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  80.      primary-button-style-solid primary-button-shape-custom secondary-button-style-outline secondary-button-shape-custom tertiary-button-style-outline tertiary-button-shape-underline  form-field-style-solid form-field-shape-square form-field-border-all form-field-checkbox-type-icon form-field-checkbox-fill-solid form-field-checkbox-color-inverted form-field-checkbox-shape-square form-field-checkbox-layout-stack form-field-radio-type-icon form-field-radio-fill-solid form-field-radio-color-normal form-field-radio-shape-pill form-field-radio-layout-stack form-field-survey-fill-solid form-field-survey-color-normal form-field-survey-shape-pill form-field-hover-focus-outline form-submit-button-style-label header-overlay-alignment-left header-width-full  tweak-fixed-header tweak-fixed-header-style-basic tweak-blog-alternating-side-by-side-width-full tweak-blog-alternating-side-by-side-image-aspect-ratio-11-square tweak-blog-alternating-side-by-side-text-alignment-left tweak-blog-alternating-side-by-side-read-more-style-show tweak-blog-alternating-side-by-side-image-text-alignment-middle tweak-blog-alternating-side-by-side-delimiter-bullet tweak-blog-alternating-side-by-side-meta-position-top tweak-blog-alternating-side-by-side-primary-meta-categories tweak-blog-alternating-side-by-side-secondary-meta-date tweak-blog-alternating-side-by-side-excerpt-show tweak-blog-basic-grid-width-inset tweak-blog-basic-grid-image-aspect-ratio-32-standard tweak-blog-basic-grid-text-alignment-left tweak-blog-basic-grid-delimiter-bullet tweak-blog-basic-grid-image-placement-above tweak-blog-basic-grid-read-more-style-show tweak-blog-basic-grid-primary-meta-date tweak-blog-basic-grid-secondary-meta-categories tweak-blog-basic-grid-excerpt-show tweak-blog-item-width-medium tweak-blog-item-text-alignment-center tweak-blog-item-meta-position-above-title tweak-blog-item-show-categories tweak-blog-item-show-date tweak-blog-item-show-author-name  tweak-blog-item-delimiter-bullet tweak-blog-masonry-width-full tweak-blog-masonry-text-alignment-left tweak-blog-masonry-primary-meta-categories tweak-blog-masonry-secondary-meta-date tweak-blog-masonry-meta-position-top tweak-blog-masonry-read-more-style-show tweak-blog-masonry-delimiter-space tweak-blog-masonry-image-placement-above tweak-blog-masonry-excerpt-show tweak-blog-side-by-side-width-full tweak-blog-side-by-side-image-placement-left tweak-blog-side-by-side-image-aspect-ratio-11-square tweak-blog-side-by-side-primary-meta-categories tweak-blog-side-by-side-secondary-meta-date tweak-blog-side-by-side-meta-position-top tweak-blog-side-by-side-text-alignment-left tweak-blog-side-by-side-image-text-alignment-middle tweak-blog-side-by-side-read-more-style-show tweak-blog-side-by-side-delimiter-bullet tweak-blog-side-by-side-excerpt-show tweak-blog-single-column-width-full tweak-blog-single-column-text-alignment-center tweak-blog-single-column-image-placement-above tweak-blog-single-column-delimiter-bullet tweak-blog-single-column-read-more-style-show tweak-blog-single-column-primary-meta-date tweak-blog-single-column-secondary-meta-categories tweak-blog-single-column-meta-position-top tweak-blog-single-column-content-title-only tweak-events-stacked-width-inset tweak-events-stacked-height-small  tweak-events-stacked-show-thumbnails tweak-events-stacked-thumbnail-size-23-standard-vertical tweak-events-stacked-date-style-side-tag tweak-events-stacked-show-time tweak-events-stacked-show-location  tweak-events-stacked-show-excerpt  tweak-global-animations-enabled tweak-global-animations-complexity-level-detailed tweak-global-animations-animation-style-fade tweak-global-animations-animation-type-flex tweak-global-animations-animation-curve-ease tweak-portfolio-grid-basic-width-full tweak-portfolio-grid-basic-height-large tweak-portfolio-grid-basic-image-aspect-ratio-11-square tweak-portfolio-grid-basic-text-alignment-left tweak-portfolio-grid-basic-hover-effect-fade tweak-portfolio-grid-overlay-width-full tweak-portfolio-grid-overlay-height-large tweak-portfolio-grid-overlay-image-aspect-ratio-11-square tweak-portfolio-grid-overlay-text-placement-center tweak-portfolio-grid-overlay-show-text-after-hover tweak-portfolio-index-background-link-format-stacked tweak-portfolio-index-background-width-full tweak-portfolio-index-background-height-large  tweak-portfolio-index-background-vertical-alignment-middle tweak-portfolio-index-background-horizontal-alignment-center tweak-portfolio-index-background-delimiter-none tweak-portfolio-index-background-animation-type-fade tweak-portfolio-index-background-animation-duration-medium tweak-portfolio-hover-follow-layout-stacked  tweak-portfolio-hover-follow-delimiter-period tweak-portfolio-hover-follow-animation-type-fade tweak-portfolio-hover-follow-animation-duration-medium tweak-portfolio-hover-static-layout-inline tweak-portfolio-hover-static-front tweak-portfolio-hover-static-delimiter-hyphen tweak-portfolio-hover-static-animation-type-fade tweak-portfolio-hover-static-animation-duration-fast image-block-poster-text-alignment-center image-block-card-content-position-center image-block-card-text-alignment-left image-block-overlap-content-position-center image-block-overlap-text-alignment-left image-block-collage-content-position-center image-block-collage-text-alignment-left image-block-stack-text-alignment-left hide-opentable-icons opentable-style-dark tweak-product-quick-view-button-style-floating tweak-product-quick-view-button-position-bottom tweak-product-quick-view-lightbox-excerpt-display-truncate tweak-product-quick-view-lightbox-show-arrows tweak-product-quick-view-lightbox-show-close-button tweak-product-quick-view-lightbox-controls-weight-light native-currency-code-aud collection-667e09ff3dcae407494cd397 collection-type-page collection-layout-default homepage mobile-style-available sqs-seven-one
  81.      
  82.        
  83.          
  84.            
  85.              
  86.            
  87.          
  88.        
  89.      
  90.    "
  91.    tabindex="-1"
  92.  >
  93.    <div
  94.      id="siteWrapper"
  95.      class="clearfix site-wrapper"
  96.    >
  97.      
  98.        <div id="floatingCart" class="floating-cart hidden">
  99.          <a href="/cart" class="icon icon--stroke icon--fill icon--cart sqs-custom-cart">
  100.            <span class="Cart-inner">
  101.              
  102.  
  103.  
  104.  
  105.  <svg class="icon icon--cart" width="61" height="49" viewBox="0 0 61 49">
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  110. </svg>
  111.  
  112.              <div class="legacy-cart icon-cart-quantity">
  113.                <span class="sqs-cart-quantity">0</span>
  114.              </div>
  115.            </span>
  116.          </a>
  117.        </div>
  118.      
  119.  
  120.      
  121.  
  122.  
  123.  
  124.  
  125.  
  126.  
  127.  
  128.  
  129.  
  130.  
  131.  
  132.  
  133.  <header
  134.    data-test="header"
  135.    id="header"
  136.    
  137.    class="
  138.      
  139.        white-bold
  140.      
  141.      header theme-col--primary
  142.    "
  143.    data-section-theme="white-bold"
  144.    data-controller="Header"
  145.    data-current-styles="{
  146. &quot;layout&quot;: &quot;navRight&quot;,
  147. &quot;action&quot;: {
  148. &quot;href&quot;: &quot;/blog-1&quot;,
  149. &quot;buttonText&quot;: &quot;&quot;,
  150. &quot;newWindow&quot;: false
  151. },
  152. &quot;showSocial&quot;: true,
  153. &quot;socialOptions&quot;: {
  154. &quot;socialBorderShape&quot;: &quot;circle&quot;,
  155. &quot;socialBorderStyle&quot;: &quot;outline&quot;,
  156. &quot;socialBorderThickness&quot;: {
  157. &quot;unit&quot;: &quot;px&quot;,
  158. &quot;value&quot;: 1.0
  159. }
  160. },
  161. &quot;sectionTheme&quot;: &quot;white-bold&quot;,
  162. &quot;menuOverlayAnimation&quot;: &quot;fade&quot;,
  163. &quot;cartStyle&quot;: &quot;cart&quot;,
  164. &quot;cartText&quot;: &quot;Cart&quot;,
  165. &quot;showEmptyCartState&quot;: true,
  166. &quot;cartOptions&quot;: {
  167. &quot;iconType&quot;: &quot;solid-7&quot;,
  168. &quot;cartBorderShape&quot;: &quot;none&quot;,
  169. &quot;cartBorderStyle&quot;: &quot;outline&quot;,
  170. &quot;cartBorderThickness&quot;: {
  171. &quot;unit&quot;: &quot;px&quot;,
  172. &quot;value&quot;: 1.0
  173. }
  174. },
  175. &quot;showButton&quot;: false,
  176. &quot;showCart&quot;: false,
  177. &quot;showAccountLogin&quot;: true,
  178. &quot;headerStyle&quot;: &quot;theme&quot;,
  179. &quot;languagePicker&quot;: {
  180. &quot;enabled&quot;: false,
  181. &quot;iconEnabled&quot;: false,
  182. &quot;iconType&quot;: &quot;globe&quot;,
  183. &quot;flagShape&quot;: &quot;shiny&quot;,
  184. &quot;languageFlags&quot;: [ ]
  185. },
  186. &quot;iconOptions&quot;: {
  187. &quot;desktopDropdownIconOptions&quot;: {
  188. &quot;endcapType&quot;: &quot;square&quot;,
  189. &quot;folderDropdownIcon&quot;: &quot;none&quot;,
  190. &quot;languagePickerIcon&quot;: &quot;openArrowHead&quot;
  191. },
  192. &quot;mobileDropdownIconOptions&quot;: {
  193. &quot;endcapType&quot;: &quot;square&quot;,
  194. &quot;folderDropdownIcon&quot;: &quot;openArrowHead&quot;,
  195. &quot;languagePickerIcon&quot;: &quot;openArrowHead&quot;
  196. }
  197. },
  198. &quot;mobileOptions&quot;: {
  199. &quot;layout&quot;: &quot;logoLeftNavRight&quot;,
  200. &quot;menuIconOptions&quot;: {
  201. &quot;style&quot;: &quot;doubleLineHamburger&quot;,
  202. &quot;thickness&quot;: {
  203. &quot;unit&quot;: &quot;px&quot;,
  204. &quot;value&quot;: 1.0
  205. }
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  207. },
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  209. &quot;headerOpacity&quot;: {
  210. &quot;unit&quot;: &quot;%&quot;,
  211. &quot;value&quot;: 100.0
  212. },
  213. &quot;blurBackground&quot;: {
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  220. },
  221. &quot;gradientOptions&quot;: {
  222. &quot;gradientType&quot;: &quot;faded&quot;,
  223. &quot;headerOpacity&quot;: {
  224. &quot;unit&quot;: &quot;%&quot;,
  225. &quot;value&quot;: 90.0
  226. },
  227. &quot;blurBackground&quot;: {
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  230. &quot;unit&quot;: &quot;px&quot;,
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  234. },
  235. &quot;dropShadowOptions&quot;: {
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  243. &quot;value&quot;: 12.0
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  247. &quot;value&quot;: 12.0
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  250. &quot;borderOptions&quot;: {
  251. &quot;enabled&quot;: false,
  252. &quot;position&quot;: &quot;allSides&quot;,
  253. &quot;thickness&quot;: {
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  255. &quot;value&quot;: 4.0
  256. }
  257. },
  258. &quot;showPromotedElement&quot;: false,
  259. &quot;buttonVariant&quot;: &quot;primary&quot;,
  260. &quot;blurBackground&quot;: {
  261. &quot;enabled&quot;: false,
  262. &quot;blurRadius&quot;: {
  263. &quot;unit&quot;: &quot;px&quot;,
  264. &quot;value&quot;: 12.0
  265. }
  266. },
  267. &quot;headerOpacity&quot;: {
  268. &quot;unit&quot;: &quot;%&quot;,
  269. &quot;value&quot;: 100.0
  270. }
  271. }"
  272.    data-section-id="header"
  273.    data-header-style="theme"
  274.    data-language-picker="{
  275. &quot;enabled&quot;: false,
  276. &quot;iconEnabled&quot;: false,
  277. &quot;iconType&quot;: &quot;globe&quot;,
  278. &quot;flagShape&quot;: &quot;shiny&quot;,
  279. &quot;languageFlags&quot;: [ ]
  280. }"
  281.    
