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Your Finances,
Watched Over.

So you can focus on living. We don't just build your plan. We watch over it, and adjust before you ever have to ask.

65+
Years experience
300+
Clients served
Free
First meeting
Book Your Free Consultation

No obligation. Walk away with clarity.

General advice only. Montre Financial is a CAR of Zebra Financial Services (AFSL 512864).

AFSL LicensedFully Regulated Advisers
65+ YearsCombined Experience
300+ ClientsAcross Sydney
IndependentNo Bank Ownership
Free First MeetingNo Obligation, No Fees
$200M+ Funds and AssetsUnder Management
5.0 ★★★★★ Based on Google Reviews
★★★★★"I’ve had great experience with Montre Financial managing my superannuation and life insurance."- Tamara Buttrose
★★★★★"Daniel Williams has been my Financial Advisor for the last 5 years and I am very happy with the results"- Sue Archer
★★★★★"I've been dealing with Montre Financial for a number of years and I am extremely happy with them."- Robert Dickins
★★★★★"Having transferred to Montre Financial prior to covid 19 as advisors for my retirement investment portfolio"- allan hindmarsh
★★★★★"Went to Daniel for guidance and advice on several occasions regarding superannuation strategies."- Peter Ambrose
★★★★★"The Team at Montre Financial are extremely experienced and professional."- Simon Childs
★★★★★"I can't speak highly enough of my dealings with Dan and the Montre Financial team."- Dave McManus
★★★★★"I really appreciate and trust the excellent advice and portfolio management always provided by Montre Financial"- Susi Prescott
★★★★★"Wonderful staff and the best financial advisor I’ve ever experienced..thank you for all your help Daniel."- Aniek Baten
★★★★★"We have always found that both Asit and John are extremely personable and attentive to our needs"- Greg Gower
★★★★★"Tracey always goes over and beyond to assist - great advisor. Highly recommended"- Sandra Grotto
★★★★★"I have a very long association with Montre Finacial going back to the 1990s. The principals"- Terry Chadwick
★★★★★"If I could give a 6 star rating I would. Montre Financial are amazing and so attentive."- Liam Bailey
★★★★★"Tracey is very professional. A great company to use"- Craig Rodham
★★★★★"Montre is my financial adviser or choice. I find them responsive, easy to deal with and above all,"- Judith Peters
★★★★★"We’ve been working with John and Daniel at Montre for years now and their help"- Martin Milner
★★★★★"Excellent service from Daniel."- Jan Sadler
The difference

What makes Montre Financial different?

Montre is French for watch. It's not just our name. It's how we work. Most advisers set a plan and wait for your call. We watch. Four things set us apart.

Actively watched over

Your super, investments and retirement are monitored continuously, not reviewed only when you remember to ring. When Centrelink thresholds shift or markets move, we act.

Built around your number

Not a generic projection. The specific figure your money needs to reach, with a plan built to hit it and adjusted as your life changes.

Tailored: the whole picture

No bank parent. No product conflicts. One adviser across super, investments, insurance and estate, not a portfolio looked at in isolation.

Transparent fees

Clear, upfront pricing with no hidden costs. Our fees are disclosed in writing before any work begins, so you always decide with the full picture.

Who we help

Whatever stage you're at,
the question is the same: "will I be okay?"

Approaching retirement · 55-64

"Can we actually afford to retire at 63?"

Know your number before you decide anything, modelled around your super, property and timeline.

Retirement planning →
Already retired · 65-74

"Are we drawing down too fast, will it last?"

Someone watching your income, drawdown and Centrelink as the rules and markets change.

Retirement income →
Still building · 40-55

"Old super, a CommSec account, is this working?"

Consolidate forgotten funds, invest tax-smart, and make sure your family's protected.

Super & investments →
What we do

Five ways we watch over your money

One trusted relationship across your whole financial life. Start with whichever is keeping you up at night.

Superannuation

01

"Your super shouldn't be set and forgotten. It should be watched over."

  • A strategy built around your retirement number, not the fund's default
  • Consolidate forgotten accounts and stop paying double fees
  • Salary sacrifice and contribution caps, explained in plain English
Book a super review →

Investment & portfolio review

02

"Monitored continuously, by a human who knows your whole picture, not just your portfolio."

