Sydney’s Financial Advisors for Tech Executives
Unlock $15K to $25K a month in retirement income.
From your RSUs, home equity, super and investments. A clear plan for tech executives and sales leaders who want to retire early.
300+
retirement plans delivered
Watch: how I build your Early Retirement Blueprint
300+
retirement plans delivered
4.8★
from 72 Google reviews
83
LinkedIn recommendations
18 yrs
in financial planning
As featured in
AFR
Forbes Australia
Sky Business
Business Insider
Yahoo Finance
CEO Weekly
Sound familiar?
Big commissions. Lumpy cash flow. No plan.
Your best quarter should move you closer to retirement, not just a bigger tax bill.
“I make great money but I don’t know when I can stop working.”
“How do I manage RSUs, ESPPs and commissions without giving half to the tax office?”
“Should I use my home equity to invest and debt recycle?”
“What should I do with my money now to set up the next 10 years?”
“How much income do I actually need to retire comfortably?”
“How can I enjoy today and still leave a legacy for my kids?”
Who I help
Built for people in tech with complicated pay.
RSUs, ESPPs, commissions and bonuses. If you work in tech, this is what I do every day.
Our specialty
Tech sales leaders
Sales Directors and VPs earning $400K to $1M+, with $500K to $5M+ in RSUs
Turn RSUs, commissions and bonuses into passive income. Cut the tax. Get a real date for early retirement.
Beyond sales
Senior tech leaders
Senior managers, consultants and solutions leaders
Senior pay and shares vesting every quarter, but no clear plan for any of it. Get a strategy for your RSUs, super and tax.
Our sweet spot
Tech professionals 50+
5 to 10 years from retirement
Max out super, lock in tax effective strategies and turn your shares into steady income that lasts 30 years or more.
The Early Retirement Blueprint
One plan for your shares, super, property and tax.
Your Blueprint is a personalised plan, built in 30 days. It shows the monthly income you’re aiming for, the date you can stop, and every step to get there.
You pay nothing until you’re ready for it. And it comes with a 100% money back guarantee.
What’s inside
RSU sell down plan
When to sell, how much, and how to cut the tax.
Super strategy
The right mix of contributions for you and your partner.
Debt recycling
Turn non deductible home debt into tax deductible investment debt.
Tax efficient investing
Where new money goes, and in whose name.
Retirement income forecast
Your monthly income target and the date you can stop.
Legacy and estate
Protect your family and help your kids get ahead.
How it works
Four steps to retiring on your terms.
You pay nothing until you’re ready for your Blueprint.
1
Early Retirement Clarity Call
We look at where you are today and what’s possible.
No cost
2
Two strategy sessions
A full review of your RSUs, super, loans and cash flow.
No cost
3
Your Early Retirement Blueprint
Your income target, your timeline and every step to get there.
30 days
4
Implementation
We put the plan to work with you, and keep it on track as life and markets change.
Ongoing
Your first meeting
You walk away with your Financial Road Map.
We build it together, live, in the meeting. Where you are, where you want to be, and exactly how to get there. Here’s a real example, with names and details changed.
Financial Road Map · Sample
Michael, 50 and Shelley, 45
Michael leads a sales team at a US listed tech company. Two kids in private school.
Step 1 · Now
Where you are today
| Michael’s pay | $252K + 100% commission |
| Shelley’s pay | $90K, 3 days a week |
| Family home | $3.5M |
| Mortgage | $800K, $250K in offset |
| Company RSUs | $450K vested, $450K unvested |
| Shares and ETFs | $150K |
| Super | $800K combined |
| Insurance and wills | Default cover, wills 10 years old |
What we found
- High income, high tax
- No investments outside super, no tax deductions
- Too much riding on one company’s stock
Step 2 · Where
Where you want to be
In 3 years
- Mortgage paid down, investments on track
- First investment property
- $40K a year for travel
- Estate plan sorted
In 10 years, when Michael is 60
- Work optional. Consulting or boards, by choice
- Two big trips a year, one local, one overseas
- Help the kids into property
The goal
$20K / month
Retirement income from 60, indexed to inflation, to last a lifetime.
Step 3 · How
The plan, and who does what
- Early Retirement Blueprint and road map
Us - Cash flow system to lock in a monthly surplus
Us - Investment strategy: RSUs, ESPP, a diversified portfolio and an investment property
UsBuyers agent - Debt recycling: swap home loan debt for tax deductible investment debt
Us - Tax plan for every RSU vest, plus equity release and structuring
UsAccountantBroker - Super review: fees, investments and catch up contributions for Shelley
Us - Insurance gap analysis. We look after any claim
Us - Estate plan: wills, powers of attorney, testamentary trust
UsSolicitor - Retirement income modelling: can $20K a month last a lifetime?