  282.    data-first-focusable-element
  283.    tabindex="-1"
  284.    style="
  285.      
  286.      
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  288.      
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  290.      
  291.    "
  292.  >
  293.    <svg  style="display:none" viewBox="0 0 22 22" xmlns="http://www.w3.org/2000/svg">
  294.  <symbol id="circle" >
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  296.  </symbol>
  297.  
  298.  <symbol id="circleFilled" >
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  300.  </symbol>
  301.  
  302.  <symbol id="dash" >
  303.    <path d="M11 11H19H3" />
  304.  </symbol>
  305.  
  306.  <symbol id="squareFilled" >
  307.    <rect x="6" y="6" width="11" height="11" />
  308.  </symbol>
  309.  
  310.  <symbol id="square" >
  311.    <rect x="7" y="7" width="9" height="9" fill="none" stroke="inherit" />
  312.  </symbol>
  313.  
  314.  <symbol id="plus" >
  315.    <path d="M11 3V19" />
  316.    <path d="M19 11L3 11"/>
  317.  </symbol>
  318.  
  319.  <symbol id="closedArrow" >
  320.    <path d="M11 11V2M11 18.1797L17 11.1477L5 11.1477L11 18.1797Z" fill="none" />
  321.  </symbol>
  322.  
  323.  <symbol id="closedArrowFilled" >
  324.    <path d="M11 11L11 2" stroke="inherit" fill="none"  />
  325.    <path fill-rule="evenodd" clip-rule="evenodd" d="M2.74695 9.38428L19.038 9.38428L10.8925 19.0846L2.74695 9.38428Z" stroke-width="1" />
  326.  </symbol>
  327.  
  328.  <symbol id="closedArrowHead" viewBox="0 0 22 22"  xmlns="http://www.w3.org/2000/symbol">
  329.    <path d="M18 7L11 15L4 7L18 7Z" fill="none" stroke="inherit" />
  330.  </symbol>
  331.  
  332.  
  333.  <symbol id="closedArrowHeadFilled" viewBox="0 0 22 22"  xmlns="http://www.w3.org/2000/symbol">
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  335.  </symbol>
  336.  
  337.  <symbol id="openArrow" >
  338.    <path d="M11 18.3591L11 3" stroke="inherit" fill="none"  />
  339.    <path d="M18 11.5L11 18.5L4 11.5" stroke="inherit" fill="none"  />
  340.  </symbol>
  341.  
  342.  <symbol id="openArrowHead" >
  343.    <path d="M18 7L11 14L4 7" fill="none" />
  344.  </symbol>
  345.  
  346.  <symbol id="pinchedArrow" >
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  349.  </symbol>
  350.  
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  353.    <path d="M11 11L11 1" fill="none"/>
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  355.  
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  359.  
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  362.  </symbol>
  363.  
  364. </svg>
  365.    
  366. <div class="sqs-announcement-bar-dropzone"></div>
  367.  
  368.    <div class="header-announcement-bar-wrapper">
  369.      
  370.      <a
  371.        href="#page"
  372.        class="header-skip-link sqs-button-element--primary"
  373.      >
  374.        Skip to Content
  375.      </a>
  376.      
  377.  
  378.  
  379. <style>
  380.    @supports (-webkit-backdrop-filter: none) or (backdrop-filter: none) {
  381.        .header-blur-background {
  382.            
  383.            
  384.        }
  385.    }
  386. </style>
  387.      <div
  388.        class="header-border"
  389.        data-header-style="theme"
  390.        data-header-border="false"
  391.        data-test="header-border"
  392.        style="
  393.  
  394.  
  395.  
  396.  
  397. "
  398.      ></div>
  399.      <div
  400.        class="header-dropshadow"
  401.        data-header-style="theme"
  402.        data-header-dropshadow="true"
  403.        data-test="header-dropshadow"
  404.        style="
  405.  box-shadow: 0px 12px 48px 12px;
  406. "
  407.      ></div>
  408.      
  409.      
  410.  
  411.      <div class='header-inner container--fluid
  412.        
  413.        
  414.        
  415.         header-mobile-layout-logo-left-nav-right
  416.        
  417.        
  418.        
  419.        
  420.        
  421.        
  422.         header-layout-nav-right
  423.        
  424.        
  425.        
  426.        
  427.        
  428.        
  429.        
  430.        
  431.        '
  432.        data-test="header-inner"
  433.        >
  434.        <!-- Background -->
  435.        <div class="header-background theme-bg--primary"></div>
  436.  
  437.        <div class="header-display-desktop" data-content-field="site-title">
  438.          
  439.  
  440.          
  441.  
  442.          
  443.  
  444.          
  445.  
  446.          
  447.  
  448.          
  449.          
  450.            
  451.            <!-- Social -->
  452.            
  453.              
  454.            
  455.          
  456.            
  457.            <!-- Title and nav wrapper -->
  458.            <div class="header-title-nav-wrapper">
  459.              
  460.  
  461.              
  462.  
  463.              
  464.                
  465.                <!-- Title -->
  466.                
  467.                  <div
  468.                    class="
  469.                      header-title
  470.                      
  471.                    "
  472.                    data-animation-role="header-element"
  473.                  >
  474.                    
  475.                      <div class="header-title-logo">
  476.                        <a href="/" data-animation-role="header-element">
  477.                        
  478. <img elementtiming="nbf-header-logo-desktop" src="//images.squarespace-cdn.com/content/v1/65181c6825ee500b3bc2d350/0a66f0f7-86ef-41f0-95a9-dd139fd10959/James+Hayes++Financial+Planner+Logo+%281%29.png?format=1500w" alt="James Hayes - Financial Planner" style="display:block" fetchpriority="high" loading="eager" decoding="async" data-loader="raw">
  479.  
  480.                        </a>
  481.                      </div>
  482.  
  483.                    
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  485.                  </div>
  486.                
  487.              
  488.                
  489.                <!-- Nav -->
  490.                <div class="header-nav">
  491.                  <div class="header-nav-wrapper">
  492.                    <nav class="header-nav-list">
  493.                      
  494.  
  495.  
  496.  
  497.    <div class="header-nav-item header-nav-item--collection header-nav-item--active header-nav-item--homepage">
  498.      <a
  499.        href="/"
  500.        data-animation-role="header-element"
  501.        
  502.          aria-current="page"
  503.        
  504.      >
  505.        Home
  506.      </a>
  507.    </div>
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  510.  
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  512.  
  513.  
  514.    <div class="header-nav-item header-nav-item--folder">
  515.      <a
  516.        class="header-nav-folder-title"
  517.        href="/our-services"
  518.        data-animation-role="header-element"
  519.        aria-expanded="false"
  520.        aria-label="folder dropdown"
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  522.        
  523.      >
  524.      <span class="header-nav-folder-title-text">
  525.        Our Services
  526.      </span>
  527.      </a>
  528.      <div class="header-nav-folder-content" id="our-services">
  529.        
  530.          
  531.            <div class="header-nav-folder-item">
  532.              <a
  533.                href="/superannuation-advice-australia"
  534.                
  535.              >
  536.                <span class="header-nav-folder-item-content">
  537.                  Superannuation Advice Australia
  538.                </span>
  539.              </a>
  540.            </div>
  541.          
  542.          
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  544.          
  545.            <div class="header-nav-folder-item">
  546.              <a
  547.                href="/transition-to-retirement-ttr"
  548.                
