Align Financial

Helping you make smart decisions about your money

Your money, your values, your happiness

Award-Winning Financial Planning Specialists on Sydney's Northern Beaches.


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Financial Services

Helping you make smart decisions about your money

Financial Advice

Let us do the work for you. Our expertise will create financial strategies that maximise your wealth and help you create the life you want for you and your family.

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Suddenly single

Life doesn’t always go the way you expect… if that happens to you, we can guide and support you in gaining a greater control of your finances.

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Retirement Planning

You have worked hard for years so now what? Change can be daunting, but we can help you make smart decisions to build and secure your financial future.

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SMSF Specialist

Personal, expert advice

Do you have a SMSF, or would like to set one up and don't know where to start? Darren Johns is our SMSF Specialist Advisor™.

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What our Clients Say

  • We love having Darren as our ‘go to’ person. Investments, loans, cashflow, tax, super, insurance, you name it.
    Mike & Jo, Mona Vale
  • Darren and the team at Align Financial are pro-active in tracking investment performance and new opportunities if they arise, however holding to a core strategy and stable investment portfolio has been a great advantage which we appreciate. They understand our risk profile and needs very well and communicate with us regularly. We always appreciate the friendly nature of our communications.
    Self-Employed Consulting Firm, NSW
  • They do what they say they are going to do. They deliver. They are open and honest in communication, responsive, helpful.
    Marketing Specialist, Sydney
  • Align Financial helped me in decisions that I had to make. They went to great lengths to help me. Even though it wasn't a Financial Planner's job.
    Retired, Fairlight
  • Whenever I have a question or worry it is attended to quickly and efficiently. I am not a high risk investor, so although the returns were not huge this year, my financial requirements are always met. I do not want to be involved from day to day but I am continuously kept informed when my investments are affected and Darren makes sure I understand what it all means...When I was widowed recently and became overwhelmed with the whole financial process, Darren managed everything for me. He kept my sanity! This is definitely above and beyond what I pay him for.
    Retired wine maker, NSW
  • Darren is a switched on and proactive adviser who has only ever given us sound advice. He is very professional and always keeps us up to date. I feel he tailors his advice specifically to our needs and goals, and I know he always has our best interest at heart.
    Self-Employed Builder, Mona Vale
  • Congratulations. What really works for my wife and I is that you have a strong team that communicates. Again well done.
    Retired, NSW
  • He has explained all of my questions in a way that was easy to understand and where I had a much better understanding of how the system works.
    Telecommunications Manager, NSW
  • Align Financial are always available and easy to communicate with. Questions are answered promptly and full explanations given. We always get the feeling we are the most important clients they have.
    Communications Manager, Elanora Heights
  • Taking the worry out of our financial life and allowing us to get on enjoying our retirement.
    Retired, Mona Vale

To hedge or not to hedge?

When you invest globally you are not only exposed to the risk of the investment, you are also exposed to exchange rate risk. That is, the risk that the currency you purchase the asset in (e.g. British Pounds) will rise or fall against the Australian Dollar. Such movements in exchange rates can impact your investment […]

Estate Planning with an SMSF

Self Managed Super Funds continue to be a popular choice for those wanting more control over their retirement savings. The focus within SMSFs is often on implementing strategies to boost your account balance or reduce the tax bill. But an equally important stage of the lifecycle is estate planning with an SMSF. Estate planning and […]

Does the 4 percent rule still work?

The 4 percent withdrawal rule is a rule of thumb that helps investors easily calculate how much they need to save in order to ‘live off the earnings for the rest of their life’. Without this guideline, it would be very difficult for most people to plan for decades of non-working life without worrying about […]