  • A free second opinion on your current portfolio
  • Allocation matched to your life stage, not a static risk score
  • Tax-aware investing, focused on what you keep, not just the gross return
  • One adviser across investments, super, insurance and estate
Get a free second opinion →

Retirement planning

03

"Your personalised retirement number, then watched over so it stays on track."

  • The exact income you'll need, modelled around the life you actually want
  • Centrelink entitlements tracked and maximised as the rules change
  • Transition to retirement, drawdown and pension phase, without the jargon
  • Proactive adjustments: we act, you don't have to
Book a retirement consultation →

Insurance & risk

04

"The right cover, kept right, as your life and your family change."

  • A clear needs analysis across life, income protection, trauma and TPD
  • Cover matched to your real situation, not an off-the-shelf policy
  • Existing policies reviewed so you're neither over-insured nor exposed
  • Someone in your corner at claim time, when it matters most
Book an insurance review →

Cash flow & debt

05

"Know where every dollar goes, so the rest of the plan has a foundation."

  • See your true cash flow, income in and money out, month to month
  • A simple structure to build savings without feeling squeezed
  • A clear plan to pay down debt in the right order
  • The groundwork that makes super, investing and retirement work harder
Book a cash flow review →
How we work

Create. Guide. Grow.

First

Create

We map your full financial picture and build a plan around your number: your timeline, your life and your goals.

Then

Guide

We put the plan in place and explain every step in plain English, so you understand what's happening and why.

Always

Grow

We watch over it, reviewing, adjusting and alerting you as life, markets and rules change.

Every client gets a named adviser and an annual Montre Review, plus a call when something changes, before you have to ask.

The people watching

A small team, on purpose.

Two principals, one boutique practice, and decades of combined experience that has guided clients through the GFC, COVID and every rate cycle since. Tailored by design and boutique by choice, so you always speak to someone who knows your name.

Asit Nayak

Asit Nayak

Principal

Most people meet me first. My job is to turn a messy picture, old super, a share portfolio, a Centrelink question, into one clear plan built around a single number: what your retirement actually needs. Then I stay the same face who reviews it with you year after year, so nothing quietly drifts off track.

Daniel Williams

Daniel Williams

Principal

I look after the part that never really finishes: keeping your plan working as life moves. When markets turn, the rules change, or you go from earning a wage to drawing an income, I am the one adjusting things and calling you before you have to ask. Your situation will change over the years, and I make the plan change with it.

Suite 112, 350 George Street, Sydney CBD, an easy walk, train or tram away. In person or by video, whichever suits you.
No surprises

What it costs to start: nothing.

A free first meeting

No cost, no obligation. Walk away knowing your number, even if you decide not to proceed.

Fees explained upfront

In writing, before you commit. No hidden costs and no percentage-only surprises, so you decide with the full picture.

No pressure, ever

We'll give you advice you understand, or we'll keep explaining until you do. The decision is always yours.

Common questions

Answers before you ask.

Clear, honest answers to the questions we hear most often.

How much does financial advice cost?

At Montre Financial, our fees and procedures are fully transparent and disclosed in writing before any work begins.

What will I actually get from the meeting?

Clarity. We'll talk through your situation, help you understand your retirement number or the question that's on your mind, and outline the one or two next steps that make sense for you.

How much super do I need to retire comfortably?

The amount you will need in super to retire comfortably isn't a one-size-fits-all number. It really comes down to the lifestyle you want, your home ownership, and your retirement timing. That's why we focus on calculating a personalised target that suits you.

Can you help with Centrelink and the Age Pension?

Yes — we help structure your finances in a tax-effective way both leading up to and throughout retirement.

Book your free meeting

Ready to know exactly where you stand?

Book a free, no-obligation meeting, or ask us anything. A real adviser replies shortly.

  • No cost and no obligation to proceed
  • Tailored advice, not a bank, not a call centre
  • A team that knows your name and your situation

General advice only. Montre Financial is a CAR of Zebra Financial Services (AFSL 512864).

No obligation, no fees
AFSL licensed advisers
350 George Street, Sydney