  549.              >
  550.                <span class="header-nav-folder-item-content">
  551.                  Transition to retirement
  552.                </span>
  553.              </a>
  554.            </div>
  555.          
  556.          
  557.        
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  560.              <a
  561.                href="/inheritance-advice"
  562.                
  563.              >
  564.                <span class="header-nav-folder-item-content">
  565.                  Inheritance Advice
  566.                </span>
  567.              </a>
  568.            </div>
  569.          
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  574.              <a
  575.                href="/shares-and-etf-investing-advice"
  576.                
  577.              >
  578.                <span class="header-nav-folder-item-content">
  579.                  Shares and ETF Investing Advice
  580.                </span>
  581.              </a>
  582.            </div>
  583.          
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  586.          
  587.            <div class="header-nav-folder-item">
  588.              <a
  589.                href="/property-investment"
  590.                
  591.              >
  592.                <span class="header-nav-folder-item-content">
  593.                  Property Investment
  594.                </span>
  595.              </a>
  596.            </div>
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  602.              <a
  603.                href="/old-age-pension-australia"
  604.                
  605.              >
  606.                <span class="header-nav-folder-item-content">
  607.                  Old age pension
  608.                </span>
  609.              </a>
  610.            </div>
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  614.          
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  616.              <a
  617.                href="/aged-care-planning-advice"
  618.                
  619.              >
  620.                <span class="header-nav-folder-item-content">
  621.                  Aged Care Planning Advice
  622.                </span>
  623.              </a>
  624.            </div>
  625.          
  626.          
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  629.            <div class="header-nav-folder-item">
  630.              <a
  631.                href="/first-home-buyers-advice"
  632.                
  633.              >
  634.                <span class="header-nav-folder-item-content">
  635.                  First Home Buyers Advice
  636.                </span>
  637.              </a>
  638.            </div>
  639.          
  640.          
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  644.              <a
  645.                href="/ethical-investing"
  646.                
  647.              >
  648.                <span class="header-nav-folder-item-content">
  649.                  Ethical Investing
  650.                </span>
  651.              </a>
  652.            </div>
  653.          
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  655.        
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  658.              <a
  659.                href="/financial-adviser-sutherland-shire"
  660.                
  661.              >
  662.                <span class="header-nav-folder-item-content">
  663.                  Financial Adviser Sutherland Shire
  664.                </span>
  665.              </a>
  666.            </div>
  667.          
  668.          
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  672.              <a
  673.                href="/financial-planner-caringbah"
  674.                
  675.              >
  676.                <span class="header-nav-folder-item-content">
  677.                  Financial Planner Caringbah
  678.                </span>
  679.              </a>
  680.            </div>
  681.          
  682.          
  683.        
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  685.            <div class="header-nav-folder-item">
  686.              <a
  687.                href="/financial-advisor-sydney"
  688.                
  689.              >
  690.                <span class="header-nav-folder-item-content">
  691.                  Financial Advisor Sydney
  692.                </span>
  693.              </a>
  694.            </div>
  695.          
  696.          
  697.        
  698.          
  699.            <div class="header-nav-folder-item">
  700.              <a
  701.                href="/certified-financial-planner-australia"
  702.                
  703.              >
  704.                <span class="header-nav-folder-item-content">
  705.                  Certified Financial Planner Australia
  706.                </span>
  707.              </a>
  708.            </div>
  709.          
  710.          
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  714.              <a
  715.                href="/financial-planner-gymea"
  716.                
  717.              >
  718.                <span class="header-nav-folder-item-content">
  719.                  Financial Planner Gymea
  720.                </span>
  721.              </a>
  722.            </div>
  723.          
  724.          
  725.        
  726.          
  727.            <div class="header-nav-folder-item">
  728.              <a
  729.                href="/financial-adviser-sylvania"
  730.                
  731.              >
  732.                <span class="header-nav-folder-item-content">
  733.                  Financial Adviser Sylvania
  734.                </span>
  735.              </a>
  736.            </div>
  737.          
  738.          
  739.        
  740.          
  741.            <div class="header-nav-folder-item">
  742.              <a
  743.                href="/financial-planner-engadine"
  744.                
  745.              >
  746.                <span class="header-nav-folder-item-content">
  747.                  Financial Planner Engadine
  748.                </span>
  749.              </a>
  750.            </div>
  751.          
  752.          
  753.        
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  756.              <a
  757.                href="/financial-adviser-kirrawee"
  758.                
  759.              >
  760.                <span class="header-nav-folder-item-content">
  761.                  Financial Adviser Kirrawee
  762.                </span>
  763.              </a>
  764.            </div>
  765.          
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  768.      </div>
  769.    </div>
  770.  
  771.  
  772.  
  773.  
  774.  
  775.    <div class="header-nav-item header-nav-item--collection">
  776.      <a
  777.        href="/frequently-asked-questions"
  778.        data-animation-role="header-element"
  779.        
  780.      >
  781.        FAQ
  782.      </a>
  783.    </div>
  784.  
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  786.  
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  788.  
  789.  
  790.    <div class="header-nav-item header-nav-item--collection">
  791.      <a
  792.        href="/wills-estate-planning"
  793.        data-animation-role="header-element"
  794.        
  795.      >
  796.        Wills Estate Planning
  797.      </a>
  798.    </div>
  799.  
  800.  
  801.  
  802.  
  803.  
  804.  
  805.    <div class="header-nav-item header-nav-item--collection">
  806.      <a
  807.        href="/contact-us"
  808.        data-animation-role="header-element"
  809.        
  810.      >
  811.        Contact-Us
  812.      </a>
  813.    </div>
  814.  
  815.  
  816.  
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  820.    <div class="header-nav-item header-nav-item--collection">
  821.      <a
  822.        href="/blog"
  823.        data-animation-role="header-element"
  824.        
  825.      >
  826.        Blog
  827.      </a>
  828.    </div>
  829.  
  830.  
  831.  
  832.  
  833.  
  834.  
  835.                    </nav>
  836.                  </div>
  837.                </div>
  838.              
  839.              
  840.            </div>
  841.          
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  843.            <!-- Actions -->
  844.            <div class="header-actions header-actions--right">
  845.              
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  849.                    
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  855.                        </a>
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  865.                
  866.              
  867.  
  868.              
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  870.            
  871.            
  872.  
  873.              
  874.              <div class="showOnMobile">
  875.                
  876.              </div>
  877.  
  878.              
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  880.                
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  882.  
  883.              
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  885.          
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  887.  
  888.  
  889. <style>
  890.  .top-bun,
  891.  .patty,
  892.  .bottom-bun {
  893.    height: 1px;
  894.  }
  895. </style>
  896.  
  897. <!-- Burger -->
  898. <div class="header-burger
  899.  
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  904.    <span hidden class="js-header-burger-open-title visually-hidden">Open Menu</span>
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  906.    <div class="burger-box">
  907.      <div class="burger-inner header-menu-icon-doubleLineHamburger">
  908.        <div class="top-bun"></div>
  909.        <div class="patty"></div>
  910.        <div class="bottom-bun"></div>
  911.      </div>
  912.    </div>
  913.  </button>
  914. </div>
  915.  
  916.          
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  922.        </div>
  923.        <div class="header-display-mobile" data-content-field="site-title">
  924.          
  925.            
  926.            <!-- Social -->
  927.            
  928.              
  929.            
  930.          
  931.            
  932.            <!-- Title and nav wrapper -->
  933.            <div class="header-title-nav-wrapper">
  934.              
  935.  
  936.              
  937.  
  938.              
  939.                
  940.                <!-- Title -->
  941.                
  942.                  <div
  943.                    class="
  944.                      header-title
  945.                      
  946.                    "
  947.                    data-animation-role="header-element"
  948.                  >
  949.                    
  950.                      <div class="header-title-logo">
  951.                        <a href="/" data-animation-role="header-element">
  952.                        
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  954.  
  955.                        </a>
  956.                      </div>
  957.  
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  960.                  </div>
  961.                
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  963.                
  964.                <!-- Nav -->
  965.                <div class="header-nav">
  966.                  <div class="header-nav-wrapper">
  967.                    <nav class="header-nav-list">
  968.                      
  969.  
  970.  
  971.  
  972.    <div class="header-nav-item header-nav-item--collection header-nav-item--active header-nav-item--homepage">
  973.      <a
  974.        href="/"
  975.        data-animation-role="header-element"
  976.        
  977.          aria-current="page"
  978.        
  979.      >
  980.        Home
  981.      </a>
  982.    </div>
  983.  
  984.  
  985.  
  986.  
  987.  
  988.  
  989.    <div class="header-nav-item header-nav-item--folder">
  990.      <a
  991.        class="header-nav-folder-title"
  992.        href="/our-services"
  993.        data-animation-role="header-element"
  994.        aria-expanded="false"
  995.        aria-label="folder dropdown"
  996.        aria-controls="our-services"
  997.        
  998.      >
  999.      <span class="header-nav-folder-title-text">
  1000.        Our Services
  1001.      </span>
  1002.      </a>
  1003.      <div class="header-nav-folder-content" id="our-services">
  1004.        
  1005.          
  1006.            <div class="header-nav-folder-item">
  1007.              <a
  1008.                href="/superannuation-advice-australia"
  1009.                
  1010.              >
  1011.                <span class="header-nav-folder-item-content">
  1012.                  Superannuation Advice Australia
  1013.                </span>
  1014.              </a>
  1015.            </div>
  1016.          
  1017.          
  1018.        
  1019.          
  1020.            <div class="header-nav-folder-item">
  1021.              <a
  1022.                href="/transition-to-retirement-ttr"
  1023.                
  1024.              >
  1025.                <span class="header-nav-folder-item-content">
  1026.                  Transition to retirement
  1027.                </span>
  1028.              </a>
  1029.            </div>
  1030.          
  1031.          
  1032.        
  1033.          
  1034.            <div class="header-nav-folder-item">
  1035.              <a
  1036.                href="/inheritance-advice"
  1037.                
  1038.              >
  1039.                <span class="header-nav-folder-item-content">
  1040.                  Inheritance Advice
  1041.                </span>
  1042.              </a>
  1043.            </div>
  1044.          
