About Us

Your advice for life

Tempus Wealth has been helping people build the life they want since 1981.

Over the years we have built a passionate team of professionals to ensure that we are able to offer a broad range of financial planning and mortgage broking services to our varied client base and their families.

We believe that successful financial advice is all about making a difference in peoples’ lives.

That is why we take the time to listen to what you want in life and use our expertise and experience to help you get there.

It is your advice for life.

Our focus is you

We aim to develop a strong, personal relationship with you.

One of our key points of difference is that we have a dedicated client service manager working closely with your adviser to manage your personal overall strategy.

They will be there with you every step of the way – looking after all your paperwork, keeping you up-to-date with your financial progress and answering any questions that you may have.

We are very proud of our five star service, an approach that sees us helping clients across multiple generations.

Our Services

Our Strategy Process

Our passion is to provide you with financial planning services that will help grow your money faster, manage it better and safeguard it more effectively. It’s worth taking some time to set your goals.

Our passion is to provide you with financial planning services that will help grow your money faster, manage it better and safeguard it more effectively. It’s worth taking some time to set your goals.

Once the discovery phase is completed, your financial adviser then develops a strategy to make your goals a reality. This strategy is reviewed to ensure you are on track towards your destination.

Regardless of whether you’re looking for help with a single issue – such as personal insurance or a home loan – or a comprehensive financial plan, our approach to strategy remains the same. This process, constantly evolving and growing as your circumstances change, is part of our ongoing commitment to your advice for life.

Tempus Wealth Strategy Process
Tempus Wealth Strategy Process

Tempus Finance

Getting a loan can seem simple enough, but how do you know if it is RIGHT for you?


Getting a loan can seem simple enough, but how do you know if it is RIGHT for you? Tempus Finance will assist you through the entire loan application process, and ensure that the loan you receive is the one best suited to your circumstances.

As your personal broker, we also have the ability to negotiate further rate discounts on published or advertised rates. We also have access to promotions being offered by individual lenders, such as savings on application or re-financing fees.

Tempus Finance is a Corporate Credit Representative (519202) of BLSSA.

Here is what Tempus Finance can do for you:

  • We will compare hundreds of home loans from 45 lenders including the big 4 banks.
  • You will have email and phone access to our home loan specialist staff if you have any questions.
  • We will provide you with a free Residex property valuation report when you are considering purchasing a property, selling or re-financing and also as part of your annual loan review.
  • We will review your loan each year, by providing you with up-to-date property and area valuations, in addition to detailed loan market comparisons to ensure you are getting the best rates and products available. We will ensure that your loan remains aligned with your overall strategic financial plan.


Tempus Finance has expertise in the following loan markets:

  • Home loans
  • Investment loans
  • Construction loans
  • Re-financing of your existing loans
  • Consolidating debt to free up equity


We do not charge you to utilise our services – we are paid commission by the lender.


Are you enquiring about:

Tools & Resources

Enjoy the links to FREE tools and calculators supplied by MoneySmart as well as useful links to aid in your financial journey.

Latest Financial Planning News

Read the latest from the Tempus Wealth news desk relating to the financial planning sector.
Our 2021 Advent Calendar.

Our 2021 Advent Calendar.

Come back each day and click on the next date for another inspirational quote or poem from some of the...

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State and Federal COVID-19 support

State and Federal COVID-19 support

 The following links are to the latest state and federal government plans, schemes, programs, and initiatives...

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Rising life expectancies and retirement

Rising life expectancies and retirement

Average life expectancies in Australia are now at a record high, and while that's a positive, longevity...

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Australians planning to work longer to achieve retirement satisfaction: Fidelity

Australians planning to work longer to achieve retirement satisfaction: Fidelity

More Australians are moving away from the dream of early retirement, with pre-retirees planning to work long...

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The real impact of investment choices

The real impact of investment choices

Alongside uncontrollable factors like market returns, the cumulative impact of all the investment choices you...

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A savings strategy for children's education

A savings strategy for children's education

Having a strategy in place to pay for your childrens school education is essential. Here are a few ways you...

