Financial Planner Sutherland Shire — Trusted Local Financial Advice
Looking for a trusted financial planner in the Sutherland Shire? Jigsaw Financial Planning is a locally owned and operated financial planning practice based in Menai, providing expert financial advice to individuals, families, and small business owners across the Sutherland Shire and greater Sydney for over 15 years.
Whether you are planning for retirement, reviewing your superannuation, navigating the aged care system, or simply want to make sure your finances are on the right track — our team of qualified financial advisers is here to help. We offer a free initial consultation so you can see how we work before making any commitment.
Why Choose Jigsaw as Your Sutherland Shire Financial Adviser?
Choosing a financial adviser is one of the most important financial decisions you will make. Here is why Sutherland Shire locals have trusted Jigsaw Financial Planning for more than 15 years:
- Locally owned and operated — Our office is in Menai, in the heart of the Sutherland Shire. We live and work in the community we serve.
- Over 15 years of experience — Established in 2010, Jigsaw has built a reputation for practical, honest, and highly personalised financial advice.
- We hold our own Australian Financial Services Licence (AFSL 549631) through JFP Adviser Services. Our advice is in your best interests.
- Qualified professionals — Our advisers hold degrees, post-graduate qualifications, and industry-leading CFP® (Certified Financial Planner) designations.
- Specialist expertise — We specialise in retirement planning, superannuation, aged care financial advice, insurance, investments, and estate planning.
- Nothing is offshored — We will never send any administration, paraplanning or client work overseas. We do have a sydney based outsource paraplanner that helps with overflow but she isnt employed directly by us
- Top-quartile client satisfaction — Our clients consistently rate us in the top quartile nationally for service quality, trust, and overall satisfaction.
Our Financial Planning Services in the Sutherland Shire
At Jigsaw Financial Planning, we provide a comprehensive range of financial advice services tailored to the needs of Sutherland Shire residents. Every strategy we recommend is built around your personal goals, circumstances, and stage of life.
Superannuation
Superannuation is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement.
Retirement Planning
Retirement may seem like a long way off but putting money into super now is still a tax effective way to invest your money for the future
Investments
Everyone has different needs and circumstances. Please contact us before you start putting your money into any form of investment.
Wealth Protection
Insurance is the foundation of all financial plans. We can help you evaluate the risks and come up with the right solution for you and your family.
Self Managed Super
An SMSF is one where you, as a trustee and member, have responsibility over the management, investment and admin of your super fund.
Debt Management
Effective debt management is not just about the interest you pay, but also the type of assets you’re investing in and prioritising your debts.
Estate Planning
We’d all like to leave a legacy once we’re gone. Estate Planning ensures your assets are distributed to the right people at the right time.
Aged Care
It’s not easy making the decision to place a loved one into care. Once you’ve made the call, it can be confusing to understand how it all works.
Our Financial Planning Services in the Sutherland Shire
At Jigsaw Financial Planning, we provide a comprehensive range of financial advice services tailored to the needs of Sutherland Shire residents. Every strategy we recommend is built around your personal goals, circumstances, and stage of life.
Retirement is different for everyone — and planning for it should be too. As experienced financial planners in the Sutherland Shire, we help you build a clear, personalised retirement income strategy. From transition-to-retirement strategies and account-based pensions to Age Pension optimisation and Centrelink planning, we make sure you can retire with confidence and maintain the lifestyle you have worked hard for.
Your superannuation is likely one of your largest assets. We help Sutherland Shire clients review and consolidate their super, maximise contributions, choose appropriate investment options, and align their super strategy with their broader financial plan. Whether you are just starting out or approaching retirement, our superannuation advice is designed to help you make the most of every dollar.
Thinking about setting up an SMSF? Already have one and want a second opinion? Our financial advisers in the Sutherland Shire provide comprehensive SMSF advice — from establishment and investment strategy to ongoing compliance and administration support.
Navigating the aged care system is one of the most complex and emotional financial decisions a family can face. Our specialist aged care adviser helps Sutherland Shire families understand RADs, DAPs, accommodation options, means testing, Centrelink assessments, and cash flow strategies — so you can make informed decisions during a difficult time. This service also acts as a gateway for families to access broader financial advice for their own futures.
Whether you are building wealth, generating income, or protecting what you have already accumulated, we provide tailored investment advice to Sutherland Shire clients. Our portfolios are constructed around your goals, risk tolerance, and time horizon — using a diversified blend of Australian and international assets.
Insurance is the foundation of every good financial plan. We help you evaluate the risks you face and put the right protection in place — including life insurance, total and permanent disability (TPD), income protection, and trauma cover. We structure cover inside or outside superannuation based on what makes sense for your situation.
Insurance is the foundation of every good financial plan. We help you evaluate the risks you face and put the right protection in place — including life insurance, total and permanent disability (TPD), income protection, and trauma cover. We structure cover inside or outside superannuation based on what makes sense for your situation.
Not all debt is bad debt — but having a clear plan is essential. We help you understand the difference between good and bad debt, prioritise repayments, and structure your borrowings to support your long-term financial goals.
Suburbs We Serve Across the Sutherland Shire
Our office is located at Shop 18A, 62-70 Allison Crescent, Menai NSW 2234 — easily accessible from across the Sutherland Shire. We provide financial advice to clients in:
Menai, Engadine, Sutherland, Cronulla, Miranda, Caringbah, Sylvania, Gymea, Kirrawee, Jannali, Como, Oyster Bay, Alfords Point, Bangor, Barden Ridge, Lucas Heights, Loftus, Heathcote, Waterfall, Bundeena, Maianbar, Kurnell, Woolooware, Taren Point, Grays Point, Bonnet Bay, Illawong, Woronora Heights, Sandy Point, Kangaroo Point, Sylvania Waters, Dolans Bay, Lilli Pilli, and Port Hacking.