  1045.          
  1046.        
  1047.          
  1048.            <div class="header-nav-folder-item">
  1049.              <a
  1050.                href="/shares-and-etf-investing-advice"
  1051.                
  1052.              >
  1053.                <span class="header-nav-folder-item-content">
  1054.                  Shares and ETF Investing Advice
  1055.                </span>
  1056.              </a>
  1057.            </div>
  1058.          
  1059.          
  1060.        
  1061.          
  1062.            <div class="header-nav-folder-item">
  1063.              <a
  1064.                href="/property-investment"
  1065.                
  1066.              >
  1067.                <span class="header-nav-folder-item-content">
  1068.                  Property Investment
  1069.                </span>
  1070.              </a>
  1071.            </div>
  1072.          
  1073.          
  1074.        
  1075.          
  1076.            <div class="header-nav-folder-item">
  1077.              <a
  1078.                href="/old-age-pension-australia"
  1079.                
  1080.              >
  1081.                <span class="header-nav-folder-item-content">
  1082.                  Old age pension
  1083.                </span>
  1084.              </a>
  1085.            </div>
  1086.          
  1087.          
  1088.        
  1089.          
  1090.            <div class="header-nav-folder-item">
  1091.              <a
  1092.                href="/aged-care-planning-advice"
  1093.                
  1094.              >
  1095.                <span class="header-nav-folder-item-content">
  1096.                  Aged Care Planning Advice
  1097.                </span>
  1098.              </a>
  1099.            </div>
  1100.          
  1101.          
  1102.        
  1103.          
  1104.            <div class="header-nav-folder-item">
  1105.              <a
  1106.                href="/first-home-buyers-advice"
  1107.                
  1108.              >
  1109.                <span class="header-nav-folder-item-content">
  1110.                  First Home Buyers Advice
  1111.                </span>
  1112.              </a>
  1113.            </div>
  1114.          
  1115.          
  1116.        
  1117.          
  1118.            <div class="header-nav-folder-item">
  1119.              <a
  1120.                href="/ethical-investing"
  1121.                
  1122.              >
  1123.                <span class="header-nav-folder-item-content">
  1124.                  Ethical Investing
  1125.                </span>
  1126.              </a>
  1127.            </div>
  1128.          
  1129.          
  1130.        
  1131.          
  1132.            <div class="header-nav-folder-item">
  1133.              <a
  1134.                href="/financial-adviser-sutherland-shire"
  1135.                
  1136.              >
  1137.                <span class="header-nav-folder-item-content">
  1138.                  Financial Adviser Sutherland Shire
  1139.                </span>
  1140.              </a>
  1141.            </div>
  1142.          
  1143.          
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  1146.            <div class="header-nav-folder-item">
  1147.              <a
  1148.                href="/financial-planner-caringbah"
  1149.                
  1150.              >
  1151.                <span class="header-nav-folder-item-content">
  1152.                  Financial Planner Caringbah
  1153.                </span>
  1154.              </a>
  1155.            </div>
  1156.          
  1157.          
  1158.        
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  1160.            <div class="header-nav-folder-item">
  1161.              <a
  1162.                href="/financial-advisor-sydney"
  1163.                
  1164.              >
  1165.                <span class="header-nav-folder-item-content">
  1166.                  Financial Advisor Sydney
  1167.                </span>
  1168.              </a>
  1169.            </div>
  1170.          
  1171.          
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  1174.            <div class="header-nav-folder-item">
  1175.              <a
  1176.                href="/certified-financial-planner-australia"
  1177.                
  1178.              >
  1179.                <span class="header-nav-folder-item-content">
  1180.                  Certified Financial Planner Australia
  1181.                </span>
  1182.              </a>
  1183.            </div>
  1184.          
  1185.          
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  1188.            <div class="header-nav-folder-item">
  1189.              <a
  1190.                href="/financial-planner-gymea"
  1191.                
  1192.              >
  1193.                <span class="header-nav-folder-item-content">
  1194.                  Financial Planner Gymea
  1195.                </span>
  1196.              </a>
  1197.            </div>
  1198.          
  1199.          
  1200.        
  1201.          
  1202.            <div class="header-nav-folder-item">
  1203.              <a
  1204.                href="/financial-adviser-sylvania"
  1205.                
  1206.              >
  1207.                <span class="header-nav-folder-item-content">
  1208.                  Financial Adviser Sylvania
  1209.                </span>
  1210.              </a>
  1211.            </div>
  1212.          
  1213.          
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  1216.            <div class="header-nav-folder-item">
  1217.              <a
  1218.                href="/financial-planner-engadine"
  1219.                
  1220.              >
  1221.                <span class="header-nav-folder-item-content">
  1222.                  Financial Planner Engadine
  1223.                </span>
  1224.              </a>
  1225.            </div>
  1226.          
  1227.          
  1228.        
  1229.          
  1230.            <div class="header-nav-folder-item">
  1231.              <a
  1232.                href="/financial-adviser-kirrawee"
  1233.                
  1234.              >
  1235.                <span class="header-nav-folder-item-content">
  1236.                  Financial Adviser Kirrawee
  1237.                </span>
  1238.              </a>
  1239.            </div>
  1240.          
  1241.          
  1242.        
  1243.      </div>
  1244.    </div>
  1245.  
  1246.  
  1247.  
  1248.  
  1249.  
  1250.    <div class="header-nav-item header-nav-item--collection">
  1251.      <a
  1252.        href="/frequently-asked-questions"
  1253.        data-animation-role="header-element"
  1254.        
  1255.      >
  1256.        FAQ
  1257.      </a>
  1258.    </div>
  1259.  
  1260.  
  1261.  
  1262.  
  1263.  
  1264.  
  1265.    <div class="header-nav-item header-nav-item--collection">
  1266.      <a
  1267.        href="/wills-estate-planning"
  1268.        data-animation-role="header-element"
  1269.        
  1270.      >
  1271.        Wills Estate Planning
  1272.      </a>
  1273.    </div>
  1274.  
  1275.  
  1276.  
  1277.  
  1278.  
  1279.  
  1280.    <div class="header-nav-item header-nav-item--collection">
  1281.      <a
  1282.        href="/contact-us"
  1283.        data-animation-role="header-element"
  1284.        
  1285.      >
  1286.        Contact-Us
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  1289.  
  1290.  
  1291.  
  1292.  
  1293.  
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  1295.    <div class="header-nav-item header-nav-item--collection">
  1296.      <a
  1297.        href="/blog"
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  1299.        
  1300.      >
  1301.        Blog
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  1303.    </div>
  1304.  
  1305.  
  1306.  
  1307.  
  1308.  
  1309.  
  1310.                    </nav>
  1311.                  </div>
  1312.                </div>
  1313.              
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  1609.                        Transition to retirement
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  1623.                        Inheritance Advice
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  1637.                        Shares and ETF Investing Advice
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  1651.                        Property Investment
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  1660.                    <a
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  1664.                      <div class="header-menu-nav-item-content">
  1665.                        Old age pension
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  1667.                    </a>
  1668.                  </div>
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  1674.                    <a
  1675.                      href="/aged-care-planning-advice"
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  1678.                      <div class="header-menu-nav-item-content">
  1679.                        Aged Care Planning Advice
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  1693.                        First Home Buyers Advice
  1694.                      </div>
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  1707.                        Ethical Investing
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  1721.                        Financial Adviser Sutherland Shire
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  1735.                        Financial Planner Caringbah
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  1749.                        Financial Advisor Sydney
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  1763.                        Certified Financial Planner Australia
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  1777.                        Financial Planner Gymea
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  1786.                    <a
  1787.                      href="/financial-adviser-sylvania"
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  1790.                      <div class="header-menu-nav-item-content">
  1791.                        Financial Adviser Sylvania
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  1805.                        Financial Planner Engadine
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  1814.                    <a
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  1819.                        Financial Adviser Kirrawee
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  1857.                  Wills Estate Planning
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  1886.              <a
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  1913.                      </a>
  1914.                    </div>
  1915.                  
  1916.                    <div class="header-menu-actions-action header-menu-actions-action--social mobile">
  1917.                      <a class="icon icon--lg icon--fill  header-icon header-icon-border-shape-circle header-icon-border-style-outline"  style="box-shadow: 0px 0px 0px 1px inset" href="mailto:James@SouthernAdvisory.com.au" target="_blank" aria-label="James@SouthernAdvisory.com.au">
  1918.                        <svg viewBox="23 23 64 64">
  1919.                          <use xlink:href="#email-icon" width="110" height="110"></use>
  1920.                        </svg>
  1921.                      </a>
  1922.                    </div>
  1923.                  
  1924.                
  1925.              </div>
  1926.            
  1927.            
  1928.            
  1929.          </div>
  1930.        </nav>
  1931.      </div>
  1932.    </div>
  1933.  </header>
  1934.  
  1935.  
  1936.  
  1937.  
  1938.      <main id="page" class="container" role="main">
  1939.        
  1940.          
  1941. <article class="sections" id="sections" data-page-sections="667e09ff3dcae407494cd396">
  1942.  
  1943.  
  1944.    
  1945.    
  1946.  
  1947.  
  1948.  
  1949.  
  1950.  
  1951.  
  1952. <section
  1953.  data-test="page-section"
  1954.  
  1955.  data-section-theme="bright"
  1956.  class='page-section
  1957.    
  1958.      full-bleed-section
  1959.      layout-engine-section
  1960.    
  1961.    background-width--full-bleed
  1962.    
  1963.      
  1964.        section-height--custom
  1965.      
  1966.    
  1967.    
  1968.      content-width--wide
  1969.    
  1970.    horizontal-alignment--center
  1971.    vertical-alignment--middle
  1972.    
  1973.       has-background
  1974.    
  1975.    
  1976.    bright'
  1977.  
  1978.  data-section-id="667e538a249003074f53b8d1"
  1979.  
