# Coastal Capital Advice

> Coastal Capital Advice is an independent financial planning practice based in Wollongong, NSW, serving professionals, business owners, and retirees across the Illawarra and nationally. Principal adviser Michael Fennell holds a Master of Financial Planning and has approximately 15 years of experience.

Coastal Capital Advice Pty Ltd is a Corporate Authorised Representative of Personal Financial Services Limited (ABN 26 098 725 145, AFSL 234459).

## Services

- Clarity on What Matters — goal-setting and financial direction without jargon
- Strategic Investing — portfolio construction aligned to goals, risk tolerance, and timeline
- Superannuation and Retirement Strategies — contribution optimisation, investment choices, SMSF setup and management
- Personal Insurance Advice — income protection, life insurance, TPD, trauma cover; tailored and tax-effective
- Tax Strategy & Optimisation — legal strategies to reduce tax burden and optimise structures
- Planning for Retirement — wealth maximisation and sustainable retirement lifestyle planning
- Generating Income in Retirement — asset structuring, pension optimisation, Centrelink navigation
- Managing Your Money Intentionally — aligning finances with lifestyle goals and values

## Key pages

- [Home](https://www.coastalcapitaladvice.com.au/)
- [Services](https://www.coastalcapitaladvice.com.au/services)
- [About](https://www.coastalcapitaladvice.com.au/about)
- [FAQ](https://www.coastalcapitaladvice.com.au/faq)
- [Success Stories](https://www.coastalcapitaladvice.com.au/success-stories)
- [Blog](https://www.coastalcapitaladvice.com.au/blog)
- [Contact](https://www.coastalcapitaladvice.com.au/contact)

## Contact

- Phone: 1300 420 236
- Email: info@coastalcapitaladvice.com.au
- Postal: PO Box 4051, Towradgi NSW 2518
- Location: Wollongong, Illawarra, NSW — services available Australia-wide

## Optional

- [Sitemap](https://www.coastalcapitaladvice.com.au/sitemap.xml)