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Why more Millennials are turning to SMSFs

Why more Millennials are turning to SMSFs

The growth trajectory of more Millennial SMSFs is set to continue in the years to come, according to the chief...

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ASIC releases new guidance on crypto investment products

ASIC releases new guidance on crypto investment products

ASIC has released new regulatory guidance for product issuers and market operators on how they can meet their...

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Planning your financial legacy

Planning your financial legacy

Beyond accumulating wealth over time, planning your financial legacy is one of the most important aspects of...

Read More

Contact Us

We'd love to get in touch and we welcome any enquiry that you may have.

Get in Touch

Tempus Wealth welcome your enquiry. To book an appointment or simply ask us a question, fill in your details and we'll be in touch soon!


  • Level 1, 550 Princes Highway, Kirrawee NSW 2232


  • PO Box 796, Sutherland NSW 1499


Phone Number & Fax

Subscribe to our Newsletter

Tempus News & Community

Tempus Wealth Newsletters

November 2021 October 2021 September 2021 August 2021 July 2021 May 2021 April 2021 March 2021 February 2021 Interest Rates Newsflash January 2021 December 2020 November 2020 October 2020 September 2020 August 2020

Tempus Wealth Articles

Planning in your 40s Children and Money habits Five Financial Goals for the New Year The Mental Health Benefits of Exercise Why Insurance Matters When is The Best Time to Invest

Market Wrap

August 2021

Proud Supporters

Community and charity organisations provide wonderful opportunities for such a diverse range of people and we proudly support their efforts.


In May 2021 we hosted a charity event supporting MIA. Clients, industry and personal friends joined our Tempus Team in completing the Coastal Trek in the Royal National Park. We had over 60 participants and raised $7,485 that has gone straight to Melanoma Institute Australia. We have plans for bigger and better next year! Click here for the video.


The junior rugby league football club for Gymea is known as the “Gymea Gorillas“ and they entered their very first competition back in 1963. They remain a family orientated club who provide every player with the opportunity to play the great game of rugby league, no matter what their ability. It is about having a go.


The objectives of the Royal Challenge are to raise money for Sydney Children’s Hospital Foundation and inspire people to invest in a healthy lifestyle. #CommunitySupport

Tempus Wealth Tipping

Every year the Tempus Wealth Tipping Comp is a hotly contested event, pitting the wits of our clients, friends and families against each other in the search for the sharpest NRL tipster. Make sure you sign up at the start of each season!.

If you have any questions please email communications@tempuswealth.com.au or message us via our Tempus Wealth Facebook page.

Tempus Wealth Cocktails Suggestions

Click here to download Tempus Wealth Cocktail Suggestions.

Client Stories

Luke's Story

Photo courtesy of John Veage for The St George and Sutherland Shire Leader.

I’ve always been an active person and keeping fit is not only a hobby it’s part of my job as a professional footballer. Like a lot of people you think serious illness won’t happen to you so when I received the news that I had cancer it was a huge mix of emotions. It’s like I still didn’t believe it and that’s really the way I dealt with it the whole way through.

My wife Sonia and mum Sharon were really knocked about by the news. Like any family member would, you think about the ‘what if’s’. I was out of action for a number of weeks and there were moments there where it did cross my mind ‘what if I can’t play again’ and ‘what will I do to earn an income’. Obviously my health was first and foremost but it was only natural to have concern for our future.

Back in 2001 when I first started playing grade footy, I made the decision to seek professional financial advice. I knew there was an end date to this career and I wanted to ensure the opportunity was maximised. As an 18 year old personal insurance was certainly not top of mind and I never thought I’d need to use it. It’s advice that I’m certainly glad I took.

James & Sue’s Story

Photo courtesy of Michael Petey, The Land Newspaper.

We’ve been farmers our whole life. After we built up and sold our first farm we moved to a much larger property – this meant taking on more debt and more work. The work side of things has never worried us as that is what we know however the finance side of things was something we felt should be looked at by someone who is in that game.

For us, seeing a financial planner was like tidying up loose ends. It brought everything under one umbrella and gave us a clear and achievable path forward and into retirement.