  1980.  data-controller="SectionWrapperController"
  1981.  data-current-styles="{
  1982. &quot;backgroundImage&quot;: {
  1983. &quot;id&quot;: &quot;667e5a4d155cc8099a10c083&quot;,
  1984. &quot;recordType&quot;: 2,
  1985. &quot;addedOn&quot;: 1719556685385,
  1986. &quot;updatedOn&quot;: 1754033976072,
  1987. &quot;workflowState&quot;: 1,
  1988. &quot;publishOn&quot;: 1719556685385,
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  1992. &quot;systemDataSourceType&quot;: &quot;JPG&quot;,
  1993. &quot;filename&quot;: &quot;HomePage.jpg&quot;,
  1994. &quot;mediaFocalPoint&quot;: {
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  1996. &quot;y&quot;: 0.8080505031564473,
  1997. &quot;source&quot;: 3
  1998. },
  1999. &quot;colorData&quot;: {
  2000. &quot;topLeftAverage&quot;: &quot;4f555a&quot;,
  2001. &quot;topRightAverage&quot;: &quot;54829b&quot;,
  2002. &quot;bottomLeftAverage&quot;: &quot;2a221c&quot;,
  2003. &quot;bottomRightAverage&quot;: &quot;3f3d39&quot;,
  2004. &quot;centerAverage&quot;: &quot;494846&quot;,
  2005. &quot;suggestedBgColor&quot;: &quot;545858&quot;
  2006. },
  2007. &quot;urlId&quot;: &quot;mysjhtvd6l1f70911ih5h9k5gd6ras&quot;,
  2008. &quot;title&quot;: &quot;&quot;,
  2009. &quot;body&quot;: null,
  2010. &quot;likeCount&quot;: 0,
  2011. &quot;commentCount&quot;: 0,
  2012. &quot;publicCommentCount&quot;: 0,
  2013. &quot;commentState&quot;: 2,
  2014. &quot;unsaved&quot;: false,
  2015. &quot;author&quot;: {
  2016. &quot;id&quot;: &quot;65181c3a4523a93ee1d57736&quot;,
  2017. &quot;displayName&quot;: &quot;James hayes&quot;,
  2018. &quot;firstName&quot;: &quot;James&quot;,
  2019. &quot;lastName&quot;: &quot;hayes&quot;,
  2020. &quot;bio&quot;: &quot;&quot;
  2021. },
  2022. &quot;assetUrl&quot;: &quot;https://images.squarespace-cdn.com/content/v1/65181c6825ee500b3bc2d350/b9d83cdc-1c09-41a1-b0c4-7737a0d661a7/HomePage.jpg&quot;,
  2023. &quot;contentType&quot;: &quot;image/jpeg&quot;,
  2024. &quot;items&quot;: [ ],
  2025. &quot;pushedServices&quot;: { },
  2026. &quot;pendingPushedServices&quot;: { },
  2027. &quot;originalSize&quot;: &quot;3000x2000&quot;,
  2028. &quot;recordTypeLabel&quot;: &quot;image&quot;
  2029. },
  2030. &quot;imageOverlayOpacity&quot;: 0.0,
  2031. &quot;backgroundWidth&quot;: &quot;background-width--full-bleed&quot;,
  2032. &quot;sectionHeight&quot;: &quot;section-height--custom&quot;,
  2033. &quot;customSectionHeight&quot;: 0,
  2034. &quot;horizontalAlignment&quot;: &quot;horizontal-alignment--center&quot;,
  2035. &quot;verticalAlignment&quot;: &quot;vertical-alignment--middle&quot;,
  2036. &quot;contentWidth&quot;: &quot;content-width--wide&quot;,
  2037. &quot;customContentWidth&quot;: 50,
  2038. &quot;sectionTheme&quot;: &quot;bright&quot;,
  2039. &quot;sectionAnimation&quot;: &quot;none&quot;,
  2040. &quot;backgroundMode&quot;: &quot;image&quot;,
  2041. &quot;imageEffect&quot;: &quot;none&quot;
  2042. }"
  2043.  data-current-context="{
  2044. &quot;video&quot;: {
  2045. &quot;playbackSpeed&quot;: 0.5,
  2046. &quot;filter&quot;: 1,
  2047. &quot;filterStrength&quot;: 0,
  2048. &quot;zoom&quot;: 0,
  2049. &quot;videoSourceProvider&quot;: &quot;none&quot;
  2050. },
  2051. &quot;backgroundImageId&quot;: null,
  2052. &quot;backgroundMediaEffect&quot;: {
  2053. &quot;type&quot;: &quot;parallax&quot;,
  2054. &quot;rotation&quot;: 90,
  2055. &quot;intensity&quot;: 30
  2056. },
  2057. &quot;divider&quot;: {
  2058. &quot;enabled&quot;: false
  2059. },
  2060. &quot;typeName&quot;: &quot;page&quot;
  2061. }"
  2062.  data-animation="none"
  2063.  data-fluid-engine-section
  2064.  
  2065.  
  2066.  
  2067. >
  2068.  <div
  2069.    class="section-border"
  2070.    
  2071.  >
  2072.    <div class="section-background">
  2073.    
  2074.      
  2075.        
  2076.        
  2077.          
  2078.  
  2079.  
  2080.  
  2081.  
  2082.  
  2083.  <div
  2084.  class="section-background-content"
  2085.  data-controller="BackgroundImageFXParallax"
  2086.  >
  2087.  
  2088.  
  2089.  
  2090.  
  2091. <img alt="" data-image-focal-point="0.8179692718770875,0.8080505031564473" crossOrigin data-src="https://images.squarespace-cdn.com/content/v1/65181c6825ee500b3bc2d350/b9d83cdc-1c09-41a1-b0c4-7737a0d661a7/HomePage.jpg" data-image="https://images.squarespace-cdn.com/content/v1/65181c6825ee500b3bc2d350/b9d83cdc-1c09-41a1-b0c4-7737a0d661a7/HomePage.jpg" data-image-dimensions="3000x2000" data-image-focal-point="0.8179692718770875,0.8080505031564473" alt="HomePage.jpg" data-load="false" elementtiming="nbf-background-image-fx" src="https://images.squarespace-cdn.com/content/v1/65181c6825ee500b3bc2d350/b9d83cdc-1c09-41a1-b0c4-7737a0d661a7/HomePage.jpg" width="3000" height="2000" alt="" sizes="(max-width: 799px) 200vw, 100vw" class="background-image-fx" style="display:block;object-position: 81.79692718770875% 80.80505031564473%" srcset="https://images.squarespace-cdn.com/content/v1/65181c6825ee500b3bc2d350/b9d83cdc-1c09-41a1-b0c4-7737a0d661a7/HomePage.jpg?format=100w 100w, https://images.squarespace-cdn.com/content/v1/65181c6825ee500b3bc2d350/b9d83cdc-1c09-41a1-b0c4-7737a0d661a7/HomePage.jpg?format=300w 300w, https://images.squarespace-cdn.com/content/v1/65181c6825ee500b3bc2d350/b9d83cdc-1c09-41a1-b0c4-7737a0d661a7/HomePage.jpg?format=500w 500w, https://images.squarespace-cdn.com/content/v1/65181c6825ee500b3bc2d350/b9d83cdc-1c09-41a1-b0c4-7737a0d661a7/HomePage.jpg?format=750w 750w, https://images.squarespace-cdn.com/content/v1/65181c6825ee500b3bc2d350/b9d83cdc-1c09-41a1-b0c4-7737a0d661a7/HomePage.jpg?format=1000w 1000w, https://images.squarespace-cdn.com/content/v1/65181c6825ee500b3bc2d350/b9d83cdc-1c09-41a1-b0c4-7737a0d661a7/HomePage.jpg?format=1500w 1500w, https://images.squarespace-cdn.com/content/v1/65181c6825ee500b3bc2d350/b9d83cdc-1c09-41a1-b0c4-7737a0d661a7/HomePage.jpg?format=2500w 2500w" fetchpriority="high" loading="eager" decoding="async" data-loader="sqs">
  2092.  
  2093.  <div class="section-background-canvas background-fx-canvas"></div>
  2094. </div>
  2095.  
  2096.  
  2097.        
  2098.        <div class="section-background-overlay" style="opacity: 0;"></div>
  2099.      
  2100.    
  2101.    </div>
  2102.  </div>
  2103.  <div
  2104.    class='content-wrapper'
  2105.    style='
  2106.      
  2107.        
  2108.          
  2109.          
  2110.          padding-top: calc(0vmax / 10); padding-bottom: calc(0vmax / 10);
  2111.        
  2112.      
  2113.    '
  2114.  >
  2115.    <div
  2116.      class="content"
  2117.      
  2118.    >
  2119.      
  2120.      
  2121.      
  2122.      
  2123.      
  2124.      
  2125.      
  2126.      
  2127.      
  2128.      <div data-fluid-engine="true"><style>
  2129.  
  2130. .fe-667e538a249003074f53b8d0 {
  2131.  --grid-gutter: calc(var(--sqs-mobile-site-gutter, 6vw) - 11.0px);
  2132.  --cell-max-width: calc( ( var(--sqs-site-max-width, 1500px) - (11.0px * (8 - 1)) ) / 8 );
  2133.  
  2134.  display: grid;
  2135.  position: relative;
  2136.  grid-area: 1/1/-1/-1;
  2137.  grid-template-rows: repeat(24,minmax(24px, auto));
  2138.  grid-template-columns:
  2139.    minmax(var(--grid-gutter), 1fr)
  2140.    repeat(8, minmax(0, var(--cell-max-width)))
  2141.    minmax(var(--grid-gutter), 1fr);
  2142.  row-gap: 11.0px;
  2143.  column-gap: 11.0px;
  2144. }
  2145.  
  2146. @media (min-width: 768px) {
  2147.  .background-width--inset .fe-667e538a249003074f53b8d0 {
  2148.    --inset-padding: calc(var(--sqs-site-gutter) * 2);
  2149.  }
  2150.  
  2151.  .fe-667e538a249003074f53b8d0 {
  2152.    --grid-gutter: calc(var(--sqs-site-gutter, 4vw) - 11.0px);
  2153.    --cell-max-width: calc( ( var(--sqs-site-max-width, 1500px) - (11.0px * (24 - 1)) ) / 24 );
  2154.    --inset-padding: 0vw;
  2155.  
