Financial Spectrum - Financial Planners Sydney

Financial Spectrum - Financial Planners Sydney Financial Spectrum is a privately-owned financial planning practice with offices across Sydney. Contact us for a free strategy meeting.

Helping you live a great life

At Financial Spectrum, we focus on one thing – helping you live a great life by making smart decisions with your money. Uncompromised, expert financial advice

We’re privately-owned, meaning we work solely for our clients and not for the financial institutions whose products we may recommend. We charge a fee for our services and take no commissions — a feature that s

ets us apart in the financial planning industry. Our goal is to help you achieve yours

Using our trademark client-centered advice process, we take the time to understand exactly what you would like to achieve in your life and put together a custom-designed road map that supports all of your requirements and helps you achieve your dreams. We can get you the future you want

We’re a leader in the financial advice industry, backed by years of experience. We’re so confident about creating value for you, that we guarantee it with a 100% money back guarantee.

Handbags, shoes, makeup and dogs are some of the more surprising deductions you can make at tax time. Find out what you ...
27/05/2026

Handbags, shoes, makeup and dogs are some of the more surprising deductions you can make at tax time. Find out what you may be able to claim.
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Handbags, dance classes and dogs are just some of the things Australians can claim a tax deduction on. Find out if you can too.

Just because a bank says you can borrow a certain amount does not mean you should. This article explores the difference ...
19/05/2026

Just because a bank says you can borrow a certain amount does not mean you should. This article explores the difference between borrowing capacity and true affordability, and how to make a property decision that supports the life you actually want.
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A bank’s borrowing limit is not always your real budget. Learn how to borrow with confidence while protecting your lifestyle and future goals.

Last night's federal budget was the most significant shift in investment tax in roughly thirty years.The 50% CGT discoun...
12/05/2026

Last night's federal budget was the most significant shift in investment tax in roughly thirty years.

The 50% CGT discount is being abolished from 1 July 2027. Negative gearing on established residential property was restricted from last night. A 30% minimum tax will apply to discretionary trust distributions from 2028. Super, notably, is untouched.

For households with investment properties, share portfolios with meaningful unrealised gains, or assets held in family trusts, the 18 months between now and 1 July 2027 is a genuine planning window. Used well, it can mean a materially better outcome. Left untouched, a materially worse one.

Financial Spectrum's Managing Director Brenton Tong has written a plain-English walk-through of what has changed, what is grandfathered, and where the real planning decisions sit.

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The 2026-27 federal budget reshapes CGT, negative gearing and trust taxation. A plain-English walk-through of what it means for your money.

The forces driving Australian property have shifted. For anyone with property already in their plan, or thinking about a...
11/05/2026

The forces driving Australian property have shifted. For anyone with property already in their plan, or thinking about adding it, the question worth asking isn’t where to buy next. It’s whether the property you own, or the property you’re considering, still fits the life you’re building.
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Australian property's growth drivers have shifted. Here's what it means for your wealth plan, whether you already own investment property or are considering it.

From 1 July 2026, employers must pay super on payday, not quarterly. Here’s what’s changing for business owners, includi...
01/05/2026

From 1 July 2026, employers must pay super on payday, not quarterly. Here’s what’s changing for business owners, including new calculation methods, tighter penalties, and what to do now to prepare.
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Payday super starts 1 July 2026. Here's what employees need to know about more frequent super payments, stronger protections, and how to check you're getting what you're owed.

Moving back to Australia after working overseas can create major financial opportunities, or costly mistakes. Learn how ...
01/05/2026

Moving back to Australia after working overseas can create major financial opportunities, or costly mistakes. Learn how to protect your wealth and make smarter decisions.
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Returning to Australia after working overseas? Avoid costly tax, super and investment mistakes with smart financial advice.

You might be wondering whether a financial planner can really make a difference. Fair question.Here's how we approach it...
22/04/2026

You might be wondering whether a financial planner can really make a difference. Fair question.

Here's how we approach it: we start by understanding your situation, your family, and what matters most to you. Then we explore multiple strategies side by side so you can see the actual impact on your life, not just numbers on a spreadsheet.

The goal is a plan that excites you and gives you confidence you're heading in the right direction.

Watch the short video to see what working with us looks like: https://www.youtube.com/watch?v=jlpuOuvOu4c

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Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.

CGT changes are back in focus ahead of the Budget. Financial Spectrum senior adviser Antony Selby CFP® explains what it ...
16/04/2026

CGT changes are back in focus ahead of the Budget. Financial Spectrum senior adviser Antony Selby CFP® explains what it really means for your property strategy.
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CGT changes in Australia may be coming in the Federal Budget. Should property investors act now? Learn what it means and what to do.

There's no shortage of financial information out there. The problem isn't access. It's clarity.Most people don't need mo...
15/04/2026

There's no shortage of financial information out there. The problem isn't access. It's clarity.

Most people don't need more data. They need someone to help them make sense of what their life could actually look like, and build a plan that gets them there.

That's what we do at Financial Spectrum. We help you cut through the noise, understand your options, and take control of your financial future with confidence.

Watch the short video to see how we work https://www.youtube.com/watch?v=i4FIfaicHc0

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Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.

From 1 July 2026, employers must pay super on payday, not quarterly. Here’s what’s changing for business owners, includi...
10/04/2026

From 1 July 2026, employers must pay super on payday, not quarterly. Here’s what’s changing for business owners, including new calculation methods, tighter penalties, and what to do now to prepare.
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Payday super starts 1 July 2026. Here's what Australian business owners need to know about the shift from quarterly to payday super payments.

Address

Level 17, 456 Kent Street
Sydney, NSW
2000

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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