Our personal insurance has been put in place so that if either of us were to get injured and couldn’t work, the other could continue running the farm without any worry about money.

Our superannuation has been tidied up and put into a better fund so that we can achieve a comfortable retirement. We were also advised to refinance our loan with a much better interest rate, which we did. The process was handled by Tempus Wealth which made it easy for us.

We certainly have peace of mind now in regards to our financial future and really feel like we want to spread the word. We’ve just seen it as outsourcing our unnecessary worry.

Jamie's Story

Photo courtesy of John Veage for The St George and Sutherland Shire Leader.

Jamie was only 49 with a wife and two young children (the youngest being 5 days old), when he suffered a massive stroke. Previously fit and healthy, a non-smoker and with no family history of stroke, he never in his wildest dreams imagined it would happen to him.

He was attending a social gathering when all of a sudden he felt a strange sensation down his left side. Luckily for Jamie there were people in attendance that recognised what was happening to him. He was rushed to hospital, underwent surgery was swiftly put on an intensive rehabilitation program, which included re-learning how to walk and talk.

Fast forward to today and Jamie is back working and even completed the Sutherland to Surf charity fun run. Jamie largely attributes his amazing recovery to getting to hospital quickly and being able to afford, through his insurance, intensive rehab.

The Auswild Accounting Group

We have found that many of our clients require specialist advice in the areas of Buy/Sell, Keyperson and Income Protection insurance. Our long association with Karine Matthews and Murray Bennett has enabled us to refer our valued clients with the confidence that they will receive tailored advice that is appropriate to their circumstances.

As clients ourselves we have benefited from their professional services and commitment to ongoing reviews. — Vince Choy

Client Feedback

"You’re a genius Antonia and thank you. I know we are not quite done yet but you have been amazing to deal with and I really appreciate your help and professionalism. You and the whole Tempus team have all been great."

Corey and Rebecca to Antonia Krkovski

"Thank you so much for all of your support and guidance Antonia. From our very first conversation a year ago you made everything so simple and easy to understand. This has been a very seamless process and I have no doubt it's because you have been doing a lot of work in the background for us"

Anna T and Brad M

"Thank you so much for all your help in getting my little investment up and going! Despite only being a little one in a big pond but big to me, you were an absolute gem and made me feel as it was the most important thing to you too! So friendly and professional all the way! Thank you also for taking such an interest in our little grandbaby! Such an amazing experience being a Nanny and it was wonderful for you to ask after him. I’m so happy with our new little house and it will be well loved and lived in for many years to come"


Finance Calculators

Please enjoy the links to these free tools supplied by MoneySmart - a great resource for general financial information. Please get in touch if you would like to discuss any questions that you may have as a result of using these calculators.

Borrowing and credit

Colin Ward


The best part about being a Financial Planner is developing relationships with my clients and working to grow that over time. Part of the financial planning process is solving problems- I believe there’s always a solution, no matter how complex the issue may be.

I like to look at the big picture, to understand where my clients are now and where they want to be in the future. For me, it’s about getting the job done and achieving the best outcome. Anything can be dressed up to look and sound good but you need to be able to back it up with results. It’s very rewarding to be able to provide my clients with the strategic vehicle which allows them to reach their goals.

Outside of work I’m kept busy with children’s sporting activities as well as keeping fit myself. I also enjoy dining out with great friends, and good wine.

Louise Southwell

General Manager

I get a lot of joy out of working with a team of great people who are passionate about what they do. What personally drives me is the challenge of ensuring our client experience with us is personal and professional. I believe what we do makes a big difference in people’s everyday lives. To witness a client's journey, from the moment they make contact with us to them reaching their goals, is hugely rewarding for me. I like making a positive difference in people’s lives, it genuinely makes me happy.

Bill Webster

Senior Adviser

My job is a real privilege. Assisting people to make decisions that can have such an important and far-reaching impact on them and the lives of their families is a wonderful job to pursue as a profession. My very first life insurance death claim was my best friend. He died at the age of 32, leaving behind a wife and 3 children under the age of 6. I have seen first hand how critical a part life insurance played in that families’ financial future and well being. This is why I am very passionate about people making the ‘important decisions’, perhaps at a time when they may not consider them that important.