  2156.    --row-height-scaling-factor: 0.0215;
  2157.    --container-width: min(var(--sqs-site-max-width, 1500px), calc(100vw - var(--sqs-site-gutter, 4vw) * 2 - var(--inset-padding) ));
  2158.  
  2159.    grid-template-rows: repeat(18,minmax(calc(var(--container-width) * var(--row-height-scaling-factor)), auto));
  2160.    grid-template-columns:
  2161.      minmax(var(--grid-gutter), 1fr)
  2162.      repeat(24, minmax(0, var(--cell-max-width)))
  2163.      minmax(var(--grid-gutter), 1fr);
  2164.  }
  2165. }
  2166.  
  2167.  
  2168.  .fe-block-2d1feca034a489761787 {
  2169.    grid-area: 3/2/8/10;
  2170.    z-index: 1;
  2171.  
  2172.    @media (max-width: 767px) {
  2173.      
  2174.      
  2175.    }
  2176.  }
  2177.  
  2178.  .fe-block-2d1feca034a489761787 .sqs-block {
  2179.    justify-content: flex-start;
  2180.  }
  2181.  
  2182.  .fe-block-2d1feca034a489761787 .sqs-block-alignment-wrapper {
  2183.    align-items: flex-start;
  2184.  }
  2185.  
  2186.  @media (min-width: 768px) {
  2187.    .fe-block-2d1feca034a489761787 {
  2188.      grid-area: 3/2/8/14;
  2189.      z-index: 1;
  2190.  
  2191.      
  2192.  
  2193.      
  2194.    }
  2195.  
  2196.    .fe-block-2d1feca034a489761787 .sqs-block {
  2197.      justify-content: flex-start;
  2198.    }
  2199.  
  2200.    .fe-block-2d1feca034a489761787 .sqs-block-alignment-wrapper {
  2201.      align-items: flex-start;
  2202.    }
  2203.  }
  2204.  
  2205.  .fe-block-3bb786eaa7c9deaf6f97 {
  2206.    grid-area: 2/2/4/10;
  2207.    z-index: 5;
  2208.  
  2209.    @media (max-width: 767px) {
  2210.      
  2211.      
  2212.    }
  2213.  }
  2214.  
  2215.  .fe-block-3bb786eaa7c9deaf6f97 .sqs-block {
  2216.    justify-content: flex-start;
  2217.  }
  2218.  
  2219.  .fe-block-3bb786eaa7c9deaf6f97 .sqs-block-alignment-wrapper {
  2220.    align-items: flex-start;
  2221.  }
  2222.  
  2223.  @media (min-width: 768px) {
  2224.    .fe-block-3bb786eaa7c9deaf6f97 {
  2225.      grid-area: 2/2/4/10;
  2226.      z-index: 5;
  2227.  
  2228.      
  2229.  
  2230.      
  2231.    }
  2232.  
  2233.    .fe-block-3bb786eaa7c9deaf6f97 .sqs-block {
  2234.      justify-content: flex-start;
  2235.    }
  2236.  
  2237.    .fe-block-3bb786eaa7c9deaf6f97 .sqs-block-alignment-wrapper {
  2238.      align-items: flex-start;
  2239.    }
  2240.  }
  2241.  
  2242.  .fe-block-5f7fb1f3573bdf6129e4 {
  2243.    grid-area: 8/2/14/10;
  2244.    z-index: 4;
  2245.  
  2246.    @media (max-width: 767px) {
  2247.      
  2248.      
  2249.    }
  2250.  }
  2251.  
  2252.  .fe-block-5f7fb1f3573bdf6129e4 .sqs-block {
  2253.    justify-content: flex-start;
  2254.  }
  2255.  
  2256.  .fe-block-5f7fb1f3573bdf6129e4 .sqs-block-alignment-wrapper {
  2257.    align-items: flex-start;
  2258.  }
  2259.  
  2260.  @media (min-width: 768px) {
  2261.    .fe-block-5f7fb1f3573bdf6129e4 {
  2262.      grid-area: 8/2/13/11;
  2263.      z-index: 4;
  2264.  
  2265.      
  2266.  
  2267.      
  2268.    }
  2269.  
  2270.    .fe-block-5f7fb1f3573bdf6129e4 .sqs-block {
  2271.      justify-content: flex-start;
  2272.    }
  2273.  
  2274.    .fe-block-5f7fb1f3573bdf6129e4 .sqs-block-alignment-wrapper {
  2275.      align-items: flex-start;
  2276.    }
  2277.  }
  2278.  
  2279.  .fe-block-bd2d632caf7b853664e3 {
  2280.    grid-area: 15/2/18/7;
  2281.    z-index: 3;
  2282.  
  2283.    @media (max-width: 767px) {
  2284.      
  2285.      
  2286.    }
  2287.  }
  2288.  
  2289.  .fe-block-bd2d632caf7b853664e3 .sqs-block {
  2290.    justify-content: center;
  2291.  }
  2292.  
  2293.  .fe-block-bd2d632caf7b853664e3 .sqs-block-alignment-wrapper {
  2294.    align-items: center;
  2295.  }
  2296.  
  2297.  @media (min-width: 768px) {
  2298.    .fe-block-bd2d632caf7b853664e3 {
  2299.      grid-area: 12/2/16/9;
  2300.      z-index: 3;
  2301.  
  2302.      
  2303.  
  2304.      
  2305.    }
  2306.  
  2307.    .fe-block-bd2d632caf7b853664e3 .sqs-block {
  2308.      justify-content: center;
  2309.    }
  2310.  
  2311.    .fe-block-bd2d632caf7b853664e3 .sqs-block-alignment-wrapper {
  2312.      align-items: center;
  2313.    }
  2314.  }
  2315.  
  2316.  .fe-block-yui_3_17_2_1_1719554065631_15978 {
  2317.    grid-area: 18/2/24/10;
  2318.    z-index: 6;
  2319.  
  2320.    @media (max-width: 767px) {
  2321.      
  2322.        
  2323.      
  2324.      
  2325.    }
  2326.  }
  2327.  
  2328.  .fe-block-yui_3_17_2_1_1719554065631_15978 .sqs-block {
  2329.    justify-content: center;
  2330.  }
  2331.  
  2332.  .fe-block-yui_3_17_2_1_1719554065631_15978 .sqs-block-alignment-wrapper {
  2333.    align-items: center;
  2334.  }
  2335.  
  2336.  @media (min-width: 768px) {
  2337.    .fe-block-yui_3_17_2_1_1719554065631_15978 {
  2338.      grid-area: 16/2/19/7;
  2339.      z-index: 6;
  2340.  
  2341.      
  2342.        
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  2344.  
  2345.      
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  2347.  
  2348.    .fe-block-yui_3_17_2_1_1719554065631_15978 .sqs-block {
  2349.      justify-content: center;
  2350.    }
  2351.  
  2352.    .fe-block-yui_3_17_2_1_1719554065631_15978 .sqs-block-alignment-wrapper {
  2353.      align-items: center;
  2354.    }
  2355.  }
  2356.  
  2357. </style><div class="fluid-engine fe-667e538a249003074f53b8d0"><div class="fe-block fe-block-2d1feca034a489761787"><div class="sqs-block html-block sqs-block-html" data-blend-mode="NORMAL" data-block-type="2" data-border-radii="&#123;&quot;topLeft&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;topRight&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;bottomLeft&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;bottomRight&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;&#125;" data-sqsp-block="text" id="block-2d1feca034a489761787"><div class="sqs-block-content">
  2358.  
  2359. <div class="sqs-html-content" data-sqsp-text-block-content>
  2360.  <h1 style="white-space:pre-wrap;">Superannuation &amp; Retirement Advice</h1>
  2361. </div>
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  2388.  
  2389. <div class="sqs-html-content" data-sqsp-text-block-content>
  2390.  <p class="" style="white-space:pre-wrap;"><span class="sqsrte-text-color--white"><strong>Expert, Understandable and Affordable</strong></span></p>
  2391. </div>
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  2417. </div></div></div><div class="fe-block fe-block-5f7fb1f3573bdf6129e4"><div class="sqs-block html-block sqs-block-html" data-blend-mode="NORMAL" data-block-type="2" data-border-radii="&#123;&quot;topLeft&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;topRight&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;bottomLeft&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;bottomRight&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;&#125;" data-sqsp-block="text" id="block-5f7fb1f3573bdf6129e4"><div class="sqs-block-content">
  2418.  
  2419. <div class="sqs-html-content" data-sqsp-text-block-content>
  2420.  <p class="sqsrte-large" style="white-space:pre-wrap;">Cronulla, Caringbah &amp; Sydney Wide Sydney based financial planner providing expert and affordable <a href="/financial-adviser-sutherland-shire">financial adviser Sutherland shire</a> and beyond.</p><p class="" style="white-space:pre-wrap;"><a href="tel:0295246711" target="_blank">(02) 9524 6711</a></p>
  2421. </div>
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  2446.  
  2447. </div></div></div><div class="fe-block fe-block-bd2d632caf7b853664e3"><div class="sqs-block button-block sqs-block-button" data-block-type="53" data-sqsp-block="button" id="block-bd2d632caf7b853664e3"><div class="sqs-block-content">
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  2450.  class="sqs-block-button-container sqs-block-button-container--left"
  2451.  data-animation-role="button"
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  2453.  data-button-size="medium"
  2454.  data-button-type="primary"
  2455. >
  2456.  <a
  2457.    href="https://calendly.com/jameshayesfp/james-hayes-fp-intro-chat"
  2458.    class="sqs-block-button-element--medium sqs-button-element--primary sqs-block-button-element"
  2459.    data-sqsp-button
  2460.    target="_blank"
  2461.  >
  2462.    Book in an obligation free phone call
  2463.  </a>
  2464. </div>
  2465. </div></div></div><div class="fe-block fe-block-yui_3_17_2_1_1719554065631_15978"><div class="sqs-block image-block sqs-block-image sqs-stretched" data-block-type="5" data-sqsp-block="image" id="block-yui_3_17_2_1_1719554065631_15978"><div class="sqs-block-content">
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  2863.  
