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Navigate Advisory

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

03/09/2026

Last month we hosted an exclusive client webinar on Intergenerational Wealth Transfer with Dr Jeffrey Scott, Head of Advice Strategy at MetLife Australia.

With around $3.5 trillion set to pass between generations in Australia over the next decade, this is a conversation more families need to have, and most simply haven't.

Here's what we unpacked in the session:

1. Why families end up fighting over inheritance, and how to close the expectation gap early.

2. What actually happens if you die without a will (spoiler, the law decides for you).

3. Why your super isn't covered by your will, and what a binding nomination really does.

4. How marriage, divorce and separation affect your will and your death benefit nominations.

4. The rise of "KIPPERS" (kids in parents' pockets eroding retirement savings) and what it means for your own retirement plans.

Dr Jeff brought more than 30 years of experience to the room, having delivered over 2,000 presentations and lectured at UTS and UNSW. He also created the first terminal illness benefit for life insurance products in Australia, so to say he knows this space well is an understatement.

Couldn't make it live? We've turned the biggest questions from the session into a blog: wills, super nominations, blended families, and what happens if you do nothing.

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

01/09/2026

Family trust or testamentary trust?

Here is Harry's breakdown:

A family trust works during your lifetime. It holds and protects assets, helps reduce tax, and is commonly used when structuring a business.

A testamentary trust is different. It's created inside your will, so it only starts functioning once you've passed away. Its main job is protecting inherited wealth, especially important if you have vulnerable beneficiaries (like a child with a disability). It also offers tax minimisation benefits for beneficiaries.

Two tools, two very different purposes.

The right structure depends on your situation, which is exactly why we start with a conversation, not a template.

Want clarity on what's right for your family? Get in touch.

https://navigateadvisory.com.au/contact/

27/08/2026

Harry has been named a finalist for the 2026 The Financial Standard Power50, recognising the 50 most influential financial advisers in Australia.

Voting closes September 3, and we’d really appreciate you taking a couple of minutes to cast a vote for him.

👉 Vote for Harry: https://www.financialstandard.com.au/fspower50 -line

Thanks for supporting Harry and the Navigate team. We really appreciate it.

25/08/2026

We're proud to share that Amin Lalani has commenced his Professional Year (PY), an important step on his pathway to becoming a qualified Financial Adviser.

The Professional Year is an industry requirement for new entrants to the financial advice profession. It involves a structured program of supervised workplace experience, training and professional development, and it's a milestone we love celebrating as one team.

Amin will continue to be involved in client meetings, communications, research and advice preparation, building on his existing role as an Associate. This work will now form part of his structured PY training and development, under the supervision of our authorised Financial Advisers.

It's a big step forward, and we're right behind him. Congratulations, Amin!

20/08/2026

We're proud to announce that Navigate Advisory is a founding partner of the
Australian Cancer Research Foundation's Accelerators program.

Cancer research and support have been core to how we give back to the community for years. Now, we're deepening that commitment through Accelerators - funding world-class cancer research across Australia through regular monthly contributions.

The reality is stark: 2 in 5 Australians will be diagnosed with cancer by age 85.

For many of us, it's not just a statistic - it's a lived reality.

That's why we've consistently supported cancer causes, and why we're now showing how businesses can create meaningful, sustained impact through the Accelerators community.

18/08/2026

Buying a home comes with a number of costs in addition to the purchase price. They need to be factored into your numbers from the start so you don’t get caught out after you sign a contract.

On a $1.2 million Sydney purchase, buyers can expect $53,000 to $58,000 in additional costs on top of their deposit. Stamp duty, conveyancing, inspections, lender fees, moving costs.

They all add up fast, and they all need to be in your numbers before you fall in love with a place.

Our Director of Lending, George Rentzepis, has put together a practical guide covering the five mistakes that catch out first home buyers, including borrowing too much, spending every dollar of your deposit, and skipping the paperwork when family is involved.

The good news? Every single one is avoidable.

Read the full blog here: https://navigateadvisory.com.au/first-home-buyers-sydney-costs/

17/08/2026

We have some exciting news to share.

Harry has been named a finalist for the 2026 Financial Standard Power50, recognising the 50 most influential financial advisers in Australia.

And while Harry probably wouldn’t be the one to tell you this himself, we think he deserves to be recognised.

For more than 30 years, Harry has been doing what he does best: helping people make better financial decisions and building a business in a profession he genuinely cares about.

That extends well beyond his work with clients. Harry mentors the next generation of advisers at Navigate and gives his time to the community, from his pro bono work with the Cancer Council to getting behind the wheel and raising money for Cancer research with the "Old Blokes Driving For a Cancer Cure."

So, for us, the Power50 is about more than an award. It’s recognition of the contribution Harry has made to his clients, his profession and his community over many years.

And we’d love your help.

We’d really appreciate you taking a couple of minutes to cast a vote for him.

👉 Vote for Harry: https://www.financialstandard.com.au/fspower50 -line

Voting closes 3 September 2026.

Thanks for supporting Harry and the Navigate team. We really appreciate it.

13/08/2026

Separation is one of life's most challenging transitions.

But it can also be a turning point.

Jenna Carey, our Senior Financial Adviser, shares where to start when rebuilding your financial position after a separation.

The foundations matter first. Cash flow, debt, estate planning, and personal insurance. Getting those in order gives you a stable base to build from.

But the financial side is only part of it. Jenna also talks about the importance of refocusing on yourself, revisiting your goals, and finding a new sense of purpose.

If you have questions about your super, your estate plan, or simply where to begin, we are here to listen, educate and guide you into your next steps.

11/08/2026

The Reserve Bank of Australia (RBA) has today decided to keep the cash rate unchanged at 4.35%, giving borrowers some welcome stability while it assesses how recent rate increases are flowing through the economy.

Inflation has shown some encouraging signs of easing, with annual headline inflation falling to 3.8% in June 2026, down from 4.0% in May 2026. However, underlying inflation remains higher than the RBA would like, with trimmed mean inflation holding at 3.6%.

With the temporary fuel excise reduction ending in early August 2026, petrol prices are expected to lift as the full excise is reinstated. This could add some upward pressure to headline inflation in the coming months and will be another factor for the RBA to monitor.

What could this mean for you?

Even when rates stay unchanged, your home loan doesn’t have to.

It could be a good time to review your current rate, repayments and loan structure to make sure they still suit you.

Whether you're planning ahead or simply want to explore your options, we're here to help.

06/08/2026

Join us in congratulating our Practice Manager, Stephanie-Lee Alvarenga, on reaching an incredible 17 years with Navigate Advisory!

Stephanie-Lee is the backbone of our operations. She oversees everything from recruitment and HR to client experience, and she does it all with a gift for problem-solving and process improvement that keeps our team running smoothly.

Her expertise in building systems and fostering great client experiences has been fundamental to Navigate's growth. She keeps the cogs turning so our advisers can focus on delivering great work to our clients.

Thank you for 17 amazing years, Stephanie-Lee. Here's to many more.

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

https://navigateadvisory.com.au/

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