On a personal note, I enjoy keeping fit, being outdoors and spending time with my family and friends. I love jazz music and enjoy reading, particularly biographies and books that help develop me as a person. Life really is and should be a continuous learning experience.

Murray Bennett

Senior Adviser

Family and relationships are very important to me. That’s why I’m passionate about helping our clients make those critical decisions that help build a successful business, and a successful personal and family life too.

I work to understand where my clients are now and where they would like to be in the future. My job is to make sure they achieve their goals despite the hurdles life may put in front of us.

Back in the day I proudly represented Australia and captained the NSW Cricket Team, and I like to think these experiences have given me a strong sense of leadership and an appreciation of the benefits of teamwork. At Tempus Wealth I work with a highly motivated, client focused team and I’m proud to be a part of it.

Karine Matthews

Senior Adviser

I am inspired by enthusiastic and positive people and I want to be the kind of person who provides that inspiration to others.

One of the ways I do this is by helping our clients develop strategies to protect their business so it can continue to thrive. I get great personal satisfaction from our clients’ success and from contributing to the team here at Tempus Wealth.

Tim D'Astoli

Senior Adviser

I feel fortunate to work in a role where I can help people make informed choices that give clarity, direction, and peace of mind. My late father taught me how to trade shares as a teenager and I’ve had a keen interest in finance and investment ever since. In my years as an adviser, I’ve learnt that the right combination of empathy, investment expertise and sound technical knowledge enables an adviser to make a meaningful difference to the lives of clients.

I thrive on building relationships with people and helping them meet their short, medium and long term goals. Having the right roadmap in place can provide you with the financial confidence to both live the life you want and be well-positioned to deal with the unexpected.

When I’m not at work, my hands are full with a young family and I also enjoy running the nearby bush trails in the Royal National Park.

Daniel Zahra

Practice Manager

Whether it's applying for a loan, preparing for retirement or creating and protecting wealth, for some people navigating their financial situation can be a daunting task. I love working with a team of professionals who use their skills and expertise to assist clients by bringing clarity to their goals and develop strategies to help achieve them.

The financial planning environment is ever-changing so to be able to ensure that the Tempus Wealth team, business and processes are at the forefront of these changes is a very rewarding role.

James Bonamy

Senior Adviser

Being a financial adviser allows me to convert my passion for all things finance and economics into helping people live a better life.

Giving advice for over 20 years, also means I have seen it all. Not just how investments and strategies move and evolve, but how people feel and the impact of not only the good times, like great gains in shares and property markets, but tough times like the GFC. It means I know and see the rewards of solving problems, having solid strategies, and what leads to results. It is also why I know how important it is to keep my clients informed, have open discussions, and truly understand what money means to them.

My goal is to give you contentment on your financial life.

When I am not at work, it’s often time spent looking for ways to enjoy the sunshine with the family. We love the chance to get away for the weekend in the caravan.

Todd Tudor-Stack


Graduating from the University of the Sunshine Coast, I had a range of options available to me, but I found I really connected with the ethos at Tempus Wealth. Colin and Bill really lead the way when it comes to putting the clients first, and remembering that we’re not just helping people build a portfolio – we’re helping people build a life.

(That said, working a stone’s throw from some of the best surf beaches in the world was probably a factor in the decision too!)

My role at Tempus Wealth is as an Adviser and I’ll often be your first point of contact. I’m there to make sure you’re getting everything you need, and if you have any questions about forms or processes, I’m your man.

Look forward to speaking to you soon!

Michael Para


I am extremely fortunate to have found a career in which I am genuinely passionate about.

Being a part of the financial journey of the many wonderful clients I have had the pleasure of dealing with is truly rewarding. As well as that, it’s something that I very much enjoy, from the initial stages in helping our clients identify their goals and aspirations, to developing unique strategies tailored to their needs.

When I’m not crunching numbers, building investment portfolios or developing risk mitigation strategies, you’ll find me keeping active, playing card games or spending time with friends, family and my beautiful wife, Christina.

