At Insight Wealth Planning, we offer comprehensive financial advice that meets you wherever you are on your financial journey. Whether you’re just getting started, building wealth in mid-career, transitioning into retirement, or navigating a more complex situation like aged care or estate planning, our team is here to guide you with practical, tailored advice.
We’re based in Newcastle and work with individuals, families and small business owners right across the Hunter and Central Coast — and increasingly with clients who’ve moved away but want to keep their advice relationship going.
Advice across every life stage
Our services are organised around the stage of life you’re in, because financial priorities change as you do. We’d love to hear what’s on your mind — and we can usually point you to the right starting point in a single conversation.
Foundations →
For young couples, families and first-home buyers
The financial decisions you make in your 20s and 30s shape everything that follows. Our Foundations service helps you buy your first home, optimise your super early, get the right insurance in place, and plan for the family you have — or the family you’re thinking about starting.
Wealth Builder →
For established professionals ready to accelerate
If your foundations are in place and you’re ready to start building real wealth, our Wealth Builder service maps a strategy across property, shares, super and SMSFs. We help you balance lifestyle today with long-term goals — and give you choices about how much you work and when you’d like to step back.
Pre-Retiree →
For those approaching retirement
The decade before retirement is when the biggest opportunities — and risks — appear. We help you make the most of higher super contribution caps, plan the transition out of full-time work, model what your retirement income will actually look like, and make sense of Centrelink and Age Pension entitlements.
Retire in Style →
For those already in retirement
Drawing an income confidently in retirement is a different skill from saving for it. We help you structure your portfolio to last, navigate the Age Pension assets and income tests, plan tax-effective withdrawals, and make sure you’ve got a strategy that gives you freedom — not anxiety — about market dips.
Self-Managed Super Funds →
For those ready to take more control
SMSFs aren’t for everyone — but for the right person, they offer powerful flexibility around investments, tax and estate planning. We help with SMSF setup, ongoing administration and strategic advice, including more complex arrangements like SMSF property borrowing and contributing business assets.
Life Insurance & Income Protection →
Protecting what matters most
Personal insurance is one of those things that feels easy to put off — until you really need it. We assess your situation across life, total and permanent disability, trauma, and income protection cover, and recommend the right mix and structure (often using your super to fund it).
Investing in Aged Care Decisions →
Navigating one of life’s hardest financial decisions
Aged-care decisions usually arrive at an emotional, time-poor moment. We help families understand the lump-sum vs daily-payment trade-off (RADs and DAPs), the impact of selling — or keeping — the family home, the Age Pension assets test consequences, and the new rules that took effect from 1 November 2025.
Read our plain-English guide: Refundable Accommodation Deposits (RADs) Explained →
How we work
Every Insight Wealth Planning relationship follows the same proven structure:
- Free initial meeting — no charge, no obligation. We get to know you, you get to know us, and we sketch out how we might help.
- Discovery and analysis — we take a clear-eyed look at where you are today: income, super, assets, debts, insurances and goals.
- Tailored Statement of Advice — a written plan setting out our recommendations, the reasoning behind them, and the fees involved.
- Implementation — we coordinate the moving parts, so you don’t have to wrestle with PDS documents and paperwork on your own.
- Ongoing review — life changes. Markets change. Legislation changes. Regular reviews keep your strategy current.
See our fees and costs → — we’re upfront about what advice costs and why.
The CARE® philosophy in practice
Every recommendation we make is built around our CARE® evidence-based advice philosophy — an outcome-based approach that puts your goals at the centre and uses long-term evidence (not market noise) to get you there.
The CARE® Investment Committee reviews our investment approach regularly to make sure it stays grounded in evidence, not opinion. Learn more about our investment governance →
Licensed and accountable
Insight Wealth Planning is a Corporate Authorised Representative of GPS Wealth Ltd (AFSL 254544) — one of Australia’s most respected non-aligned licensee groups, independent of any bank, fund manager or insurer.
That structure matters: the advice you get from us is based on what’s right for you, not what’s on a parent company’s product list.
Where to start
Not sure which service is right for you? That’s exactly what the free initial consultation is for. Have a chat with us, tell us what’s on your mind, and we’ll point you to the right starting point — or refer you on if your situation needs something we don’t offer.
Book a free initial consultation →
Or get in touch with our Newcastle team → on (02) 4941 1888 or contact@insightadvice.com.au.
This page is general information only and doesn’t take into account your personal objectives, financial situation or needs. Before making any decisions, please speak with a financial adviser about your individual circumstances. Insight Wealth Planning Pty Ltd is a Corporate Authorised Representative of GPS Wealth Ltd, ABN 17 005 482 726, AFSL 254544.