Comprehensive Financial Services
From building your investment portfolio to protecting your legacy, we provide expert advice across every dimension of your financial life.
Investment Management
Building and managing an investment portfolio that genuinely reflects your goals, timeline, and risk tolerance requires discipline, rigour, and experience. At Sheridans, we take an evidence-based approach to investing — grounded in decades of academic research rather than market speculation or product sales.
We construct diversified, cost-efficient portfolios tailored to your unique circumstances, and we monitor and rebalance your investments regularly to keep you on track through changing market conditions.
- Personalised investment strategy and asset allocation
- Diversified portfolio construction across asset classes
- Ongoing portfolio monitoring and rebalancing
- Tax-effective investment structuring
- Managed accounts, direct shares, and ETF solutions
- Regular performance reporting and strategy reviews
Retirement Planning
Retirement is not an event — it is a journey that begins years before you stop working and continues for decades after. The decisions you make in the years leading up to retirement can have a profound impact on the lifestyle you enjoy in it.
Our retirement planning specialists work with pre-retirees and retirees to develop strategies that maximise your superannuation, minimise tax, and create a sustainable income stream that lasts as long as you do.
- Superannuation accumulation and transition strategies
- Account-based pension and income stream setup
- Centrelink Age Pension optimisation
- Superannuation contribution strategies (concessional & non-concessional)
- Retirement cashflow modelling and projections
- Tax-effective drawdown strategies in retirement
Estate & Succession Planning
Your life's work deserves a thoughtful plan for what happens next. Estate and succession planning is about more than writing a will — it is about ensuring your assets are structured, protected, and transferred in a way that reflects your wishes and minimises unnecessary tax and conflict.
We work alongside your solicitor and accountant to build a comprehensive estate strategy, with particular expertise in helping business owners plan for the orderly succession of their business interests.
- Will and estate structure review and strategy
- Testamentary trust strategies
- Superannuation death benefit nominations and planning
- Business succession planning and buy-sell agreements
- Powers of attorney and enduring guardianship
- Family trust distribution and succession strategies
Insurance & Risk
Your ability to earn an income is your most valuable financial asset. Yet most Australians are significantly underinsured — leaving themselves and their families exposed to financial hardship in the event of illness, injury, or death.
Our insurance advisers conduct a thorough needs analysis to identify and close the gaps in your personal protection, recommending the right cover at the right level — and helping you avoid paying for cover you do not need.
- Life insurance — protecting your family's financial future
- Total and permanent disability (TPD) cover
- Income protection insurance
- Trauma / critical illness insurance
- Business expense insurance for self-employed clients
- Superannuation-held insurance review and optimisation
SMSF Advice
A Self-Managed Super Fund can be one of the most powerful wealth-building vehicles available to Australians — but it is also one of the most complex. Done correctly, an SMSF offers unparalleled control, flexibility, and tax-effectiveness. Done poorly, it can result in significant compliance risks and financial loss.
Our SMSF specialists provide end-to-end guidance — from deciding whether an SMSF is right for you, through establishment, ongoing strategy, and compliance — so you can make the most of your superannuation without the stress.
- SMSF suitability assessment and cost-benefit analysis
- SMSF establishment and trust deed setup
- Investment strategy development and documentation
- Borrowing within SMSF (limited recourse borrowing arrangements)
- Pension commencement and administration
- Compliance support and coordination with your SMSF auditor
Cashflow Planning
Every other financial goal — retiring comfortably, paying off your home, building an investment portfolio, protecting your family — depends on one thing: what you do with your cashflow. Cashflow planning is not about budgeting. It is about intentional allocation — deciding, in advance, where every dollar of your income will go and why.
At Sheridans, we use our Four Buckets framework to help clients understand how their income flows across four key destinations: repaying debt, building superannuation, saving and investing, and funding lifestyle. The proportion directed to each bucket — and how deliberately those proportions are chosen — is the single most powerful determinant of long-term financial outcomes. Two people on the same income can arrive at vastly different financial positions in 20 years based purely on how they fill their buckets.
- Personalised cashflow analysis and allocation strategy
- Four Buckets framework — debt, super, investments, lifestyle
- Debt elimination planning and mortgage acceleration
- Surplus cashflow redirection strategies
- Cashflow modelling across life stages and income changes
- Integration with investment, superannuation and tax planning
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