Navigate Advisory

Website Contact the business

Navigate Advisory We help forward-thinking individuals, families and business owners define, design and live a great life.

15/10/2026

When your partner passes away, the financial side shouldn't be what adds to the stress. Here's what to our Senior Adviser, Jenna, recommends you have in place before you ever need it:

1. A support team ready to go. Both professional (adviser, accountant, solicitor) and family, so you're not working through logistics alone.

2. Accessible cash outside of accounts tied to one name. If income or pension payments sit solely under your partner's name, that account can be frozen until a death certificate comes through, which can take months.

3. Updated beneficiary nominations. Make sure super, insurance and investment accounts actually reflect who should receive them.

4. A current will, reviewed regularly. Life changes, your estate plan should too.

5. Clarity on what bills and income rely on one person. Map out what would be disrupted and build a buffer for it now.

This isn't about expecting the worst. It's about making sure your whole financial world still makes sense, even in the moments you never planned for.

If you're not sure where the gaps are in your own setup, we're here to listen, educate and gently nudge you into action.

From overwhelmed to owning their first home, that's what a great life looks like in action.Peter and his family had big ...
13/10/2026

From overwhelmed to owning their first home, that's what a great life looks like in action.

Peter and his family had big questions about the 5% First Home Deposit Scheme and not a lot of certainty. That's exactly where our team comes in. George walked them through every eligibility detail and application step until what felt impossible became an exciting reality.

"What initially felt overwhelming became an exciting and smooth journey into home ownership." - Peter

This is why we do what we do. First home buyers deserve a team in their corner who makes the complex feel completely manageable.

Thinking about buying your first home? Let's have a chat about what's possible for you.

Can I transfer my UK pension to Australia?Short answer: yes. But only if you tick four boxes, and get the timing right.C...
08/10/2026

Can I transfer my UK pension to Australia?

Short answer: yes. But only if you tick four boxes, and get the timing right.

Close to a million people living in Australia were born in England, with a median age of 59.8. If that's you, chances are part of your retirement savings is still sitting in a bank you can't walk into, in a currency you don't spend, under rules that change without asking you.

Read below to learn what actually needs to line up: your age, the fund it's going into, the tax outcome, and the timing.

We handle the whole process, from the first conversation to the day your money lands in Australian super. Read our guide: https://navigateadvisory.com.au/insights-transfer-uk-pension-to-australia/

Navigate Advisory was recently featured in Inside Small Business exploring how we've built a business centred on purpose...
06/10/2026

Navigate Advisory was recently featured in Inside Small Business exploring how we've built a business centred on purpose and community impact.

For our team, it's about building a legacy. Purpose isn't a separate initiative that sits alongside our business. It's embedded into our values, culture and relationships.

"Our success is not measured only by profit and business outcomes, but also by the positive impact we have on our clients and the community," Managing Director Harry Moustakas says.

The strongest businesses understand their broader role in society. Through our pro bono financial advice program for cancer patients and partnership with the Australian Cancer Research Foundation, we've raised over $230,000 since 2023.

https://insidesmallbusiness.com.au/finance/beyond-profit-why-doing-good-is-good-for-business

Recently,Senior Financial Advisers Dennis and Jenna attended an Excellence Panel Session hosted by La Trobe Financial, f...
01/10/2026

Recently,Senior Financial Advisers Dennis and Jenna attended an Excellence Panel Session hosted by La Trobe Financial, featuring Chris Andrews, Glenn McGrath, Ash Barty, Ariarne Titmus and Andrew Johns.

The conversation was about sport, but the lessons translate directly to how we work as a team and show up for our clients. Here's what Dennis took away from it, in his own words:

"Chris Andrews opened with purpose. A business purpose should explain how you help people and why the work matters, not just targets and spreadsheets. He also spoke about the value of quality people and quiet habits, the preparation, the difficult conversations and the standards you keep when nobody's watching.

Glenn McGrath spoke about preparation as the foundation of performance. He was not the fastest bowler, so he built his career on knowing his strengths, repeating the basics and trusting the plan under pressure. He also credited the right support around him, from his trainer to his "pit crew" during his late wife Jane's cancer journey, for keeping him consistent for years.

Ash Barty talked about trusting the work already done when the big moment arrives. Her advice was to keep a short memory: acknowledge a mistake, learn from it, then move to the next point. She also spoke honestly about Wimbledon 2018 as a low point that became a turning point once she was willing to look at it clearly and get support.

