5 Latrobe Terrace, Paddington QLD 4064

Work Hours
Monday to Friday: 9AM - 5PM

Welcome to a world of financial empowerment, where your dreams take centre stage and your financial future becomes a captivating journey. At our core, we are dedicated to crafting personalised financial plans that transform aspirations into achievable milestones. 

With a commitment to your financial well-being, we seamlessly merge expertise, innovation, and a client-centric approach to guide you towards a secure and prosperous tomorrow. Welcome to a partnership that is more than just numbers – your gateway to financial success starts here.


What Our Clients Say About Us

“Highly recommended.”
Patricia Muller
Photography Professional
“Very helpful and knowledgeable.”
Michael Clark
“Great team of professionals.”
Kent Milestone
Graphic Designer

What we do

Tailored, autonomous guidance for reshaping your financial destiny.

Tailored Financial Planning

Embracing the belief that a one-size-fits-all approach falls short; we specialise in crafting personalised financial plans. Each plan is uniquely tailored to steer you towards your financial goals while minimising risk. Consistency lies in our unwavering commitment to your success.

Cashflow Management

At the heart of any financial plan is effective cashflow management. Our goal is not monthly budgeting but rather ensuring you allocate funds appropriately to clear debt or build wealth, allowing guilt-free spending on everything else while your financial goals remain in focus.


Whether you're a novice or a seasoned investor, our approach is measured and strategic. We structure your investments in line with your risk profile, ensuring diversification and a clear focus on achieving your financial objectives. As independent advisers, we have the flexibility to choose what suits you best, unbound by rigid advice structures.

Superannuation Advice

Not all superannuation funds are created equal. Superannuation serves as an excellent retirement planning tool, offering avenues to reduce taxes and grow wealth. We collaborate with you to maximise the potential of your superannuation, tailoring it to your life stage for optimal outcomes.

Tax Minimisation

While tax minimisation shouldn't be the sole driver for investments, ensuring correct structuring is crucial. By maximising retirement planning and leveraging salary packaging benefits, we ensure you pay only what's necessary, allowing your wealth to grow more efficiently.

Personal Protection

Life's uncertainties necessitate comprehensive personal protection. We tailor protection plans for you and your family, ensuring that when the unexpected occurs, you are shielded, allowing you to focus on what matters most—your health.

Retirement Planning/Financial Freedom:

Retirement planning and financial freedom are unique to each individual. We focus on achieving a high quality of life throughout your retirement, whether it involves different ages, varied levels of passive income, or leaving a meaningful inheritance. Our aim is to let you enjoy life without the worry of financial constraints.

Transitioning to Retirement

Embarking on the journey to retirement is undoubtedly exciting, yet it often brings concerns and uncertainties. With us by your side we help you seamlessly reduce your working hours without compromising your standard of living. We aim to make your transition to retirement a smooth and enjoyable process, guiding you into the next fulfilling stage of life.

Debt Management

Navigating debt, whether it's tied to your home loan, investment properties, or personal finances, can be daunting, especially amid rising interest rates. Employing strategies like Debt Recycling to expedite home loan repayment while building wealth, or implementing a snowball strategies to effectively reduce personal debt, providing a clear path to financial freedom.

Estate Planning

In every comprehensive financial plan, estate planning is paramount. Should the unexpected occur, having a clear picture of your hard-earned finances is crucial. We collaborate with estate planners to construct robust structures, ensuring your funds are directed according to your wishes. This may involve testamentary trusts, straightforward wills, or strategic nominations within your superannuation.

Property Advice

Property investments remain a cornerstone for Australians seeking financial freedom, tax reduction, or passive income. While we cannot recommend specific property transactions, we stand alongside you, providing insights into the cash flow and growth of properties. Whether you're buying your first home, investing in property, or expanding your portfolio, we guide you through the process.

Centralised Advice:

Consider us the central hub in your financial journey, working seamlessly with your team of advisers, including accountants, lawyers, and property managers. We act as the coordinating force, ensuring each adviser contributes to your overall long-term goals. While accountants focus on tax reduction, we keep a broader perspective, aligning all efforts to target your specific objectives. For example, if early retirement is your goal, we recognise that simply adding funds to super alone won't suffice, as access to funds is equally vital.

How We Help You:

Your transformative journey with our holistic and independent financial planning services starts here. We understand that financial worries can keep you up at night, whether it’s managing your cashflow, building wealth, easing into retirement, tackling debt or making crucial decisions about your children’s future. At Sternlight Financial Advice we provide more than just advice; we offer a tailored plan for turning your aspirations into tangible achievements.

Your unique dreams and circumstances are at the heart of what we do. Unlike one-size-fits-all approaches, we recognise that every client is different. Our philosophy revolves around crafting personalised financial plans that address your individual needs and goals

Our commitment extends beyond a mere consultation. We actively collaborate with you to build and implement a comprehensive financial plan. Our discussions involve exploring alternatives, helping you understand choices, and clarifying trade-offs. Once decisions are made, we guide you through the practical steps of putting your plan into action.

But our journey together doesn't end there. We are your partners in ongoing plan management, ensuring that you stay on course and making adjustments as needed. Our clients value the open conversations we foster – a space where they can discuss challenges and issues with someone who truly comprehends their situation. At Sternlight Financial we are dedicated to providing honest guidance, education and doing our utmost to instil financial confidence in every step of your journey toward success.

The Journey Begins To Your Financial Freedom:
6 Easy Steps

Over the years, we’ve fine-tuned our process to make it effortlessly simple for you, providing clarity and education while we handle the complexities behind the scenes.

Safeguarding Your Tomorrow: Comprehensive Insights into Personal Protection for Your Family’s Lifestyle

Embarking on Your Investment Journey: A Guide for First-Time Share Market Investors

Maximising Your Super: A Comprehensive Guide for Everyday Workers

Embarking on a New Chapter: Things to Think About Before You Retire

How Did We Reach Here?

Combined Experience
0 + Years
Result Driven
0 %
Goal Focused
0 %

Let Us Do Your Hardwork For You!

Plan Your Goals With Us.