Us
One combined strategy. Everything in one place.
Sample only. Names and details changed. Results depend on your circumstances.
Free. You leave with your own road map.
Case study
A Sales Director with $1M in lumpy pay.
Early 50s. Major US listed tech company in Sydney. Commission that swung by $300K a year.
Before
| Base salary | $250K |
| Commission | $250K to $550K |
| RSUs a year | $100K to $200K |
| Super | $900K |
| Shares, vested and unvested | $1M |
| Mortgage | $550K |
Great income. No clear plan for the bonus, the shares or the retirement date.
After
$20K
/ month
A clear path to passive income, sooner than expected.
- Every bonus split to a plan: tax, super, mortgage, portfolio, then lifestyle.
- RSUs sold down on a set rule, not on gut feel.
- Super topped up and balanced with his spouse.
- A legacy plan for the kids, including a testamentary trust.
“He told me he feels more in control and far less anxious about his financial future.”
Results depend on your circumstances. Shared with permission, details changed for privacy.
83 LinkedIn recommendations
What people in tech say on LinkedIn.
Real recommendations, pulled live from my LinkedIn profile.
Meet Mike Sikar
I started investing young. Then I spent a decade on the trading floor.
I was a futures trader and stockbroker before I founded Delta Financial Group in 2011. Today my team and I help tech leaders turn big, lumpy pay into income they can live on.
I’m a husband, a dad of two, and a Formula 1 fan. I take on 4 new clients a month, so every plan gets my full attention.
“It’s your assets that will eventually get you out of the rat race.”
Mike in the AFR
Our services
How Delta can help.
A roadmap built around what actually matters, not a one size fits all product.
Retirement Planning
Turning savings and equity compensation into an income that actually lasts.
Superannuation Advice
Using concessional and catch up contributions to offset a high marginal tax rate.
Wealth Management
Coordinating super, property, shares and vested stock into a single plan.
Tax Planning
Managing RSU tax events and other high income exposure before they become a problem.
Cash Flow Management
Structuring salary, bonus and vesting income so surplus stops disappearing.
Insurance Advice
Protecting income that often includes a large non guaranteed equity component.
Why work with us
A personal CFO for your whole financial life.
Tailored roadmaps
A plan built around your income, investments, super and lifestyle. Not a template.
Your personal CFO
Strategic thinking and simple decisions, so you can focus on your career.
Equity comp specialists
Years of experience with RSUs, ESPPs and company shares at the big tech names.
Proactive tax planning
We work before the vest and before June 30. That’s where the savings are.
Proven results
300+ early retirement plans delivered. 4.8 stars on Google. 83 LinkedIn recommendations.
We actually care
Family owned and family run since 2011. You deal with us, not a call centre.
Questions
Frequently asked questions.
Why should someone choose Delta?
Financial planning isn’t only about the money. It’s about the life behind it. We specialise in tech executives and sales leaders, so RSUs, ESPPs, commissions and home equity are what we work with every day. Every strategy is documented and explained clearly: the benefits, the actions, the risks and the costs.
What can clients expect to pay?
Your Early Retirement Blueprint is $5,500, paid only once you’re ready for it, with a 100% money back guarantee. Ongoing advice starts from $5K plus GST a year. The exact cost depends on your situation and is agreed in writing before you start.
How much does an initial consultation cost?
Nothing. Your Early Retirement Clarity Call and first two strategy sessions are complimentary and obligation free.
Why use a financial advisor instead of doing it yourself?
You can manage it yourself, and good tools exist. The challenge is consistency: staying on top of markets, tax changes, super rules and RSU timing takes real time. For busy tech professionals, an advisor frees up that time and reduces the risk of a costly, avoidable mistake.
How do I know if we’re a good fit?
It works well when you’re open to advice, willing to invest in the process and thinking long term. It doesn’t work if you want free advice, a quick fix, or won’t act on the plan. We’re upfront if we don’t think we’re a fit.
I’m ready to begin. What’s the next step?
Book your Early Retirement Clarity Call. It’s the easiest way to find out what’s possible.
On LinkedIn
See what I’m sharing on LinkedIn.
Real numbers, real client stories and what I’m seeing in the market. Straight from my feed.
Create an income for life
Find out when you can stop working.
Book your Early Retirement Clarity Call. 15 minutes, no cost, no obligation. You’ll leave knowing your next move.
Prefer to talk now? Call 02 9327 4338.