Andrew Johns spoke about the difficulty of asking for help, especially after retiring from professional sport when isolation and uncertainty set in. His advice was direct was: speak up early, and support others going through the same transition.

A few threads ran through all four conversations. Know what you're working towards, build good habits before pressure arrives, accept mistakes and respond to them quickly and honestly, ask for help early, and look after the whole person, not just the performance.

That's the standard I'm bringing back to our team and the way we work with our clients."

What does the latest rate rise mean for you?The Reserve Bank has lifted the cash rate by 0.25% to 4.60%. If you have a v...
30/09/2026

What does the latest rate rise mean for you?

The Reserve Bank has lifted the cash rate by 0.25% to 4.60%. If you have a variable home loan, your repayments will likely rise over the coming weeks.

What we want you to know is that we're here to help. You have more options than you might think.

A rate change is the perfect prompt to check your loan is still working as hard as you are. We can:

1. Look for options with your current lender for a sharper rate or a better-fitting structure
2. Compare alternative lenders who may offer a stronger deal for where you are today
3. Map out your numbers so you can move forward with a clear plan

We've guided clients through every kind of rate cycle, and the ones who feel most confident are always the ones who take a moment to review.

Know a family member or friend with questions about their loan? We're happy to help them too.

Book in a free consultation: https://navigateadvisory.com.au/contact/

Huge congratulations to our Senior Financial Adviser Jenna Carey, named a finalist for Financial Adviser of the Year at ...
24/09/2026

Huge congratulations to our Senior Financial Adviser Jenna Carey, named a finalist for Financial Adviser of the Year at The Women in Finance Awards.

In Jenna's words: "I’m delighted to be recognised as a finalist for Financial Adviser of the Year at The Women in Finance Awards. When I work with my clients, my aim to is give them the confidence to live the life they want. Being a finalist is not just about my work but about my clients who are able to think beyond numbers and focus of what truly matters in their lives".

Good luck Jenna. Winners will be announced in November.

22/09/2026

Applying for a home loan soon? A few small moves now can make a big difference to your application later.

Our Director of Lending, George Rentzepis, shares what he tells clients before they apply:

1. Avoid changing jobs. Lenders want to see stability, so hold off if you can.
2. Skip new debts (yes, that includes car loans) until after settlement.
3. Run a credit check on yourself first, so there are no surprises.
4. Cut back unused credit card limits, they count against your borrowing capacity even if you're not using them.
5. Keep your savings consistent and genuine. Lenders look for a real pattern, not a lump sum that appears out of nowhere.
6. Get your paperwork sorted early: payslips, tax returns, HECS debts and ID.

Thinking about applying for a home loan? Get in touch with our lending team and we will help you understand exactly where you stand and what your borrowing capacity looks like.

Financial Advisers, Jenna and Amin spent a day last week out of the office at the Pendal Emerging Adviser Small Cap even...
17/09/2026

Financial Advisers, Jenna and Amin spent a day last week out of the office at the Pendal Emerging Adviser Small Cap event.

It was a great opportunity to discuss the Australian small cap market and the opportunities Pendal are seeing across the sector.

The big lesson he brought back? There is still plenty of opportunity in Australian small caps, but you need to look beneath the headline numbers to find it. Performance is varying significantly across sectors, M&A activity is picking up, and bigger structural shifts (data centre investment, defence, the energy transition) are creating real opportunities at an individual company level.

It was a good reminder of the value of disciplined research, stock selection and understanding what is actually happening beneath the broader market.

If you have any questions about anything else Amin and Jenna took away from the event, pop them in the comments or send us a message.

We sat down with Dr Jeffrey Scott, Head of Advice Strategy at MetLife Australia, on what happens when families don't tal...
15/09/2026

We sat down with Dr Jeffrey Scott, Head of Advice Strategy at MetLife Australia, on what happens when families don't talk about money before it's too late. A few things stood out to us:

12% of retirees don't plan on leaving an inheritance to anyone. If your family hasn't heard that directly from you, they're likely assuming something different.

Without a will in NSW, the Succession Act 2006 decides who gets what. Not you, not your family, the law.

Your superannuation doesn't automatically follow your will. It follows your nomination, and a lot of people haven't reviewed theirs in years.

Read more here: https://navigateadvisory.com.au/intergenerational-wealth-transfer-questions-answered/

Address

Level 5, 376 Bay Street
Brighton-le-Sands, NSW
2216

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Navigate Advisory posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Navigate Advisory:

Shortcuts

Share

Category