  2864. <div class="sqs-html-content" data-sqsp-text-block-content>
  2865.  <h2 style="white-space:pre-wrap;"><strong>James Hayes - Your Superannuation and Retirement Planning Expert</strong></h2>
  2866. </div>
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  3025. </div></div></div><div class="fe-block fe-block-c8f374e9cea1a1f7ef3b"><div class="sqs-block html-block sqs-block-html" data-blend-mode="NORMAL" data-block-type="2" data-border-radii="&#123;&quot;topLeft&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;topRight&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;bottomLeft&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;bottomRight&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;&#125;" data-sqsp-block="text" id="block-c8f374e9cea1a1f7ef3b"><div class="sqs-block-content">
  3026.  
  3027. <div class="sqs-html-content" data-sqsp-text-block-content>
  3028.  <h3 style="white-space:pre-wrap;"><span class="sqsrte-text-color--accent">My Approach</span></h3><p class="" style="white-space:pre-wrap;"><span class="sqsrte-text-color--accent">Retirement planning can be a bit overwhelming, but it doesn't have to be. I take a personalised approach to every client's unique situation. Together, we'll craft a tailored retirement plan that aligns with your retirement goals, whether it's ensuring financial security, optimising your superannuation advice, or simply enjoying your golden years.</span></p><p class="" style="white-space:pre-wrap;">As a <a href="/financial-adviser-sutherland-shire">Financial Planner Sutherland Shire</a> based in Caringbah, Sydney, and a trusted <a href="/financial-advisor-sydney">Financial Advisor Sydney</a> wide, I'm also available to meet at our CBD offices or can come to you on request.</p><h3 style="white-space:pre-wrap;"><span class="sqsrte-text-color--accent">Why Choose Me</span></h3><p class="" style="white-space:pre-wrap;"><span class="sqsrte-text-color--accent">I'm here to simplify the retirement planning process and make it as stress-free as possible. I offer attentive guidance, clear communication, and expert advice, all designed to help you reach your retirement goals.</span></p><h3 style="white-space:pre-wrap;"><span class="sqsrte-text-color--accent">Let's Get Started</span></h3><p class="" style="white-space:pre-wrap;"><span class="sqsrte-text-color--accent">Ready to secure your retirement and optimise your superannuation? </span><a href="/contact-us"><span class="sqsrte-text-color--accent">Contact me today</span></a><span class="sqsrte-text-color--accent"> for a free consultation, and let's start your journey towards a secure and prosperous retirement. With over 15 years of experience in the financial industry, I bring a wealth of knowledge to guide you through the complexities of </span><a href="/superannuation-advice-australia" target=""><span class="sqsrte-text-color--accent">superannuation advice Australia</span></a><span class="sqsrte-text-color--accent"> and transition to retirement. </span></p><p class="" style="white-space:pre-wrap;"><span class="sqsrte-text-color--accent">I am fully qualified and licensed by ASIC; I work under a fiduciary obligation, which means I have a legal obligation to act in the best interests of my clients. All this means you can count on me for expert advice tailored to your retirement aspirations.</span></p>
  3029. </div>
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  3294.    .fe-block-90a8bef0004c3deba3fd .sqs-block-alignment-wrapper {
  3295.      align-items: flex-start;
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  3298.  
  3299.  .fe-block-9197d4dfbb68854b4e6a {
  3300.    grid-area: 14/2/15/10;
  3301.    z-index: 2;
  3302.  
  3303.    @media (max-width: 767px) {
  3304.      
  3305.      
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  3307.  }
  3308.  
  3309.  .fe-block-9197d4dfbb68854b4e6a .sqs-block {
  3310.    justify-content: flex-start;
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  3312.  
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  3314.    align-items: flex-start;
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  3316.  
  3317.  @media (min-width: 768px) {
  3318.    .fe-block-9197d4dfbb68854b4e6a {
  3319.      grid-area: 1/13/2/18;
  3320.      z-index: 2;
  3321.  
  3322.      
  3323.  
  3324.      
  3325.    }
  3326.  
  3327.    .fe-block-9197d4dfbb68854b4e6a .sqs-block {
  3328.      justify-content: flex-start;
  3329.    }
  3330.  
  3331.    .fe-block-9197d4dfbb68854b4e6a .sqs-block-alignment-wrapper {
  3332.      align-items: flex-start;
  3333.    }
  3334.  }
  3335.  
  3336.  .fe-block-yui_3_17_2_1_1733998461377_7500 {
  3337.    grid-area: 15/2/17/10;
  3338.    z-index: 5;
  3339.  
  3340.    @media (max-width: 767px) {
  3341.      
  3342.        
  3343.      
  3344.      
  3345.    }
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  3347.  
  3348.  .fe-block-yui_3_17_2_1_1733998461377_7500 .sqs-block {
  3349.    justify-content: flex-start;
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  3351.  
  3352.  .fe-block-yui_3_17_2_1_1733998461377_7500 .sqs-block-alignment-wrapper {
  3353.    align-items: flex-start;
  3354.  }
  3355.  
  3356.  @media (min-width: 768px) {
  3357.    .fe-block-yui_3_17_2_1_1733998461377_7500 {
  3358.      grid-area: 2/13/4/18;
  3359.      z-index: 5;
  3360.  
  3361.      
  3362.        
  3363.      
  3364.  
  3365.      
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  3372.    .fe-block-yui_3_17_2_1_1733998461377_7500 .sqs-block-alignment-wrapper {
  3373.      align-items: flex-start;
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  3377.  .fe-block-f8b17f88c232636a91be {
  3378.    grid-area: 16/2/18/10;
  3379.    z-index: 6;
  3380.  
  3381.    @media (max-width: 767px) {
  3382.      
  3383.        
  3384.      
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  3390.    justify-content: flex-start;
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  3392.  
  3393.  .fe-block-f8b17f88c232636a91be .sqs-block-alignment-wrapper {
  3394.    align-items: flex-start;
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  3396.  
  3397.  @media (min-width: 768px) {
  3398.    .fe-block-f8b17f88c232636a91be {
  3399.      grid-area: 3/13/5/18;
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  3401.  
  3402.      
  3403.        
  3404.      
  3405.  
  3406.      
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  3408.  
  3409.    .fe-block-f8b17f88c232636a91be .sqs-block {
  3410.      justify-content: flex-start;
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  3412.  
  3413.    .fe-block-f8b17f88c232636a91be .sqs-block-alignment-wrapper {
  3414.      align-items: flex-start;
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  3418.  .fe-block-9bb822ba258d99a868ed {
  3419.    grid-area: 17/2/19/10;
  3420.    z-index: 7;
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  3422.    @media (max-width: 767px) {
  3423.      
  3424.        
  3425.      
  3426.      
  3427.    }
  3428.  }
  3429.  
  3430.  .fe-block-9bb822ba258d99a868ed .sqs-block {
  3431.    justify-content: flex-start;
  3432.  }
  3433.  
  3434.  .fe-block-9bb822ba258d99a868ed .sqs-block-alignment-wrapper {
  3435.    align-items: flex-start;
  3436.  }
  3437.  
  3438.  @media (min-width: 768px) {
  3439.    .fe-block-9bb822ba258d99a868ed {
  3440.      grid-area: 4/13/6/18;
  3441.      z-index: 7;
  3442.  
  3443.      
  3444.        
  3445.      
  3446.  
  3447.      
  3448.    }
  3449.  
  3450.    .fe-block-9bb822ba258d99a868ed .sqs-block {
  3451.      justify-content: flex-start;
  3452.    }
  3453.  
  3454.    .fe-block-9bb822ba258d99a868ed .sqs-block-alignment-wrapper {
  3455.      align-items: flex-start;
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  3457.  }
  3458.  
  3459.  .fe-block-1993f52977a546b9cc20 {
  3460.    grid-area: 18/2/20/10;
  3461.    z-index: 8;
  3462.  
  3463.    @media (max-width: 767px) {
  3464.      
  3465.        
  3466.      
  3467.      
  3468.    }
  3469.  }
  3470.  
  3471.  .fe-block-1993f52977a546b9cc20 .sqs-block {
  3472.    justify-content: flex-start;
  3473.  }
  3474.  
  3475.  .fe-block-1993f52977a546b9cc20 .sqs-block-alignment-wrapper {
  3476.    align-items: flex-start;
  3477.  }
  3478.  
  3479.  @media (min-width: 768px) {
  3480.    .fe-block-1993f52977a546b9cc20 {
  3481.      grid-area: 5/13/7/18;
  3482.      z-index: 8;
  3483.  
  3484.      
  3485.        
  3486.      
  3487.  
  3488.      
  3489.    }
  3490.  
  3491.    .fe-block-1993f52977a546b9cc20 .sqs-block {
  3492.      justify-content: flex-start;
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  3494.  
  3495.    .fe-block-1993f52977a546b9cc20 .sqs-block-alignment-wrapper {
  3496.      align-items: flex-start;
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  3499.  
  3500.  .fe-block-yui_3_17_2_1_1697256733730_9819 {
  3501.    grid-area: 20/2/28/10;
  3502.    z-index: 4;
  3503.  
  3504.    @media (max-width: 767px) {
  3505.      
  3506.      
  3507.    }
  3508.  }
  3509.  
  3510.  .fe-block-yui_3_17_2_1_1697256733730_9819 .sqs-block {
  3511.    justify-content: flex-start;
  3512.  }
  3513.  
  3514.  .fe-block-yui_3_17_2_1_1697256733730_9819 .sqs-block-alignment-wrapper {
  3515.    align-items: flex-start;
  3516.  }
  3517.  
  3518.  @media (min-width: 768px) {
  3519.    .fe-block-yui_3_17_2_1_1697256733730_9819 {
  3520.      grid-area: 1/19/9/26;
  3521.      z-index: 4;
  3522.  
  3523.      
  3524.  
  3525.      
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  3527.  
  3528.    .fe-block-yui_3_17_2_1_1697256733730_9819 .sqs-block {
  3529.      justify-content: flex-start;
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  3531.  
