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Financial Planning Services
One coordinated plan, not 19 separate products.
Between a base salary, RSU vesting and a bonus that lands at a different time to everything else, tech-sector income rarely follows one simple pattern. A decision made in one area, a vesting event or a bonus, can ripple into tax, superannuation and debt strategy, whether or not anyone planned for it.
Many people reach this stage already working with a mortgage broker, an accounting firm at tax time, or a super fund’s default advice line, each looking at one piece rather than the whole picture. Delta’s financial planning and financial advice services are built to work together: 19 services across equity compensation, retirement, wealth, lending and protection, coordinated as one plan rather than treated as separate transactions.
19 services, one plan
Explore Our Services
Each service can be engaged on its own or combined with others, depending on what’s most relevant at the time.
Our main services
Debt Recycling
My number one service, and the one most of my clients use. For those with home equity and consistent surplus income, Debt Recycling looks at whether non-deductible mortgage debt could be restructured into a tax-deductible investment loan. It carries genuine investment and interest rate risk, and suitability depends on individual circumstances.
Retirement Planning
A strong income today doesn’t automatically translate into a clear plan for income after work stops, particularly once RSU vesting slows down or ends. Retirement Planning looks at how super, equity and other assets might be structured to support an income later in life.
Pre-Retirement Planning
The 5 to 10 years before retirement are when the biggest decisions get made. Pre-Retirement Planning looks at contributions, debt reduction, equity sell downs and structure, so retirement is approached with a clear plan.
Superannuation Advice
Concessional contribution caps, and how salary sacrifice interacts with a high base salary plus bonus, are easy to get wrong without a plan. Superannuation Advice looks at contribution strategy and structure, with the aim of using superannuation as tax-effectively as current rules allow.
Tech equity
Employee Share Scheme Advice
Most tech employers pay part of the package in equity, through RSUs, an ESPP, options or a mix. Employee Share Scheme Advice looks at how each plan is taxed under Australian ESS rules and how it fits with the rest of your finances.
RSU Advice
Every RSU vest is taxed as income on top of salary, and many people end up concentrated in one company’s shares. RSU Advice looks at sell down timing, the tax on each vest and diversification, so vesting works toward a plan.
ESPP Advice
An ESPP discount can be valuable, but contribution levels, holding periods and currency exposure all affect the result. ESPP Advice looks at how much to contribute, when to sell, and how the shares fit a wider portfolio.
Employee Share Options
Options carry different tax timing and risks to RSUs, particularly at companies heading toward a liquidity event. This service looks at exercise timing, tax and how much wealth sits in one company.
Retirement Income Modelling
Before a big decision, it helps to see the numbers. Retirement Income Modelling maps out scenarios for income, equity, super and property, so options can be compared and the point where work becomes optional is clearer.
Tax
Tax Planning
A vesting date or a bonus creates a tax event. Tax Planning focuses on tax-effective wealth creation strategies, planned ahead of the vest, the bonus and the end of the financial year rather than after them.
Tax Structuring Advice
Who holds an investment matters as much as what it is. Tax Structuring Advice looks at whether shares, property and other investments sit best in personal names, a family trust, a company or super, given income, family and long term goals.
Wealth and investments
Wealth Management
Vested shares, an investment property, superannuation, and unvested equity from a previous employer can add up to a meaningful position without ever being looked at together. Wealth Management brings these pieces into a single, coordinated strategy.
Investment Advice
Where new money goes, how it’s spread across assets, and whose name it’s held in all matter. Investment Advice looks at building a diversified portfolio, using a core and satellite approach, matched to a timeline and tax position.
Property and lending
Property Strategy
Property is often a large part of a tech professional’s wealth, whether it’s the family home or an investment. Property Strategy looks at how property fits alongside shares and super, including holding costs, tax and cash flow.
Mortgage Broking and Loan Structuring
How loans are set up affects tax deductibility, cash flow and flexibility. Mortgage Broking and Loan Structuring looks at home and investment loans, and how they could be structured to support the wider plan.
Cash flow and Personal CFO
Cash Flow Management
A high income with little visible surplus is a common pattern, often because spending has scaled up alongside earnings without anyone noticing. Cash Flow Management focuses on building a system for identifying and directing surplus, rather than relying on a one-off budget.
Personal CFO Services
For busy executives who want one person across everything. Personal CFO Services covers the ongoing coordination of cash flow, equity, tax, super and investments, with regular reviews as life changes.
Protection and legacy
Insurance Advice
Default insurance cover inside superannuation is rarely reviewed, and it’s often out of step with a current income, mortgage or growing family. Insurance Advice looks at whether existing cover still matches the current situation.
Estate and Legacy Planning
Wealth built over a career needs a plan for how it passes on. Estate and Legacy Planning looks at super death benefits, testamentary trusts and how assets could pass to children in a protected, tax-effective way.
Who we help
Who We Help
Delta’s clients are usually tech professionals somewhere along a similar path, though the specifics vary from person to person.
- Senior engineers, staff and principal engineers, and other individual contributors with meaningful unvested or vesting RSU or ESOP balances at ASX- or Nasdaq-listed companies.
- Engineering managers, directors and other engineering leaders balancing a high fixed base plus bonus with limited time for financial admin.
- Product managers, program leads, and data or ML professionals managing equity from a current employer alongside unvested grants left over from a previous one.
The Technology Executive case study shows what this has looked like in practice for one client in a broadly similar situation; individual outcomes will vary.
Getting started
How the Process Works
Getting started begins with a discovery call, used to work out which services are actually relevant rather than assuming all of them apply from the outset. From there, strategy and modelling explore the options in detail before anything is implemented, implementation puts the agreed plan into action, and ongoing review keeps the plan aligned as income, equity and personal circumstances change over time. To see what the first 100 days look like in practice, watch Kick start your financial goals in 100 days.
A coordinated view of scattered accounts, super and equity starts with a single conversation.
Questions
Frequently Asked Questions
Is it necessary to use all 19 services, or can just one be engaged?
Most clients start with one or two services, commonly Cash Flow Management or Tax Planning, and expand from there once the wider picture is coordinated. There’s no expectation of needing everything at once.
Why is this needed if an accountant or mortgage broker is already in place?
Delta’s services are generally designed to coordinate across existing relationships rather than replace them. Many tech professionals already work with several single-purpose providers, and the value tends to come from someone looking at how those pieces fit together.
Are RSUs or employee share options within scope?
Yes, this is a significant part of the client base. Equity compensation, vesting schedules and the tax events they create are a regular part of the conversation. The Technology Executive case study shows an example of how this has been approached.
What does it cost to get started?
Costs vary depending on the complexity of the situation and which services are relevant, with full detail available on the pricing page. The first conversation is complimentary and carries no obligation to proceed.
