29+ Years advising Australians
6,000+ Clients across the country
$3.8B Funds under advice
8 Offices nationally
— Financial Planning in Sutherland
A Sutherland Shire team with real depth.
AGS has served the Sutherland Shire 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, and their Sutherland office on Gray Street is now our home in the Shire. For over 15 years our planners have helped Shire families, professionals and retirees build wealth, plan for retirement and protect what they've created.
Good financial advice joins up. Because AGS brings financial planning, accounting, SMSF and mortgage broking together under one roof, your Sutherland planner works directly with those specialist teams. And with one of AGS's most established SMSF practices right here in the Shire, your super strategy and financial plan are tightly coordinated.
Meet your adviser at our Gray Street office, close to the Sutherland town centre, or by phone and video, whatever fits your week.
— What we do
How we help Sutherland Shire families, professionals & retirees
Retirement planning
Modelling how much you'll need, when you can stop, and how to draw an income through retirement tax-effectively.
Learn more →Wealth creation
Investment strategy, asset allocation and structures to grow wealth in line with your goals and risk comfort.
Learn more →Superannuation strategy
Contribution strategies, consolidation and fund selection to make your super work harder before retirement.
Learn more →Personal insurance
Life, TPD, income protection and trauma cover sized to your obligations, and reviewed inside super where it makes sense.
Learn more →Pre-retirement planning
Transition-to-retirement, contribution caps and timing strategies for clients in the final decade before retiring.
Learn more →SMSF coordination
Advice on whether an SMSF suits you, working with AGS's specialist SMSF team for setup and ongoing strategy.
Learn more →— Local knowledge
Advice grounded in the Sutherland Shire.
The Sutherland Shire has a distinctive character: strong community ties, a high proportion of families and long-term homeowners, and a growing base of professionals and business owners. Our Sutherland planners understand those priorities and build strategy around them, not a generic template.
From Miranda, Cronulla and Caringbah to Sutherland, Gymea and Engadine, and across to the Illawarra and Wollongong, we advise Shire clients in person at our Gray Street office or online, whichever suits.
Book a free initial discussion— Also in Sutherland
One team, every service.
— Questions answered
Financial Planning in Sutherland
— your questions.
Can't find what you need? Call us on (02) 9545 0488.
Is the financial planning team actually based in Sutherland?
Yes. Sutherland is a full AGS office — our financial planners are based here and have been serving Sutherland Shire clients since 2011. You can meet your adviser in person at 1/17-21 Gray Street, or by phone and video if that suits you better.
How much does financial planning cost?
Your first initial discussion is free and carries no obligation. After that, advice is delivered on a transparent fee basis agreed with you in writing upfront. There are no hidden commissions on investment or super advice. The exact fee depends on the complexity of your situation.
What kind of clients do you work with in the Sutherland Shire?
A broad range. Shire families balancing a mortgage and school fees, professionals building wealth, business owners and retirees wanting their savings to last. The Sutherland team has deep experience with the family and lifestyle priorities that matter to Shire clients.
Can you coordinate my financial planning with SMSF, accounting and lending?
Yes. That's the point of AGS. Our Sutherland planners work alongside our specialist SMSF, accounting and mortgage teams. The Sutherland office also has one of AGS's most established SMSF practices, built over 15+ years, so SMSF and planning are tightly coordinated here.
How long has AGS served the Sutherland Shire?
AGS has advised the Sutherland Shire since 2011, when the GAN acquisition brought accounting and a well-developed SMSF practice into the group. In September 2026 AGS acquired Hartley Financial and Tax & Wealth, whose Sutherland office on Gray Street is now our Shire home. The office carries particularly deep expertise in SMSF, accounting and integrated financial planning.