Financial Complexity Shouldn't Keep You Up at Night
Most Australians over 35 face mounting financial pressures — and the stakes only grow higher with every passing year.
Retirement Uncertainty
Will your super be enough? With rising cost of living and longer life expectancy, many Australians risk outliving their savings without a proper strategy.
Tax & Regulatory Maze
Australia's tax landscape is constantly shifting. Navigating CGT, negative gearing, SMSF rules, and franking credits on your own can cost you thousands.
Scattered Investments
Multiple super accounts, property, shares, and term deposits — without a unified strategy, your wealth isn't working as hard as it should be.
Our Solutions
A Clear Path to Financial Freedom
We cut through the noise and build personalised strategies that align your money with your life goals — so every dollar has a purpose.
Comprehensive Wealth Strategy
Super optimisation, investment allocation, and tax-efficient structures tailored to your life stage and goals.
Retirement Confidence Roadmap
Know exactly when you can retire and how much income you'll have — with built-in buffers for peace of mind.
Estate & Legacy Planning
Protect your family's future with wills, trusts, and succession plans that ensure your legacy endures.
Ongoing Advisory Partnership
Regular reviews, market updates, and proactive adjustments — we're with you every step of the journey.
How It Works
Your Journey to Financial Clarity in 4 Simple Steps
We've refined our process over 18 years to deliver maximum value with minimal complexity.
01
Free Discovery Call
A 30-minute no-obligation conversation to understand your situation, goals, and concerns. We'll outline whether we're the right fit for you.
02
Deep Financial Analysis
We examine your entire financial picture — income, assets, super, debt, insurance, and tax position — to find hidden opportunities and risks.
03
Personalised Strategy Delivery
Receive a clear, jargon-free financial plan with actionable recommendations. We walk you through every detail until you're 100% confident.
04
Ongoing Partnership & Review
Quarterly check-ins, annual reviews, and proactive adjustments ensure your plan evolves with your life. We're always just a call away.
Client Stories
Real Results from Real Australians
Don't just take our word for it — hear from families who've transformed their financial future with our guidance.
"We were drowning in complexity — three super funds, an IP, shares, and no clue if we were on track for retirement. Sinopia untangled everything and gave us a clear plan. We're now set to retire at 58 instead of 65."
MR
Margaret & Robert Haslam
Retired Professionals, Melbourne VIC
"After selling my business, I had a significant capital event and no strategy. The Sinopia team saved me over $180,000 in tax through smart structuring. They genuinely care about their clients' wellbeing."
DW
David Whitmore
Former Business Owner, Sydney NSW
"I was widowed at 52 and had never managed finances alone. Sinopia treated me with compassion and patience. Three years later, I'm financially independent and confident about my future."
SC
Susan Caldwell
School Principal, Brisbane QLD
About Sinopia Finance Group
Built on Trust, Driven by Results
Founded in 2008 in Sydney, Sinopia Finance Group was born from a simple belief: every Australian deserves access to world-class financial advice — not just the ultra-wealthy.
Our team of Certified Financial Planners (CFP®), Chartered Accountants, and estate planning specialists work collaboratively to deliver holistic strategies that protect and grow your wealth across every life stage.
As an independently owned practice, we have no product affiliations — our only allegiance is to you and your family's financial wellbeing.
CFP®
Certified Financial Planners
FPA
Member, Financial Planning Assoc.
SMSF
Specialist SMSF Advisors
100%
Independent & Fee-Only
Since 2008
Serving Australian families with integrity, expertise, and unwavering dedication to your financial success.
12
Team Members
4
State Offices
6
CFP® Advisors
Get Started Today
Your Free Consultation Is One Click Away
Stop wondering "what if" and start building the financial future you deserve. Our complimentary 30-minute discovery call is completely obligation-free — and it could be the most valuable half-hour you invest this year.
100% confidential · No obligation · No hidden fees
Terms and Conditions
Effective Date: 1 January 2024 | Last Updated: 15 March 2026
1. Acceptance of Terms
By accessing and using the website sinopiafinancegroup.com (the "Website"), you accept and agree to be bound by the terms and conditions set forth herein ("Terms"). If you do not agree to these Terms, you must not use or access the Website. These Terms constitute a legally binding agreement between you ("User", "you", or "your") and Sinopia Finance Group Pty Ltd (ABN 47 629 185 304) ("Sinopia", "we", "us", or "our").
