Informal, friendly Q & A with Matthew Lloyd today. I had a bunch of questions about my finances & he was able to explain & give me all the info I needed in a way that was easy to understand. A relaxed & positive experience for me. 😊
Address 1/17-21 Gray Street, Sutherland NSW 2232
Phone (02) 9545 0488
— Our Sutherland office
Part of your community
since the beginning.
AGS has advised Sutherland Shire families and businesses since 2011, when the acquisition of the GAN practice brought accounting and a well-developed SMSF offering into the group. In September 2026, AGS acquired Hartley Financial and Tax & Wealth, established Shire firms whose office at 1/17-21 Gray Street, Sutherland is now our home in the area. The Sutherland office brings those teams together under the full integrated AGS service of planning, accounting, lending and SMSF advice, and carries a particularly deep accounting and SMSF heritage.
Postal: PO Box 485, Sutherland NSW 1499
Getting here
Located at 1/17-21 Gray Street Sutherland, a short walk from Sutherland railway station and the Sutherland town centre, just off the Old Princes Highway. Street parking is available on Gray Street and surrounding streets. Phone lines are open 8:30am to 7:00pm, Monday to Friday. Office visits are by appointment, including early mornings and evenings by arrangement, so book ahead rather than dropping in. Online meetings are also available for clients who prefer not to travel.
— What we offer in Sutherland
Every service you need,
under one roof.
Wealth & retirement
Start with a plan
Financial Planning
Wealth creation, retirement and insurance advice for Shire households, including the strong base of long-tenured retirees and pre-retirees who've lived in the area for decades, and younger Cronulla and Caringbah families balancing mortgages, super and education costs.
Learn more → Strategic PrioritySMSF Advice
A well-developed SMSF offering built over 15+ years. Full strategy, administration, compliance and audit for Shire-based self-managed super funds.
Learn more → Retire with ConfidenceRetirement Planning
Modelling how much you need, when you can stop and how to draw a tax-effective retirement income. Delivered from Sutherland for the Shire's substantial pre-retiree and self-funded retiree community, with AGS's SMSF specialists alongside.
Learn more → Turn Debt into WealthDebt Recycling
Convert non-deductible home loan interest into deductible investment interest. Structured jointly by your Sutherland planner and AGS mortgage broking for Shire households with home equity and surplus cashflow.
Learn more → Clarity & CareAged Care
Aged-care fee modelling, Centrelink implications and family conversations, coordinated with your broader retirement and estate plan.
Learn more →Tax & business
The Proactive Difference
Accounting & Tax
Tax, compliance, bookkeeping, SMSF accounting and business advisory. Accounting has been a core strength of our Shire team since it first joined AGS in 2011.
Learn more → Employer of ChoiceCorporate Benefits
Corporate super and group insurance for mid-to-large employers. Delivered nationally by AGS's specialist corporate benefits team.
Learn more →Property & estate
Borrow Smart
Mortgage Broking
Home loans and refinancing across the Shire: first-home buyers in Caringbah and Engadine, family upgrades in Cronulla and Burraneer, and the bridging finance often needed for tightly-held Shire properties that turn over slowly and rarely come back to market.
Learn more → Peace of MindEstate Planning
Wills, powers of attorney and beneficiary planning, including the multi-generational planning common for long-established Shire households, and the binding SMSF nominations that often need updating alongside.
Learn more → Grow with PropertyProperty Advice
Independent property strategy and buyer's advocacy, coordinated with AGS lending and planning teams so any purchase fits the wider financial plan.
Learn more →— Service areas
The Sutherland office serves clients across:
— Google reviews
What Sutherland clients say.
from 41 Google reviewsView on Google →
Big thank you to Kane. Thanks for your help
Sophia gets my work done without fuss- excellent
Long term happy customer of AGS, and before it, Optima. Living in the US now, I've always been impressed and grateful by the assistance I've received managing with my remaining financial affairs in Australia, and my latest experience with Alex Berlee was no exception. Above and beyond problem solving. Thank you so much!!
— Questions answered
Sutherland
questions.
Can't find what you need? Call us on (02) 9545 0488.
Where is the AGS Sutherland office?
The Sutherland office is at 1/17-21 Gray Street, Sutherland NSW 2232, a short walk from Sutherland railway station and the town centre. It is our home in the Sutherland Shire, serving clients across Sutherland, Miranda, Cronulla, Caringbah and the wider Shire.
Which suburbs does the Sutherland office serve?
The Sutherland office serves clients across the Sutherland Shire, St George and Illawarra districts, including Sutherland, Miranda, Cronulla, Caringbah, Engadine, Kirrawee, Sylvania, Kareela, Gymea and Jannali. We also work with clients across broader NSW and Australia-wide via video and phone.
Is parking available at the Sutherland office?
Yes. The office is at 1/17-21 Gray Street Sutherland, close to the town centre and railway station. Street parking is available on Gray Street and surrounding streets. The office is accessible from across the Sutherland Shire.
Do you have strong SMSF expertise at Sutherland?
Yes. Our Shire team has one of AGS's most established SMSF practices, built over more than 15 years since accounting and SMSF first came into AGS in 2011. If you are looking for SMSF advice, administration or compliance in the Sutherland Shire, this is the right office.
Can I get to the Sutherland office by public transport?
Yes. Sutherland railway station is a short walk away on the T4 Eastern Suburbs & Illawarra line, making the office easy to reach from across the Sutherland Shire. Video meetings are also available if you'd prefer not to travel.