About Delta Financial Group

For Senior Executives Looking to Retire Early

Strategic Financial Planning That Builds Wealth, Reduces Tax & Accelerates Retirement

Tailored financial advice that helps you escape the grind, debt recycle, optimise your investments and have a clear pathway to 10-20k a month in sustainable income.

Take our 2 minute survey to receive a personalised report about your retirement ready score.

Are you 5 – 15 years away from retirement and wondering…

money need to retire comfortably

I make great money… but I have no idea when I can actually stop working?

When can I afford to retire?

How do I make the most of my RSUs, bonuses, and equity without giving half to the tax office?

Wealth Management

How do I pay less tax and keep more of what I earn?

Superannuation Advice

What should I do with my money right now to set up the next 10+ years?

Tax Planning

What if my kids can’t get ahead, and I can’t help them?

Debt Recycling

How can I enjoy today and leave a legacy for the future?

What do I need to do with my money today to achieve my financial goals

Implement the 1PMP in your Business Who We Help (And How We Change Their Financial Future)

Tech Executives & Sales Leaders (Earning $400K–$1M+)

Escape the high-income treadmill. Build a path to early retirement.

You’re making serious money, but between tax, RSUs, a mortgage, and a busy life — it still feels like you’re not ahead.

  • Turn equity comp into reliable passive income
  • Optimise your tax position with smart structures
  • Build a clear retirement timeline (without waiting until 65)

Feel confident knowing every dollar is working toward your freedom.

Build a Financial Plan

50+ Professionals Planning for Retirement

Time is running out to get it right. Let’s make the next decade count.

You’ve built wealth, but you’re unsure: “Do I have enough?” “Will it last?”

  • Maximise your super (while you still can)
  • Reduce tax and simplify your financial life
  • Create a sustainable income plan for the next 30+ years

Replace guesswork with a plan you can trust.

Build a Financial Plan

60+ Pre-Retirees Seeking Certainty & Peace of Mind

You’re nearing retirement. Now’s the time to get everything in place.

You’ve worked hard, built wealth — but you’re not sure if it’s enough, or if it’s set up the right way.

  • Convert your nest egg into reliable income
  • Lock in tax-efficient strategies before retirement
  • Simplify your finances so you can retire with confidence

👉 Retire on your terms, knowing everything is structured for the decades ahead.

Build a Financial Plan

Why Work With Us

Tailored Financial Roadmaps

We don’t do cookie-cutter. Every plan is custom-built around your income, investments, super, and lifestyle goals.

We Act as Your Personal CFO

You’re busy. You don’t need another to-do list—you need someone who can think strategically, simplify complexity, and help you make smart financial decisions with confidence.

Specialist Knowledge of Equity Compensation

We’re one of the few Australian advisory firms that deeply understand how to optimise RSUs, ESPPs, and company shares.

Proactive Tax Minimisation Strategies

Most advisers only talk about investments. We focus on the whole picture— how to strategically minimise your tax, boost super and build wealth.

Proven Results, Real Stories

Over 250+ early retirement strategies delivered. 4.9-star Google rating. 75+ LinkedIn recommendations.

Our Care Factor

We are a family owned family run business, we treat the people we help like family. We understand and anticipate the impact your financial decisions will have on your family and your life.

The 6 Stages of Your Delta Financial Journey (What you can expect from us in the first 100 days)

1
Clarity Call
2
Financial Road Map Session
3
Wealth Potential Strategy Meeting
4
Blueprint Presentation Meeting
5
Implementation
6
Evolution Partnership

As featured in

Delta Financial Group is often featured in the news as it continues deliver quality retirement planning advice to Australians.

About Delta Financial Group

Why Work With Us

We specialise in helping high-income professionals—particularly those in the tech sector—retire early with clarity, control, and confidence. Our founder, Mike Sikar, brings 27+ years of experience in financial planning and stockbroking, with deep expertise in turning complex remuneration structures (like RSUs, stock options, and bonuses) into $10K–$20K/month in passive retirement income.

Tailored Early Retirement Roadmaps
We don’t do cookie-cutter. Every plan is custom-built around your income, investments, super, and lifestyle goals—so you can accelerate your path to retirement without compromising your lifestyle today.

We Act as Your Personal CFO
You’re busy. You don’t need another to-do list—you need someone who can think strategically, simplify complexity, and help you make sart financial decisions with confidence. That’s where we come in.

Specialist Knowledge of Equity Compensation
We’re one of the few Australian advisory firms that deeply understand how to optimise RSUs, ESPPs, and company shares. We’ve helped clients turn shares into sustainable income and reduce six-figure tax bills in the process.