I love meeting new people so don’t hesitate in reaching out.

Antonia Krkovski

Mortgage Broker

Helping clients realise their dream of home ownership is one of the many joys of being a Mortgage Broker. Having purchased several properties throughout my life, I understand how stressful the process can be. For me, job satisfaction comes from taking that stress out of this experience for my clients. If I can make that process more relaxed for them then I feel extremely rewarded.

Antonia Krkovski is a credit representative (503183) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237)

Stephen Giles

Compliance & Advice Team Manager

As a Shire resident with a young family and a career built around financial advice process and compliance, it was important for me to find a team that shares my values in providing financial advice aimed at achieving the best outcome for our clients. In my role as Compliance and Advice Team Manager, I see Tempus Wealth delivering on this every day. Coupled with a genuine desire to continuously learn and improve, I see Tempus Wealth as a trusted advice business for myself and my local community.

Outside of work, my wife Amanda and I are regularly seen chasing after our 2 children around the local parks, beaches and sports venues.

Kym Coleman

Client Service Manager

Financial Planning to me is about maximising what you have to enjoy the life you want both now and into the future. I love showing clients how our strategies can help them live their best life, and then helping them refine the strategy as they progress through their lives. I really enjoy helping people and making a positive difference to their life.

Outside of work I love to travel to new places, and learn about other cultures/history and cuisines. Personally, I am married with 3 kids and 2 dogs.

Mara Elgammal

Client Service Manager

I have been in administration, banking and finance for well over 15 years and get great satisfaction from solving complex problems for clients and helping them achieve their objectives.

I enjoy being part of the Tempus Wealth team who are so clearly passionate about making a positive difference in people’s lives.

Outside of Tempus Wealth, I enjoy travelling, tennis and spending time with family.

Donna Carratt

Office Manager

I’ve spent most of my working life in a professional office, and I am happy to say that I’m still learning every day. I love that Tempus Wealth is a forward-thinking practice that is team focused and has the success of our clients at its core. I strive to do my job to the best of my ability and ensure every client receives the highest standard of service.

Kathy Van de Straat

Client Service Manager

I have spent most of my adult life working in the Financial Planning Industry from Marketing through to my new role in Customer Service.

I look forward to working with the Tempus Wealth team and clients. I believe it is a privilege to find solutions and opportunities for our clients’ financial planning programmes and will do my best to deliver the highest quality of service.

Outside of Tempus Wealth, my other passion is my family. I love weekly family dinner night with my husband, four boys and their partners and when I have down time –travelling, reading, walking and dinner in good restaurants.

Ella Southwell

Client Service Coordinator

I had just completed my HSC when I joined Tempus Wealth, with no clue on how I wanted to begin my journey into adulthood. At first I wasn’t sure it would be for me, though after seeing how much thought goes into every aspect of our services and how much care all of the team puts in, I knew Tempus was the place for me.

I am passionate about putting effort in and seeing someone benefit from it. Working at Tempus Wealth and seeing clients walk out the door with a smile on their face gives me the best satisfaction that I could have.

Rhys Ward

Client Service Assistant

I am in a lucky position to be able to work in the financial planning industry whilst studying financial planning at the University of Wollongong. I enjoy learning from my experienced colleagues at Tempus Wealth and being a part of this amazing team. Being a part of the process to achieve a client’s goals is extremely rewarding for me as I continue to grow in my role. Away from the office I enjoy playing footy and keeping fit, along with travelling to see new places.

Sam Drury

Mortgage Broker

I have worked in the Mortgage Broking industry for over 20 years and have a wealth of knowledge across all aspects of the banking processes. My passion is finding the best possible outcome for our clients in the smoothest way possible. With my years of experience, there’s not many structures I haven’t seen in the thousands of deals I have settled and I am extremely pleased to join the Tempus Team. On a personal note, I keep myself busy with three teenagers and family.

Cash Flow Management

Cash flow management is the backbone of a comprehensive financial plan. A sound cash management program will:

As part of our comprehensive review of your financial situation, we will prepare both a current balance sheet and your cash flow projections.