We also welcome clients from the Sydney CBD, St George area, Northern Beaches, Inner West, South Coast, and interstate. Online consultations via Microsoft Teams are available for clients who prefer to meet remotely.
Our team of experienced financial professionals is led by Matthew Laird (Principal and Director, B.Com. MFP. CFP®) and Daniel Mikhail (Senior Financial Adviser & Director, B.Com. ADFS. CFP®), supported by specialist aged care adviser Lisa Noble, Financial Adviser Kobe Anker and Paraplanner Emily Doyle, We have a dedicated client services team including Debbie Featherstone, Hayden Popplewell and Natania Dalton.
When you call our office, you speak to a real person — not a call centre. Get to know the team >
Our proven five-step process is designed to get to know you — your goals, your concerns, and your life — so we can build a financial strategy that truly fits. Here is how it works:
How Our Financial Planning Process Works
Our proven five-step process is designed to get to know you — your goals, your concerns, and your life — so we can build a financial strategy that truly fits. Here is how it works:
Discovery Meeting:
We sit down with you (at our Menai office or online via Microsoft Teams) to understand your current situation, your goals, and what matters most to you. This meeting is free and obligation-free.
Strategy Development
Your adviser prepares detailed financial models showing where you are now and how your future could look with the right strategy in place.
Plan Presentation:
We present a written financial plan outlining our recommendations, the reasoning behind them, and the costs involved — in plain, easy-to-understand language.
Implementation
Once you are comfortable and ready to proceed, we put your financial plan into action — handling the paperwork, applications, and coordination with product providers.
Ongoing Review
Your adviser provides an ongoing review service to monitor your progress, adjust your strategy as life changes, and keep you on track towards your goals.
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What our clients say
Frequently Asked Questions — Financial Advice in the Sutherland Shire
How much does it cost to see a financial planner in the Sutherland Shire?
At Jigsaw Financial Planning, your first meeting is always free and obligation-free. If you decide to proceed, we provide a clear, upfront fee quote before any work begins. Our fees depend on the complexity of your situation and the scope of advice required. We do not charge commissions on investments — our advice fees are transparent and agreed with you in advance.
Do I need a financial adviser if I only have superannuation?
Absolutely. Superannuation is one of the largest financial assets most Australians will ever hold, yet many people have never reviewed their super fund, contribution strategy, or investment options. A financial adviser in the Sutherland Shire can help you consolidate multiple super accounts, maximise your contributions, choose the right investment mix for your age and risk profile, and ensure your super is aligned with your retirement goals.
What is the difference between a financial planner and a financial adviser?
In Australia, the terms “financial planner” and “financial adviser” are used interchangeably. Both refer to a qualified professional who is authorised to provide personal financial advice under an Australian Financial Services Licence (AFSL). At Jigsaw, our advisers hold formal qualifications including the CFP® (Certified Financial Planner) designation — the highest professional standard in financial planning in Australia.
Can you help with aged care financial advice in the Sutherland Shire?
Yes. Aged care financial advice is one of our specialist services. Our dedicated aged care adviser helps families across the Sutherland Shire understand the financial implications of entering residential or home care — including Refundable Accommodation Deposits (RADs), Daily Accommodation Payments (DAPs), means testing, Centrelink assessments, and strategies to protect the family home and maximise government assistance. We understand this is an emotional and stressful time, and we guide you through every step with care and professionalism.
Do I have to visit your office in Menai, or can I meet online?
We offer both face-to-face consultations at our Menai office (Shop 18A, 62-70 Allison Crescent, Menai NSW 2234) and online consultations via Microsoft Teams. Many of our Sutherland Shire clients prefer to meet in person for their initial consultation and then use online meetings for ongoing reviews — but the choice is entirely yours.
What qualifications do your financial advisers hold?
Our advisers hold varying qualifications including Bachelor of Commerce and Business degrees, Advanced Diplomas of Financial Planning, Masters of Financial Planning, and the CFP® (Certified Financial Planner) designation — the highest professional credential in financial planning in Australia. See our adviser profiles (Insert Link) for specific qualifications of each adviser. All advisers are registered on the ASIC Financial Advisers Register, and Jigsaw Financial Planning is authorised under AFSL 549631.
How often will you review my financial plan?
We offer an ongoing review service as part of our advice relationship. At each review, your adviser will assess your progress, review your investment performance, check that your insurance remains appropriate, and make any adjustments needed to keep your financial plan on track. We also provide market updates and insights throughout the year via our website.
Is Jigsaw Financial Planning independently owned?
Yes. Jigsaw Financial Planning is 100% privately owned and operated by its directors, Matthew Laird and Daniel Mikhail. We are not owned by a bank, insurance company, or institution. We hold our own Australian Financial Services Licence through JFP Adviser Services Pty Ltd (AFSL 549631), which means our advice is always in our clients’ best interests — free from external product or sales pressure.
If you are looking for a financial planner in the Sutherland Shire who will take the time to understand your situation, explain your options in plain language, and build a plan that genuinely works for your life — we would love to hear from you.
Your first meeting is always free and obligation-free. We will listen, ask the right questions, and help you understand whether financial advice is right for you — with absolutely no pressure.