2. Description of Services
Sinopia Finance Group provides financial consulting, wealth management, retirement planning, superannuation advisory, and related financial services to individuals and businesses across Australia. The content on this Website is provided for general informational purposes only and does not constitute personal financial advice. Any information, commentary, or opinion presented on the Website should not be relied upon as a substitute for professional financial advice tailored to your individual circumstances.
3. No Financial Advice Disclaimer
The information provided on this Website is general in nature and does not take into account your personal objectives, financial situation, or needs. Before acting on any information provided on this Website, you should consider the appropriateness of the information having regard to your objectives, financial situation, and needs and seek independent financial advice from a licensed financial advisor. Past performance is not a reliable indicator of future performance.
4. User Obligations
You agree to use the Website only for lawful purposes and in accordance with these Terms. You must not: (a) use the Website in any way that breaches applicable local, national, or international law or regulation; (b) use the Website to transmit any unsolicited advertising or promotional material; (c) access or attempt to access any other user's account or any restricted areas of the Website; (d) introduce any viruses, trojans, worms, or other material that is malicious or technologically harmful.
5. Intellectual Property
All content on this Website, including but not limited to text, graphics, logos, images, data compilations, software, and the compilation thereof, is the property of Sinopia Finance Group Pty Ltd or its content suppliers and is protected by Australian and international copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from this Website without prior written consent from Sinopia Finance Group.
6. Privacy
Your use of this Website is also governed by our Privacy Policy. By using this Website, you consent to the collection and use of information as described in our Privacy Policy.
7. Limitation of Liability
To the fullest extent permitted by law, Sinopia Finance Group, its directors, employees, affiliates, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your access to or use of the Website, whether based on warranty, contract, tort (including negligence), strict liability, or any other legal theory, even if we have been advised of the possibility of such damages. Our total liability to you for all claims arising from the use of the Website shall not exceed the amount paid by you, if any, for accessing the Website during the twelve (12) months preceding the claim.
8. Indemnification
You agree to indemnify, defend, and hold harmless Sinopia Finance Group, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or related to your use of the Website, your violation of these Terms, or your violation of any rights of a third party.
9. Third-Party Links
The Website may contain links to third-party websites or services that are not owned or controlled by Sinopia Finance Group. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Sinopia Finance Group shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.
10. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New South Wales, Australia, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts of New South Wales, Australia, for the resolution of any disputes arising from these Terms or your use of the Website.
11. Changes to Terms
We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use the Website after those revisions become effective, you agree to be bound by the revised Terms.
12. Contact Information
For any questions regarding these Terms and Conditions, please contact us at: Sinopia Finance Group Pty Ltd Level 12, 225 George Street, Sydney NSW 2000, Australia Email: [email protected] Phone: (02) 8912 4637
Privacy Policy
Effective Date: 1 January 2024 | Last Updated: 15 March 2026
1. Introduction
Sinopia Finance Group Pty Ltd (ABN 47 629 185 304) ("we", "us", "our") is committed to protecting the privacy and security of personal information we collect from individuals. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information in accordance with the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
2. Information We Collect
We may collect the following types of personal information:
Name, date of birth, and contact details (email address, phone number, postal address)
Financial information including income, assets, liabilities, superannuation details, tax file number, and insurance details
Employment and occupation details
Government identification numbers (such as tax file numbers) where required by law
Website usage data including IP address, browser type, pages visited, and cookies
Information provided during consultations, correspondence, and service interactions
3. How We Collect Information
We collect personal information directly from you when you: fill out forms on our Website, request a consultation or our services, subscribe to our newsletter, correspond with us via email or telephone, or interact with us through social media platforms. We may also collect information from third parties such as referral partners, financial product providers, and publicly available sources where lawful and fair to do so.
4. Purpose of Collection
We collect and use your personal information to: provide financial consulting and advisory services, prepare financial plans and strategies, comply with legal and regulatory obligations (including Anti-Money Laundering and Counter-Terrorism Financing Act requirements), communicate with you regarding our services, improve our Website and services, send you marketing communications (with your consent), and manage our business operations and internal record-keeping.
5. Disclosure of Personal Information
We may disclose your personal information to: financial product providers and platforms involved in implementing your financial plan, our professional advisors (such as accountants, auditors, and lawyers), regulatory bodies and government agencies as required by law (including ASIC and the ATO), technology service providers who assist in operating our Website and business systems, and third-party service providers who assist us in delivering our services. We will not sell, rent, or trade your personal information to any third party for their marketing purposes.
6. Data Security
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. Security measures include encrypted data storage, secure access protocols, regular security audits, staff training on data handling procedures, and physical security measures at our offices. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security of your data.
