax position. Forest Wealth operates as a Corporate Authorised Representative of Millennium3 Financial Services Pty Ltd (AFSL 244252) and recommends only products that appear on the Millennium3 Approved Products List, which has been independently examined for quality and suitability.
Investment types Forest Wealth advises on
| 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 |
Insurance advice
Personal insurance covers four main risk categories: life insurance, total and permanent disability (TPD), trauma, and income protection. Not all insurers offer equivalent cover, and policy definitions, premium structures, and claim reputations vary significantly between providers.
Forest Wealth provides advice on:
- How much cover to hold across each insurance type
- Whether to hold insurance inside or outside superannuation
- Which premium type (stepped or level) suits your age and budget
- Which insurer is most appropriate for your individual health and occupation profile
- Which policy features are relevant to your situation
Forest Wealth is a Corporate Authorised Representative of Millennium3 Financial Services (M3). We use products recommended by M3, and only products that have been examined and placed on their Approved Products List (APL).