Proactive Tax Minimisation Strategies
Most advisers only talk about investments. We focus on the whole picture—including how to legally and strategically minimise your tax, boost your super contributions, and build wealth faster.

Proven Results, Real Stories
Over 250+ early retirement strategies delivered. 4.9-star Google rating. 75+ LinkedIn recommendations. And countless clients who now have clarity, confidence, and a concrete plan for financial independence.

If you’re a professional earning $300K–$1M+ and wondering how much longer you need to work, you’re in the right place.

Book Early Retirement Clarity Call

Luke and Chanine

A personalised, tax-efficient plan designed for senior professionals to finally get clarity on your financial future.

  • A step-by-step plan to generate $10K–$20K/month in passive income
  • How to manage your RSUs, super and investments
  • Avoid costly tax mistakes or missed opportunities
Founder and Principal Financial Advisor

Mike Sikar

Founder of Delta Financial Group | Financial Adviser | Early Retirement Strategist
Life is unpredictable. Planning for it shouldn’t be.

That’s been my philosophy ever since I saw the financial stress my parents went through growing up. They worked hard their entire lives but didn’t get the financial guidance they needed – that experience lit a fire inside of me. I’m 47, based in Sydney’s Eastern Suburbs, and a proud dad of two energetic kids (ages 5 and 9). For over 27 years, I’ve been helping high-income professionals take control of their financial future — and retire earlier than they thought possible.

How we can help you

We help you build a roadmap to reach your goals and achieve what is most important to you.

SEE ALL SERVICES

Process For Working With Us

The 6 Stages of Your Delta Financial Journey

What you can expect from us in the first 100 days

Step 1
Clarity Call

Let’s see what’s possible for your future

We start with a quick 15-minute call to understand your goals, pain points, and what’s holding you back from retiring sooner. If there’s a fit, we’ll invite you to the next step.

Step 2
Financial Road Map Session

Unpack your full financial picture — and identify what’s working and what’s not

In this deep-dive session, we analyse your income, super, shares (including RSUs), investments, and property. You’ll gain clarity on your current position and what’s needed to hit your retirement target.

Step 3
Wealth Potential Strategy Meeting

Discover how to reduce tax, grow wealth, and build sustainable income

Here we explore powerful strategies tailored to your situation — from tax minimisation to wealth structuring — and show you how your money can work harder, not just sit idle.

Step 4
Blueprint Presentation Meeting

Your personalised Roadmap, revealed

We walk you through your complete, step-by-step plan to generate $10K–$20K/month in retirement income. Everything is tailored to your goals, with clear actions and timelines

Step 5
Implementation

From plan to execution — with expert guidance every step of the way

We take care of the setup and ongoing strategy: investments, tax structures, super optimisation, estate planning, and income tracking. You’ll never feel like you’re doing it alone.

Step 6
Evolution Partnership

Life changes – Reviews, Adjustments, monitoring, retirement income tracking

Financial Advisor Sydney

Technology Executive Case Study

Delta Financial Group helped Jeff & Sam with a plan to retire in 10 years with a retirement income of $150,000 per year indexed to inflation.

We helped them understand the importance of diversification and the benefits of the superannuation and pension environments to provide a tax-effective income when they choose to stop working

By discussing their objectives in detail and modelling the future outcomes, Jeff and Sam had a clearly defined retirement goal and roadmap to get them there.

News and Insights

Helpful tips and insights on how to best manage your finances, help grow your wealth, reduce your tax and retire comfortably.

20 Expert Tips to Maximise Super, Minimise Tax & Build a Sustainable Income for Life

In the world of personal finance, the term “financial thermostat” may sound peculiar at first. However, it serves as a powerful metaphor for understanding how individuals manage their money and financial goals. Just as a thermostat regulates temperature, a financial thermostat determines the financial mindset and behaviors that influence spending, saving, and investing. Understanding your financial thermostat is crucial for achieving long-term financial success and stability.

Read More
A vintage thermostat with a dollar sign in the center

What is Your Financial Thermostat set for and why that’s important?

In the world of personal finance, the term “financial thermostat” may sound peculiar at first. However, it serves as a powerful metaphor for understanding how individuals manage their money and financial goals. Just as a thermostat regulates temperature, a financial thermostat determines the financial mindset and behaviors that influence spending, saving, and investing. Understanding your financial thermostat is crucial for achieving long-term financial success and stability.

Read More
Self Managed Super Funds

Maximising Your Super May Secure Your Retirement — But Can It Help Your Kids Too?

Superannuation is one of the best tax-structures to fund your retirement, with currently no tax on capital gains or income once you transfer your accumulation account to an account-based pension.

