Tony Sandercock CFP®

Founder & Financial Planner, wetalkmoney

After nearly four decades of working with, observing, and learning from hundreds of clients in their pursuit of a fulfilling life after full-time work, Tony Sandercock emphasises that people who focus on getting the simple things right not only manage their finances better but also tend to live more fulfilling lives. Tony is the owner of Sunshine Coast-based advice firm, wetalkmoney. He has built a 37-year career around a client-first ethos, believing that when it comes to financial advice, trust is a far more valuable commodity than past performance, company affiliation, or even experience and qualifications. Tony has mentored hundreds of business owners in building client-first firms. He has been a CERTIFIED FINANCIAL PLANNER® since 1998, holds a Master's Degree in Personal Financial Planning, and was named the FAAA’s CFP Professional of the Year in 2016. In his personal time, Tony is a very keen cycle tourist and believes the humble bicycle could be the best invention ever, offering enormous health and wealth benefits.

Articles by Tony Sandercock CFP®

Tony Sandercock CFP®

Simple steps for choosing a great financial adviser

Choosing the right person to look after your financial future and life goals is a big decision. Many people don’t know where to start in finding financial guidance they can trust. While it’s important for everyone to be on top of their finances, trying to figure everything out on your own can sometimes lead to the wrong outcomes and significant frustration.

Amanda Ragkousis

The great wealth transfer – 7 tips for giving and receiving an inheritance

We’re about to witness the biggest transfer of wealth in Australia’s history. Over the next couple of decades, more than $3.5 trillion is expected to change hands between generations. Whether you’re preparing to pass on your wealth or set to receive an inheritance, the same questions come up...

Jennifer Brookhouse CFP®

SMSFs – getting to know the fundamentals before you commit

Superannuation could be one of your most valuable assets after your family home, so it’s important to take an interest in how your super savings are managed to help achieve the retirement lifestyle that you desire.

Daniel Thompson

Financial planning essentials for young families

Joel Carty CFP®

Build wealth or pay the mortgage – what are your options?

For many Australians, deciding whether to focus on building wealth or paying off the mortgage is a major financial crossroads. With uncertainty around interest rates, inflationary pressures, and a mixed economic outlook, the question has become even more relevant in 2025. Should you channel extra funds into your home loan, or invest t elsewhere to build your financial future?

Esther Althaus CFP®

Relying on an inheritance for financial security

Inheritance is often viewed as a future safety net for beneficiaries – funds or assets that may arrive in time to ease the financial burden of retirement, assist with housing, or support family goals. For many Australians, especially in major cities where living costs are high, the expectation of receiving an inheritance forms part of their long-term planning. While it can provide a welcome boost, relying on it too heavily brings significant risks.

John Cachia

How families on $150-$200k can turn good income into long-term security

While people believe financial advice is only for high-income earners or those already wealthy the reality is, households earning $150K to $200K often benefit the most from getting advice early — when small decisions have the biggest long-term impact.

Julia Newbould

Making the most of a salary increase

It’s exciting to get a pay rise and when you’ve earned it you often feel like it’s a deserved reward to treat yourself with but used in the right way it can also help you build towards a more financially fulfilling future.

Paul Peng Yang CFP®

Why it’s important to set an investment philosophy before investing

Investing is a journey fraught with uncertainty, emotional ups and downs, and the allure of quick wins. Many investors, however, fail to achieve their financial goals because they lack a guiding framework. An investment philosophy serves as a compass, ensuring that decisions are aligned with well-defined principles rather than impulsive reactions to market noise.

Joel Carty CFP®

Tax-effective investing: strategies to grow your wealth while minimising tax

Investing isn’t just about growing wealth - it’s about doing so efficiently. In Australia, taxation plays a critical role in shaping investment returns, but with the right approach, investors can legally minimise tax and maximise gains.

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