7. Cookies and Website Tracking
Our Website uses cookies and similar tracking technologies to enhance your browsing experience, analyse website traffic, and understand user preferences. You can manage your cookie preferences through your browser settings. Please note that disabling cookies may affect the functionality of certain features on our Website.
8. Your Rights
Under the Australian Privacy Principles, you have the right to: access the personal information we hold about you, request correction of inaccurate or outdated information, request deletion of your personal information (subject to legal obligations), opt-out of receiving marketing communications, and lodge a complaint about our handling of your personal information. To exercise any of these rights, please contact our Privacy Officer using the details provided below.
9. Retention of Information
We retain personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable laws and regulations. Financial records and client files are retained for a minimum of seven (7) years following the end of our advisory relationship, in accordance with Australian regulatory requirements.
10. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will notify you of any material changes by posting the updated policy on our Website with a revised effective date. We encourage you to review this policy periodically.
11. Complaints
If you believe your privacy has been breached or you wish to make a complaint about our handling of your personal information, please contact our Privacy Officer. We will investigate your complaint and respond within 30 days. If you are not satisfied with our response, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
12. Contact Our Privacy Officer
Privacy Officer Sinopia Finance Group Pty Ltd Level 12, 225 George Street, Sydney NSW 2000, Australia Email: [email protected] Phone: (02) 8912 4637
Impressum — Legal Disclosure
Company Information
Company Name: Sinopia Finance Group Pty Ltd Trading As: Sinopia Finance Group Website: www.sinopiafinancegroup.com
Registered Office
Level 12, 225 George Street
Sydney, New South Wales 2000
Australia
Australian Business Number (ABN): 47 629 185 304 Australian Company Number (ACN): 629 185 304 Registered with: Australian Securities & Investments Commission (ASIC) Date of Registration: 14 February 2008 Company Type: Australian Proprietary Company, Limited by Shares Company Status: Registered
Managing Directors
James R. Thornton — Managing Director & Chief Executive Officer Catherine M. Albright — Director & Chief Operating Officer
Licensing & Regulatory Information
Australian Financial Services Licence (AFSL): No. 318276 Licensee: Sinopia Wealth Holdings Pty Ltd (ABN 23 517 482 916)
Sinopia Finance Group Pty Ltd is a Corporate Authorised Representative (CAR No. 001289453) of Sinopia Wealth Holdings Pty Ltd, which holds an Australian Financial Services Licence issued by the Australian Securities & Investments Commission (ASIC).
Professional Memberships
Financial Planning Association of Australia (FPA) — Member
Self Managed Super Fund Association (SMSFA) — Specialist Member
Association of Financial Advisers (AFA) — Member
Tax Practitioners Board — Registered Tax (Financial) Adviser
Professional Indemnity Insurance
Sinopia Finance Group maintains Professional Indemnity Insurance cover as required under Section 912B of the Corporations Act 2001 (Cth). Our insurance coverage is adequate to meet the requirements of our AFSL obligations and satisfies the compensation arrangements mandated by ASIC.
Dispute Resolution
Sinopia Finance Group is a member of the Australian Financial Complaints Authority (AFCA). AFCA Member Number: 48291
If you have a complaint that has not been resolved to your satisfaction after contacting us directly, you may refer your complaint to:
Sinopia Finance Group Pty Ltd is registered for Goods and Services Tax (GST) purposes with the Australian Taxation Office (ATO).
Disclaimer
The information on this website is general information only and does not constitute personal financial advice. It has been prepared without taking into account your personal objectives, financial situation, or needs. Before acting on any information on this website, you should consider the appropriateness of the information having regard to your objectives, financial situation, and needs. Sinopia Finance Group recommends that you seek professional financial advice before making any financial decisions.
Liability for Content
As a service provider, we are responsible for our own content on these pages in accordance with applicable Australian law. We make reasonable efforts to ensure that the content of this website is accurate and up to date. However, we cannot guarantee the accuracy, completeness, or timeliness of all information provided. Any liability for damages arising from the use or non-use of the information provided, or from the use of incorrect or incomplete information, is excluded unless there is evidence of wilful intent or gross negligence on our part.
Liability for Links
Our website contains links to external websites of third parties over which we have no control. Therefore, we cannot accept any liability for the content of these external sites. The respective provider or operator of the linked pages is always responsible for their content. The linked pages were checked for possible legal violations at the time of linking. Illegal content was not apparent at the time of linking. Continuous monitoring of the content of linked pages is not reasonable without concrete evidence of a legal violation.
This legal disclosure was last updated on 15 March 2026.
🍪 We Value Your Privacy
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