  3532.    .fe-block-yui_3_17_2_1_1697256733730_9819 .sqs-block-alignment-wrapper {
  3533.      align-items: flex-start;
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  3536.  
  3537.  .fe-block-000360db66446e0cceb6 {
  3538.    grid-area: 19/2/21/10;
  3539.    z-index: 9;
  3540.  
  3541.    @media (max-width: 767px) {
  3542.      
  3543.        
  3544.      
  3545.      
  3546.    }
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  3548.  
  3549.  .fe-block-000360db66446e0cceb6 .sqs-block {
  3550.    justify-content: flex-start;
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  3552.  
  3553.  .fe-block-000360db66446e0cceb6 .sqs-block-alignment-wrapper {
  3554.    align-items: flex-start;
  3555.  }
  3556.  
  3557.  @media (min-width: 768px) {
  3558.    .fe-block-000360db66446e0cceb6 {
  3559.      grid-area: 6/13/8/18;
  3560.      z-index: 9;
  3561.  
  3562.      
  3563.        
  3564.      
  3565.  
  3566.      
  3567.    }
  3568.  
  3569.    .fe-block-000360db66446e0cceb6 .sqs-block {
  3570.      justify-content: flex-start;
  3571.    }
  3572.  
  3573.    .fe-block-000360db66446e0cceb6 .sqs-block-alignment-wrapper {
  3574.      align-items: flex-start;
  3575.    }
  3576.  }
  3577.  
  3578. </style><div class="fluid-engine fe-6518e6f28cb7780c56a828d9"><div class="fe-block fe-block-0373504999e5f023e720"><div class="sqs-block html-block sqs-block-html" data-blend-mode="NORMAL" data-block-type="2" data-border-radii="&#123;&quot;topLeft&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;topRight&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;bottomLeft&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;bottomRight&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;&#125;" data-sqsp-block="text" id="block-0373504999e5f023e720"><div class="sqs-block-content">
  3579.  
  3580. <div class="sqs-html-content" data-sqsp-text-block-content>
  3581.  <h4 style="white-space:pre-wrap;">James Hayes</h4><p class="sqsrte-small" style="white-space:pre-wrap;">james@southernadvisory.com.au</p><p class="sqsrte-small" style="white-space:pre-wrap;"><strong>M:</strong> 0410 410 469</p><p class="sqsrte-small" style="white-space:pre-wrap;"><strong>PH:</strong> (02) 9524 6711</p>
  3582. </div>
  3583.  
  3584.  
  3585.  
  3586.  
  3587.  
  3588.  
  3589.  
  3590.  
  3591.  
  3592.  
  3593.  
  3594.  
  3595.  
  3596.  
  3597.  
  3598.  
  3599.  
  3600.  
  3601.  
  3602.  
  3603.  
  3604.  
  3605.  
  3606.  
  3607.  
  3608. </div></div></div><div class="fe-block fe-block-90a8bef0004c3deba3fd"><div class="sqs-block html-block sqs-block-html" data-blend-mode="NORMAL" data-block-type="2" data-border-radii="&#123;&quot;topLeft&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;topRight&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;bottomLeft&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;bottomRight&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;&#125;" data-sqsp-block="text" id="block-90a8bef0004c3deba3fd"><div class="sqs-block-content">
  3609.  
  3610. <div class="sqs-html-content" data-sqsp-text-block-content>
  3611.  <h4 style="white-space:pre-wrap;">Opening Hours</h4><p class="sqsrte-small" style="white-space:pre-wrap;">Monday – Friday <br>9am – 6pm</p><p class="sqsrte-small" style="white-space:pre-wrap;">Out of office by appointment </p><p class="sqsrte-small" style="white-space:pre-wrap;">Level 1, 304-318 Kingsway, Caringbah NSW 2229</p>
  3612. </div>
  3613.  
  3614.  
  3615.  
  3616.  
  3617.  
  3618.  
  3619.  
  3620.  
  3621.  
  3622.  
  3623.  
  3624.  
  3625.  
  3626.  
  3627.  
  3628.  
  3629.  
  3630.  
  3631.  
  3632.  
  3633.  
  3634.  
  3635.  
  3636.  
  3637.  
  3638. </div></div></div><div class="fe-block fe-block-9197d4dfbb68854b4e6a"><div class="sqs-block html-block sqs-block-html" data-blend-mode="NORMAL" data-block-type="2" data-border-radii="&#123;&quot;topLeft&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;topRight&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;bottomLeft&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;,&quot;bottomRight&quot;:&#123;&quot;unit&quot;:&quot;px&quot;,&quot;value&quot;:0.0&#125;&#125;" data-sqsp-block="text" id="block-9197d4dfbb68854b4e6a"><div class="sqs-block-content">
  3639.  
  3640. <div class="sqs-html-content" data-sqsp-text-block-content>
  3641.  <h4 style="white-space:pre-wrap;">Our Services</h4>
  3642. </div>
  3643.  
  3644.  
  3645.  
  3646.  
  3647.  
  3648.  
  3649.  
  3650.  
  3651.  
  3652.  
  3653.  
  3654.  
  3655.  
  3656.  
  3657.  
  3658.  
  3659.  
  3660.  
  3661.  
  3662.  
  3663.  
  3664.  
  3665.  
  3666.  
  3667.  
  3668. </div></div></div><div class="fe-block fe-block-yui_3_17_2_1_1733998461377_7500"><div class="sqs-block collectionlink-block sqs-block-collectionlink" data-block-type="12" id="block-yui_3_17_2_1_1733998461377_7500"><div class="sqs-block-content"></div></div></div><div class="fe-block fe-block-f8b17f88c232636a91be"><div class="sqs-block collectionlink-block sqs-block-collectionlink" data-block-type="12" id="block-f8b17f88c232636a91be"><div class="sqs-block-content">
  3669.  
  3670.  
  3671.  
  3672.  
  3673.  
  3674.  <div class="collectionlink-content">
  3675.    <div class="collectionlink-title">
  3676.      <a href="/transition-to-retirement-ttr">Transition to retirement</a>
  3677.    </div>
  3678.    
  3679.      
  3680.    
  3681.  </div>
  3682.  
  3683. </div></div></div><div class="fe-block fe-block-9bb822ba258d99a868ed"><div class="sqs-block collectionlink-block sqs-block-collectionlink" data-block-type="12" id="block-9bb822ba258d99a868ed"><div class="sqs-block-content">
  3684.  
  3685.  
  3686.  
  3687.  
  3688.  
  3689.  <div class="collectionlink-content">
  3690.    <div class="collectionlink-title">
  3691.      <a href="/superannuation-advice-australia">Superannuation Advice</a>
  3692.    </div>
  3693.    
  3694.      
  3695.    
  3696.  </div>
  3697.  
  3698. </div></div></div><div class="fe-block fe-block-1993f52977a546b9cc20"><div class="sqs-block collectionlink-block sqs-block-collectionlink" data-block-type="12" id="block-1993f52977a546b9cc20"><div class="sqs-block-content">
  3699.  
  3700.  
  3701.  
  3702.  
  3703.  
  3704.  <div class="collectionlink-content">
  3705.    <div class="collectionlink-title">
  3706.      <a href="/financial-planner-caringbah">Financial Planner Caringbah</a>
  3707.    </div>
  3708.    
  3709.      
  3710.    
  3711.  </div>
  3712.  
  3713. </div></div></div><div class="fe-block fe-block-yui_3_17_2_1_1697256733730_9819"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-map map-block sized vsize-12" data-block-css="[]" data-block-scripts="[&quot;https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.map/2f9fee75-b2af-4d63-a7fa-a264e1070edf_171/website.components.map.visitor.js&quot;]" data-block-type="1337" data-definition-name="website.components.map" id="block-yui_3_17_2_1_1697256733730_9819"><div class="sqs-block-content"><div data-context="{&quot;blockId&quot;:&quot;yui_3_17_2_1_1697256733730_9819&quot;,&quot;location&quot;:{&quot;mapLat&quot;:-34.0427372,&quot;mapLng&quot;:151.1224809,&quot;mapZoom&quot;:12,&quot;addressTitle&quot;:&quot;James Hayes Financial Planner &quot;,&quot;addressLine1&quot;:&quot;Level 1, 304-318 Kingsway, Caringbah NSW 2229&quot;,&quot;addressLine2&quot;:&quot;Carringbar&quot;,&quot;addressCountry&quot;:&quot;Australia&quot;,&quot;markerLat&quot;:-34.0427372,&quot;markerLng&quot;:151.1224809},&quot;vSize&quot;:12,&quot;style&quot;:6,&quot;labels&quot;:true,&quot;terrain&quot;:false,&quot;controls&quot;:false,&quot;containerStyles&quot;:{&quot;backgroundEnabled&quot;:false,&quot;stretchedToFill&quot;:false},&quot;gmak&quot;:&quot;QUl6YVN5Q0JUUk9xNkx1dkZfSUUxcjQ2LVQ0QWVUU1YtMGQ3bXk4&quot;,&quot;language&quot;:&quot;en&quot;,&quot;region&quot;:&quot;AU&quot;,&quot;errors&quot;:[],&quot;featureFlags&quot;:{&quot;useCLDRMoneyFormat&quot;:true}}" style="height: 100%; width: 100%">
  3714.  &nbsp;
  3715. </div>
  3716. </div></div></div><div class="fe-block fe-block-000360db66446e0cceb6"><div class="sqs-block collectionlink-block sqs-block-collectionlink" data-block-type="12" id="block-000360db66446e0cceb6"><div class="sqs-block-content">
  3717.  
  3718.  
  3719.  
  3720.  
  3721.  
  3722.  <div class="collectionlink-content">
  3723.    <div class="collectionlink-title">
  3724.      <a href="/wills-estate-planning">Wills Estate Planning</a>
  3725.    </div>
  3726.    
  3727.      
  3728.    
  3729.  </div>
  3730.  
  3731. </div></div></div></div></div>
  3732.    </div>
  3733.  
  3734.  </div>
  3735.  
  3736. </section>
  3737.  
  3738.  
  3739. </footer>
  3740.  
  3741.      
  3742.    </div>
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