You may wonder then, why is my superannuation split between taxable and tax-free? And how may this potentially impact my children?

Read More
Discover More Articles

Frequently Asked Questions

Why should I choose Delta?

We believe that financial planning is not all about the money. It’s about you and your life, first and foremost. Having money allows you to make choices, enjoy more and worry less.

We also believe that financial planning is not simply a case of ‘set and forget’, it’s about planning continually and forming a meaningful relationship.

We’ll be with you through the highs and the lows, the challenges and the victories.

We are an experienced team made up of equal parts financial know-how and a caring heart.

We’re always abreast of the current and most relevant economic, global and market information, so we can keep you up to date and make necessary changes along the way.

Our services and strategies are tried and tested and come from a collective pool of creative thinking, unique financial strategies and the latest in technology.

We’re all about you and what you want. We provide the tools and support, and help you control your money. After all, it’s YOURS.

When you join our Delta family, you get us for the long-haul. We’re by your side all the way, helping you navigate the complex world of financial management.

All our advice is documented and explained, so you fully understand the benefits, actions, risks, costs and expectations. We’ll take care of the admin and paperwork and manage it through to completion, so nothing is missed, and you get results sooner.

If you’re happy, we’re happy.

What can I expect to pay for your services?

In order to get the full benefit of our personalised service and yield truly effective results for long term financial security, there is a minimum cost to work together, starting from $5K (+gst) pa.

The actual cost will depend on what you need and the type of advice and support necessary to make it happen. As we’re not a ‘one size fits all service,’ we will let you know the exact cost after we meet.

However, if already feels this investment this is out of your reach, there are other ways we can help you out.

Our resources page is packed full of complimentary materials including blog posts, informative videos, education guides, white papers and even eBooks you can download for free at any time.

All material is well researched, prepared exclusively by our very own in-house finance experts, and based on what we believe is important when it comes to using money to get more out of life.

How much does an initial consultation cost?

The initial consultation is on the house and entirely obligation free. We only ask that you commit to a time and be fully present when we do meet.

It’s all about getting to know each other, learning about you, your family, your goals and wishes for the future. It’s also about gauging whether or not we’d be a good fit for each other over the long-term.

We appreciate that taking the next step is not always a given, and that’s OK. That’s what the first meeting (initial consultation) is for. And that’s why it’s on us.

Why do I need a financial adviser and can’t I do it myself?

You can.

There are countless fantastic tools and resources available for people who wish to handle their finances and plan on their own. However, even with all the resources available, unless you have at least a basic knowledge of how money works, a lot of time, and are very disciplined, most people are simply unable to stay on top of things consistently.

Planning for the future involves far more than simply researching funds and staying up to date with the markets. There are many moving parts, and like a jigsaw, unless each piece is put in the right place, the picture won’t be complete.

Investing in our help is essentially an investment in your happiness. It reduces the risk of making a potentially irreparable mistake by missing a crucial step, or not keeping on top of economic and market developments, as well as other important but often overlooked factors, such as unexpected life changes or events.

Managing money is serious business. Most of our clients are living busy lives, and rather than wasting their valuable time trying to sort out their financial affairs, they work with us so they can focus on the fun stuff—planning for a more enjoyable life – today and in the future.

How will I know if we are a good fit?

We could be a good fit if:

  • You’re open and willing to receive advice that will help you take control, get organised and deliver results you could not get on your own.
  • You understand that getting professional advice and support is an investment you’re prepared to make in yourself and your future
  • You’re open-minded and have a ‘what’s possible’ attitude. Because we’re firm believers that the right attitude and sound choices go hand in hand for financial success.
  • You’re willing to learn and implement the tools we provide to help you take control of your money and future. Remember, we’re here to empower you to do this.
  • The best results happen when we work together over the long-term. If we don’t believe we can help and provide long term benefits, we’ll let you know.

On the other hand, we may NOT be right for you if:

  • You’re looking for a get rich quick scheme or a magic ‘fix everything overnight’ pill.
  • You want free or cheap advice.
  • You’re not prepared to take our advice or actions required to get results.
  • You’re not as committed as we are to your long-term success.
  • You’re rigidly fixed in your views and unwilling to do anything different.

I’m ready to begin what do I do now?

Firstly, congratulations on making the decision to take the next step towards something that could impact your entire life in the best possible way.

We warmly invite you to get in touch with us by clicking this link and booking a time to meet.

We really look forward to getting to know you and seeing how we may be able to help.

Not found what you’re looking for? Please get in touch, we’d be delighted to help.

Founder and Principal Financial Advisor

Let us contact you

Complete the form and we will schedule a chat at the most convenient time for you.