Service
At Principal Edge, we help you define your financial goals with clarity, offer expert insight built on decades of experience, and walk beside you through every step.
The service
Financial planning is not a one-time document — it is an ongoing relationship between you and an adviser who genuinely understands your life. At Principal Edge, we start by listening: understanding what matters most to you, the risks you want to avoid, and the future you want to build.
Our comprehensive consultative approach surfaces goals you may not have fully articulated — not just retirement savings targets, but the lifestyle you want, the security you need, and the legacy you hope to leave. Every plan we create reflects those priorities, not a generic product shelf.
We review and adjust your plan as your circumstances evolve — a job change, a property purchase, an inheritance, or a regulatory change to superannuation. You are never left managing a static document that no longer reflects where you are.
What's included
Goal setting & prioritisation
Structured discovery to define short, medium and long-term goals and establish the financial targets that will get you there.
Cashflow & budgeting strategy
Understanding your income, spending, and surplus so your plan is grounded in what's actually achievable — and shows where to optimise.
Risk & insurance review
Assessing your income protection, life, TPD, and trauma cover to ensure your plan is protected against unexpected events.
Investment strategy
Coordinating your investment portfolio with your plan's return requirements, risk tolerance, and timeline. Linked directly to our investment management service.
Retirement planning
Projecting your retirement position, modelling different retirement ages and income levels, and building a strategy that makes your transition sustainable.
Estate planning considerations
Reviewing beneficiary nominations, superannuation death benefit strategies, and asset ownership structures to ensure your plan reflects your wishes.
Common questions
A Principal Edge financial planner works with you to define your goals, assess your current financial position, and design a comprehensive strategy covering investment, superannuation, cashflow, insurance, and retirement. The focus is always on your specific circumstances, not generic advice.
Principal Edge is a privately owned, independent practice. Unlike bank-aligned planners, our advisers have no obligation to recommend institutional products. Every recommendation is shaped entirely by your needs and goals — not a distribution agreement or platform incentive.
We advise clients across all life stages: wealth accumulation in your 30s and 40s, pre-retirement planning in your 50s, retirement transition, and managing drawdown and estate considerations in retirement. Each stage requires a fundamentally different strategy, and we adjust with you as you move through them.
Review frequency depends on your circumstances and the complexity of your plan. Most clients meet with their adviser at least annually, with additional meetings when significant life events — a job change, inheritance, or major market movement — warrant a strategy review.
For a productive first meeting, it helps to have a rough picture of your assets, liabilities, income, and existing superannuation balances. More importantly, come ready to discuss your goals — what financial security looks like to you, when you want to retire, and what you'd like to leave behind.
Yes. Insurance is an integral part of a comprehensive financial plan. We review your income protection, life, total and permanent disability, and trauma cover requirements as part of the planning process, ensuring your plan is protected against unexpected events.
Financial planning sets the strategic direction — your goals, timeline, and risk parameters. Investment management executes within those parameters, constructing and maintaining a portfolio designed to deliver the returns your plan requires. The two disciplines work together under one roof at Principal Edge.
We incorporate estate planning considerations — including superannuation death benefit nominations, trust structures, and asset titling — into your broader financial plan. We work alongside your legal advisers to ensure your plan reflects your wishes for the future.
Also available
Investment Management
Institutional grade investment oversight for private wealth — disciplined portfolio construction with independent, rigorous oversight.
Learn more →Superannuation Advice
Specialist guidance on superannuation strategy, including advice for clients navigating changes to larger balances.
Learn more →Locations
Level 3, Bay House, 2 Guilfoyle Ave, Double Bay NSW 2028
Level 17, Suite 3, 20 Bond St, Sydney NSW 2000
Office Hours
Monday – Friday
8:30 AM – 5:30 PM