Home › About
About Mike Sikar
I’ve built 300+ retirement plans for people like you.
Tech executives and sales leaders. Big, lumpy pay, RSUs and home equity, turned into a clear plan for $15K to $25K a month in retirement income. Many of my clients hold $500K to $5M+ in RSUs.
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
Meet Mike Sikar
Founder and Principal Financial Adviser.
I grew up in Redfern, in a working class immigrant family. My parents came here for a better life. That shaped everything about how I work.
I started investing in shares at 15 and topped the state in maths. I spent 9 years as a futures trader and stockbroker. Those years on the trading floor shaped my investment philosophy. Then I moved into financial advice, and found it too product driven and too generic.
So in 2011 I founded Delta Financial Group with one mission: help clients create an income for life. Today my team and I specialise in tech executives and sales leaders. Big, lumpy pay. RSUs. Home equity. We turn it into a plan for $15K to $25K a month in retirement.
I’ve been featured as a finance expert on Sky Business and in the AFR. Financial Standard named me one of the 50 most influential social media users in finance.
Outside work, I’m a dad of two. I’m a Formula 1 fan and I love a track day.
My story in four numbers
From the trading floor to your retirement plan.
15
My age when I bought my first shares.
9 yrs
As a futures trader and stockbroker.
2011
The year I founded Delta Financial Group.
300+
Retirement plans built since, now only for tech.
Hear it from me
Why I do what I do.
Why tech
Why I only work with people in tech.
I’ve run my advisory business since 2011. Then COVID changed everything.
During COVID I jumped on LinkedIn and started sharing what I know. The response was huge.
Then I had a light bulb moment. A lot of my best mates work in tech. We get each other. And my best results had always come from tech people: sales leaders, sales directors, CTOs, CIOs, VPs, consultants and engineers.
So I made a call to work only with people in tech. As far as I know, I’m one of the only advisers in Australia who does just that.
For me it’s less about strategy and more about fit. Someone who wants to retire early on $15K to $25K a month is a very different person to someone planning around the age pension. You need an adviser who gets you, and who delivers.
I’ve been a high earner myself. I had to learn how to structure loans, how to hold assets, what property to buy and how to protect myself when markets fall. Now my team and I do it for you.
Proof is in the pudding. My goal is to help 200 people retire in style. I see clients face to face at our Sydney office and on Teams in Melbourne and Brisbane.
You run big teams and budgets.
You know the value of an expert. You work with consultants every day. You can’t do it all yourself, and you shouldn’t have to.
You want it done, not just planned.
A strategy is worth nothing until it’s executed. My team and I do the doing, and you see the results.
You’re time poor and always on.
Back to back meetings, targets and travel. We keep it simple, fast and off your plate.
You want more than the age pension.
An above average lifestyle, funded early, on $15K to $25K a month. That takes a different plan, for a different person.
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.
How I work
Four things you can count on.
No fine print. This is how every client relationship runs.
I take on 4 new clients a month.
I work with around 150 clients today. Once I reach 200, I close my books, so every plan gets my full attention.
Tech only.
Tech executives and sales leaders. RSUs, ESPPs, commissions and home equity are what I work with every day.
Numbers, not jargon.
Every recommendation comes with the dollars: tax saved, income created, and the date you can stop working.
100% money back guarantee.
If you’re not 100% happy with the strategy in your Blueprint, you get your Blueprint fee back in full.
83 LinkedIn recommendations
Hear from our clients themselves.
Our team
Small team. Big care factor.
Mike, Chris, Jarrod and Megan are all involved in delivering your advice. So we know everything about you. Who you are, what matters to you, your kids’ names, even which footy team you follow.
It’s a hands on relationship, built on our four values: care, lead, empower and innovate. And it’s all part of my Private Wealth Program.
Jessica Wilson
General Manager
aka Decluttering Specialist
Runs the business day to day, so every client gets the same standard of service.
Jarrod Walter
Financial Adviser
aka Chief Problem Solver
Works alongside me on your advice. Seven years with Delta, from client service to adviser.
Chris Phillips
Head of Strategy
BCom BBus DipFinPlan
Writes the financial plans. Turns your numbers into a strategy you can act on.
Megan Dekok
Client Service Manager
Your first point of contact for meetings, paperwork and anything you need.
Nine Acojedo
Finance Strategist
Prepares and tracks home loan applications from start to settlement.
How we work together
My Private Wealth Program.
Six steps, from our first meeting to a relationship that lasts. As we go, you do less of the work and we do more.
Step 1
Goal setting and alignment
First meeting · 1 to 3 hours
- Your issues and concerns
- Your values and goals
- How you feel about risk
You 50% · Us 50%
Step 2
Information and analysis
1 to 2 weeks
- We gather all your information
- We run your servicing to see what you can borrow and which strategies are open to you
- We review and model your options
You 50% · Us 50%
Step 3
Strategy presentation
Your Blueprint, by day 30
- Retirement income modelling: exactly how you’ll reach your goal
- Debt recycling and cash flow strategy
- Super, investments, insurance and estate
- A timeline of actions for you and us
You 25% · Us 75%
Step 4
Implementation
3 to 18 months
- We act as your personal CFO
- We project manage all the specialists: accountant, broker, solicitor
- Forms prepared, ready to sign
You 25% · Us 75%
Step 5
Initial progress update
2 to 3 months in
- We make sure you’re okay
- You see the value of advice to date
- We review the strategy
You 25% · Us 75%
Step 6
Ongoing relationship
Every 6 months, ongoing
- We track your net worth every 6 months
- We make sure it’s growing fast enough to build the asset base that funds your retirement
- We adjust as your pay and life change
You 25% · Us 75%
Yellow shows your effort, blue shows ours.
Watch
What we can achieve in your first 100 days.
Where you might be now
- Disorganised and unprepared
- Not clear on your goals
- Paying too much tax
- Time poor
- Family at financial risk
- Money not working hard enough
Where you want to be
- Organised and confident
- Clear on your goals and in control
- Paying less tax
- More time for what matters
- Family protected, risks minimised
- A secure future, new opportunities
Questions
Frequently asked questions.
Why should I choose Delta?
Financial planning isn’t all about the money. It’s about your life. Money gives you choices, so you can enjoy more and worry less.
We specialise in tech executives and sales leaders. RSUs, ESPPs, commissions and home equity are what we work with every day.
All advice is documented and explained, so you understand the benefits, risks and costs. We handle the admin and paperwork through to completion, so nothing is missed.
How much does the first meeting cost?
Nothing. Your Early Retirement Clarity Call and your first two strategy sessions are free and obligation free. We just ask that you commit to a time and be fully present.
Why do I need an adviser? Can’t I do it myself?
You can. But planning involves many moving parts. Like a jigsaw, unless every piece is in the right place, the picture won’t be complete.
Most of our clients are busy. They work with us so one mistake on a vest, a loan or a super contribution doesn’t cost them years.
How will I know if we’re a good fit?
We could be a good fit if you’re open to advice, see it as an investment in your future, and are willing to act on the plan.
We’re not right for you if you want a get rich quick scheme, free advice, or a plan you won’t implement. If we don’t think we can help, we’ll tell you.
I’m ready to begin. What do I do now?
Book your Early Retirement Clarity Call using the calendar below. We look forward to getting to know you.
Create an income for life
Book your Early Retirement Clarity Call.
15 minutes. No cost, no obligation. Pick a time that suits you.
