Creo Wealth

Creo Wealth Searching for a secure financial future? Whether you’re a budgeting beginner or financially cruising along, we can help.

At Creo Wealth, we’re all about empowering you, whether you’re young or old. Acquiring wealth shouldn't just be for the wealthy. You deserve more than spending a life chasing your dream life, you deserve to live it

We’re nearly two months into the new financial year, which makes this a good week for a job most people put off until Ju...
03/09/2026

We’re nearly two months into the new financial year, which makes this a good week for a job most people put off until June.

Log in to your super. Check three things.

Who is nominated as your beneficiary, and whether that nomination is still valid.

What you’re invested in, and whether it still matches where you are in life.

What you’re actually paying in fees and insurance premiums.

Fifteen minutes. It’s the least glamorous thing on your list and usually the most useful.

This is general information and does not consider your circumstances. Before acting on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation or needs.

Most people approaching retirement make five big decisions. Most people make them one at a time, months apart, without n...
02/09/2026

Most people approaching retirement make five big decisions. Most people make them one at a time, months apart, without noticing they’re all pulling on the same rope.

When to stop work, or whether to taper.

When to start drawing on super, and in what form.

Whether the Age Pension is in play, and how assets are structured around it.

How to handle investment risk once there’s no wage arriving.

What to do with the family home.

Change one and you’ve changed the others. That’s the whole argument for planning them together rather than in sequence.

This is general information and does not consider your circumstances. Before acting on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation or needs.

Nobody plans for this bit.You’re on the phone to a facility on your lunch break, googling words you’d never heard of a f...
31/08/2026

Nobody plans for this bit.

You’re on the phone to a facility on your lunch break, googling words you’d never heard of a fortnight ago, and quietly wondering how your family is going to afford any of it.

We wrote a plain English guide for families going through it. What the accommodation deposit actually is. What happens to Mum or Dad’s house. Which fees are set by the government and which ones are means tested. What the new rules from November 2025 changed.

It won’t make the decision for you. It will mean you walk into the next conversation knowing what the words mean.

Link in bio.



This is general information and does not consider your circumstances. Before acting on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation or needs.

People often arrive at a first meeting apologising for not having their paperwork sorted.You don’t need it. Not yet, any...
27/08/2026

People often arrive at a first meeting apologising for not having their paperwork sorted.

You don’t need it. Not yet, anyway.

Here’s what the first meeting is actually for.

We get to know you, in the Penrith office or virtually, whichever suits.

We talk about your goals. What you’re hoping to achieve, and what’s driving it.

We work out if we’re the right fit. Advice only works when the relationship does too.

If it makes sense to keep going, that’s where the real work starts. Crunching the numbers properly, building advice around your situation rather than a template, and moving into a full plan.

Then we stay with you, because life keeps moving and plans need to move with it.

No obligation on the first chat. Just a conversation.

13/08/2026

“Probably fine.” It's the most common thing I hear when I ask someone about their super.

Probably fine. Probably enough. Probably the right fund.

Probably isn't a plan.

Your super is likely the second biggest asset you'll ever own, after the house. And most people couldn't tell you what fund they're in, what they're paying in fees, or whether the investment mix still matches their timeframe.

A 20 minute review tells you whether “probably fine” is actually fine, or whether it's been quietly underperforming for years.

Worth 20 minutes to find out? Call (02) 9629 1866.

This is general information and does not consider your circumstances. Before acting on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation or needs.

12/08/2026

'When can I actually retire?'

It's one of the first questions people ask us. And most start by guessing a number.

Here's a steadier way to find it.

Instead of guessing, map what your life will genuinely cost. Not the budget you think you should have, the real one, travel and help around the house included.

Then look at what your super and any Age Pension entitlements can realistically support.

The gap between those two tells you far more than a round number ever will.

Sometimes the answer is sooner than people expect. Sometimes it means a few small changes now. Either way you're deciding with the real picture in front of you.

Wondering where you stand? Call us on (02) 9629 1866.

This is general information and does not consider your circumstances. Before acting on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation or needs.

Before you set a retirement date, sit with these four questions. They'll tell you more than any calculator.Swipe through...
11/08/2026

Before you set a retirement date, sit with these four questions. They'll tell you more than any calculator.

Swipe through:

1. When do I actually want to stop, or wind back? Full stop and gradual are both fine. Knowing which one you want changes the plan.

2. What will my life genuinely cost? Not the budget you think you should have. The real one.

3. Is my super still invested to suit this stage? What suited you at 40 may not suit you at 60. Worth a look.

4. What happens to my partner if something happens to me? The hardest one to ask, and the one people are most glad they did.

No neat answers required today. Getting the questions right is the first step.

Want a hand working through them? Call (02) 9629 1866.

This is general information and does not consider your circumstances. Before acting on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation or needs.

A quick hello from us.We're Anthony and Kylie Sultana, and we started Creo Wealth in Penrith back in 2015.Anthony's the ...
07/08/2026

A quick hello from us.

We're Anthony and Kylie Sultana, and we started Creo Wealth in Penrith back in 2015.

Anthony's the Certified Financial Planner who's been in advice since 1996 and made aged care his speciality. Kylie runs the practice, and keeps every family feeling looked after along the way.

We work with people across Sydney's west, from Castle Hill through to the Blue Mountains, usually at the moments that matter most. Retirement. Super. Aged care for a parent, or for yourselves.

Under the tie and the heels, there's a whole lot of heart.

If any of that's on your mind lately, our door's open. (02) 9629 1866.

“We'll just live off the pension.”It's one of the most common things we hear, and we get it, it sounds simple.But the Ag...
29/07/2026

“We'll just live off the pension.”

It's one of the most common things we hear, and we get it, it sounds simple.

But the Age Pension is means tested. Both your assets and your income matter, and small changes in how your finances are structured can affect what you're entitled to more than you'd expect.

Swipe through for the basics:
→ Assets and income are both assessed, not just one
→ The family home has its own rules
→ Super, investments and how a couple's assets are split can all shift the outcome
→ Getting this wrong can mean missing out on entitlements you're actually owed

If you're approaching retirement, or helping a parent plan for it, this is worth mapping out before it matters, not after.

Call us on (02) 9629 1866 and we'll help you work through it.

This is general information and does not consider your circumstances. Before acting on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation or needs.

27/07/2026

Retirement is one of the biggest transitions a couple will face together. And it's one of the least talked about, right up until it's almost here.

We see it all the time. Two people who've built a life together for decades, and it turns out they've got quite different pictures of what retirement actually looks like.

One wants to travel. The other wants to be near the grandkids. One's ready to stop tomorrow. The other wants to keep going till 67.

None of that's a problem on its own. But it does need a plan, and that starts with an actual conversation, not a shared assumption.

We've written a full guide with the questions worth asking each other over a coffee, link's in bio, or read it here: https://creowealth.com.au/retirement-planning-for-couples-australia/

Or skip straight to us. Call (02) 9629 1866.

This is general information and does not consider your circumstances. Before acting on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation or needs.

Address

Level 3/331 High Street
Penrith, NSW
2750

Opening Hours

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

Telephone

+61296291866

Website

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