Fitzpatricks Advice Partners has been helping Australians build, protect and transition wealth since 1994. A team of dedicated advisers, united by a shared philosophy.
Fitzpatricks Advice Partners has been helping Australians build, protect and transition wealth since 1994. A team of dedicated advisers, united by a shared philosophy.
Fitzpatricks Advice Partners has been helping Australians build, protect and transition wealth since 1994. A team of dedicated advisers, united by a shared philosophy.
The Central Coast has attracted significant wealth while continuing to create its own. Fitzpatricks Advice Partners works with clients at exactly this level of complexity.
A discretionary trust, a self-managed super fund (SMSF), business equity, a succession plan and an evolving estate do not sit in separate conversations here, they are held together by one Lead Adviser who coordinates across all of it, bringing in the right specialists at the right time. That is where Fitzpatricks Advice Partners makes a difference.
Our advisers are known for having the in-depth conversations that many families find hard to start: family dynamics, succession, legacy and the purpose behind wealth. You have one person responsible for keeping every moving part aligned, coordinating the specialists your situation requires and ensuring every element of your strategy works together. With a deliberately low client-to-adviser ratio, your adviser has the time to truly understand your circumstances, priorities and ambitions.
Many of our Central Coast clients are successful professionals, executives and business owners whose financial lives have grown in complexity over time. Some have relocated from Sydney and brought established wealth structures with them. Others have spent decades building businesses and investment portfolios locally.
We also work with retirees and pre-retirees managing significant superannuation (including SMSFs) and property holdings, families building intergenerational wealth across multiple assets, and executives who still work in Sydney but want their financial affairs managed where they live.
If your financial position has grown in complexity, this is how we can help.
Our Central Coast team brings deep technical expertise and a client-first approach to every relationship.
Each of the following services is delivered through the Lead Adviser model: one senior Fitzpatricks Advice Partners adviser who understands the full picture of your financial life and coordinates across the specialists you need.
For many Central Coast clients, including business owners, executives and professionals, wealth is rarely held in a single structure. Investment decisions need to align with trusts, superannuation, business interests and long-term family objectives.
At Fitzpatricks Advice Partners, portfolio strategy begins with a clear understanding of who you are: your goals, your genuine capacity for risk and what your portfolio needs to do alongside your broader wealth. From that foundation, we build and oversee a portfolio through a curated panel of specialist investment managers, each subject to ongoing research. Investment strategy is never considered in isolation. Each investment decision connects to your tax position, estate plan and wealth structuring.
The Central Coast has a substantial small and medium enterprise (SME) community across trades, construction, healthcare, hospitality and professional services. Many of these businesses represent their owners' most significant asset. Fitzpatricks Advice Partners coordinates the legal, tax and investment dimensions of a business exit through one Lead Adviser, working alongside your solicitor, accountant and business broker so every decision reflects the same plan. For most owners, that is a three to five year process, not a six-month exercise.
Read more about business succession and wealth transfer
A significant transfer of wealth between Australian generations is already underway. For Central Coast families managing wealth across generations, a Lead Adviser who knows the whole family, including the children, provides a continuity of relationship that is difficult to replicate.
The discussions that matter most at this level are rarely about legal mechanics. They are about values, what each generation is expected to steward, how decisions will be made when the family is under pressure, and what the wealth is ultimately for. These are the issues most families defer the longest. At Fitzpatricks Advice Partners, we are practised at leading them, and at translating what emerges into governance frameworks, Family Charters and Family Council arrangements that give those agreements structure and permanence.
Central Coast business owners in trades, construction, professional services and healthcare carry real personal liability exposure through directorships, personal guarantees and professional indemnity obligations. At this level of complexity, a decision about a trust structure may have consequences for your binding death benefit nomination, your income splitting arrangements and how assets pass between generations. Your Lead Adviser coordinates the legal, financial and governance dimensions through a single ongoing relationship.
Read more about wealth structuring and family governance
For families who have reached the point where managing wealth across multiple entities, advisers and generations is itself a full-time challenge, a virtual family office structure brings coherence across every dimension. Fitzpatricks Advice Partners acts as the central coordinating point across every adviser in your life. Clients describe it as having a family CFO: someone with accountability for keeping every part of the strategy connected, coordinating specialists and ensuring every decision remains aligned.
Read more about emerging family office servicesAt Fitzpatricks Advice Partners, the relationship begins not with your portfolio, but with your goals and the life you want your wealth to support. Your Lead Adviser oversees every dimension of your financial life, from investment strategy and wealth structuring to estate planning and business succession. They coordinate the right specialists at the right time and ensure every decision remains aligned with your family's objectives.
Clients often describe their Lead Adviser as a family CFO: someone who brings clarity, coordination and accountability to complex financial affairs, ensuring every adviser and every strategy is working towards the same outcome.
The region’s demographic profile matters here: almost 29% of Central Coast residents are aged 60 or over, well above the Greater Sydney average of 20%. Many of these business owners are at, or approaching, retirement age. Succession planning is becoming one of the most time-sensitive issues in the region.
The succession planning process begins well before any exit decision is made. It includes a business valuation, a capital gains tax (CGT) minimisation strategy, a review of ownership and trust structures, a plan for leadership transition, and alignment with the estate plan. For most owners, that is a three to five year body of work, not a single transaction.
Most Central Coast businesses are worth more than their owners have formally structured for. Without a succession plan, that value is often poorly realised: rushed sales at below-market prices, unresolved CGT exposure, loss of key staff, and in family businesses, conflict that was never anticipated. The business that took 30 years to build deserves more than a six-month window to sell. The right starting point is speaking with a Lead Adviser, well before any exit decision is made.
Fitzpatricks Advice Partners approaches succession planning with your whole situation in mind: the succession plan must align with the client's investment strategy, estate plan, superannuation structure and long-term wealth goals. That integrated approach complements the valuable work performed by accountants and solicitors, while ensuring investment strategy, estate planning, superannuation and succession planning remain connected.
Your goals, your concerns, and what you want your wealth to achieve for you and your family. Our advisers know how to ask the right questions to uncover what matters most, often surfacing opportunities and challenges you may not have considered.
From that conversation, your Lead Adviser builds a complete picture of your financial and family situation before any recommendations are made. A strategy is then developed that coordinates across investment, tax, estate planning and structures. Once in place, it is reviewed as life changes. Whether it is a business sale, a family event or a market shift, your Lead Adviser stays ahead of what is changing and ensures the plan stays aligned with your goals and your family's situation, bringing in experts as required.
The Central Coast is NSW’s third-largest local government area, with a population of more than 350,000 projected to reach 404,000 by 2041. Its median age is 43, with almost 29% of residents aged 60 or older, well above the Greater Sydney average of around 20%. Property values have more than doubled over the past decade, and many long-term residents and business owners have built substantial equity, often without a plan for how to structure, protect or transfer it.
The sea-change phenomenon has accelerated, as Sydney professionals and executives normalised hybrid and remote work and relocated permanently. The Central Coast is within an hour’s drive of Sydney CBD, with rail currently closer to 80 minutes; planning is underway for a high-speed rail stop at Gosford that would cut the trip to around 30 minutes. These clients are not looking for a basic superannuation review. They want the same quality of financial planning they had access to in Sydney, available where they live.
Fitzpatricks Advice Partners works with clients across the Central Coast, Sydney, Newcastle and the surrounding regions.