A Cashflow Strategy helps you to achieve the following:

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Debt / Loan Management

Tempus Finance is our specialist loans division. Integrating with your personal strategy, Tempus Finance can help you secure exactly the right loan for your circumstances. We can help you:

Obtaining a loan through Tempus Finance does not end there though. Your loan is reviewed annually, with up-to-date property and area valuations, in addition to detailed loan market comparisons to ensure that you are getting the best rates and products available.

Debt Management

At Tempus Wealth, we distinguish between bad debt – simply spending tomorrow’s money today; and good debt – debt that builds wealth and improves your financial position. The sensible and strategic use of debt, and a refocusing from bad to good, is an essential part of our planning services.

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Investment Advice

It is investments, not income that have the power to really build wealth for the long run. There are four key elements to our investment philosophy:


Determine the best strategy for your needs, including timeframes, milestones and the optimal asset mix.


Connecting the strategy with the most appropriate platform – from low-cost industry style funds to multi-functional wrap accounts


Purchasing quality investments which have been extensively researched by ourselves and the FSP Investment Committee


Regular reviews of your investments to keep up-to-date with global and local market conditions, and the continuing performance of your portfolio

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Tax Planning

Tempus Wealth will make tax planning an essential component of your overall strategy. Effective tax planning can legally minimise the amount of tax you pay, for example through:

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au


Superannuation is more than just a way to save for your retirement. At Tempus Wealth it is an essential pillar in a broader wealth creation strategy. Tempus Wealth can ensure that your superannuation is aligned with your lifestyle goals, whether it is helping to find lost super, assist with selecting the right structure or advising on asset allocation or investment choice. We can also ensure that your super is integrated with your tax planning. Super may be eligible for the following tax benefits:

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Personal Insurance

We insure important possessions, like our houses, because their loss could be financially devastating. But what if something happened to you? If you were in an accident or suffered serious illness and couldn’t work, how would you and your family afford your medical bills? How would you cover your mortgage and daily expenses? Personal insurance is about protecting your most important asset – you. Talk to Tempus Wealth about an insurance strategy that works for you.

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Retirement Planning

What age do you want to be when you retire?

What type of lifestyle do you want to lead?

These two important questions are the first steps in planning for your retirement. Many people live well into their 90s, so you need to make sure your retirement income will last the distance. The right advice is about making choices today that will support your future lifestyle. Tempus Wealth can help you take control of your finances and grow your retirement income.

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Estate Planning

Estate Planning is about protecting your legacy – preparing a plan while you are still alive and well to protect your wealth, your wishes and the interests of your loved ones. While estate planning usually has a financial focus, it will also account for non-financial issues, such as:

Estate Planning requires legal authority, and Tempus Wealth has a number of associate contacts who can help in this regard. Tempus Wealth can facilitate the legal relationships necessary to ensure your estate plan remains aligned with your overall strategic financial plan.

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Business and Group Insurance

Building & maintaining a business is hard work. The success and growth of your organisation can heavily depend on the knowledge, experience and initiative of one or more essential people as well as protecting your whole team. How would your organisation manage with the loss of a keyperson including a business partner, what would happen to the ongoing ownership of your business? What about your staff, having the ability to offer Group life, TPD and income protection is an employee benefit that enhances staff loyalty and retention as well as making you an employer of choice. Talk to one of our business insurance specialists to see how you can protect your business and your people..

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Aged Care


Dealing with decisions on aged care can be overwhelming, but identifying the key issues and getting the right advice can help give you the clarity you need. Meeting with one of our aged care specialists, we will explain the costs involved throughout the whole process and provide you with full explanation of all available options, so that you can assess the value before you make any decisions. We are here to help you take a positive step toward your peace of mind for your loved ones.

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Useful Links

Tax Resources

Financial Videos

Tempus Wealth Budget Planner


General Calculators

Please enjoy the links to these free tools supplied by MoneySmart - a great resource for general financial information. Please get in touch if you would like to discuss any questions that you may have as a result of using these calculators.