Castle Hill’s specialists in Estate Planning

From Norwest to Castle Hill and the wider Hills Shire, families turn to us for financial estate planning that joins the dots between money, law and family dynamics. We’re routinely chosen by homeowners seeking retirement and estate planning that clarifies “who gets what, when, and how”—without unnecessary tax, administrative burden or conflict.

  • Coordinate will, Enduring Power of Attorney (EPOA) and Enduring Guardianship with a solicitor.
  • Align binding death benefit nominations and reversionary pensions inside super (or SMSF where relevant).
  • Structure life/TPD/income protection ownership and beneficiaries for efficient outcomes.
  • Integrate estate planning wealth management with your broader retirement and risk strategy.

Why Choose Roccaforte for Estate Planning Financial Advice

  1. Local and accessible

    Castle Hill NSW 2154 focus, with flexible meetings across the Hills District (Baulkham Hills, Kellyville, Bella Vista, Cherrybrook). If you typed estate management near me, you want nearby advisers who understand local property values, school-age children logistics, and real-world time constraints.

  2. Plain-English deliverables

    You receive a concise strategy paper with a one-page flow diagram of asset transfers, tax touchpoints and decision-makers, prepared by an estate planning advisor who coordinates with your legal practitioner.

  3. Tax-aware and Centrelink-aware

    Structures consider super taxation, capital gains, and—where relevant—later-life impacts on Services Australia/aged-care means testing.

  4. Liaison with your professional circle

    We work alongside your solicitor and accountant to ensure deeds, nominations and beneficiary directions agree. No contradictions, no gaps.

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Our process

As your estate planning financial advisor in Castle Hill, we follow a clear, step-by-step process that aligns your finances, superannuation and legal documents—so your wishes are protected now and honoured later.

  1. 15-minute consult (complimentary)

    A quick call to confirm objectives, family structure and urgency. Ideal for new parents, new mortgages or after receiving an inheritance.

  2. Discovery & document check

    We review super funds/SMSF, insurance policies, company/trust control, home ownership, loans, and any existing will/EPOA.

  3. Strategy design

    We map assets and beneficiaries, consider insurance ownership, choose between binding nominations vs reversionary pensions, and test outcomes for death, incapacity and disability scenarios.

  4. Legal coordination

    We brief your chosen solicitor so your will, EPOA and Guardianship documents match the financial strategy (we do not provide legal documents ourselves).

  5. Implementation

    Complete nominations, adjust insurance beneficiaries/ownership, update account titling, and record adviser notes for your file and family.

  6. Review cadence

    Annual or bi-annual reviews; trigger reviews on birth, separation, property purchase/sale, starting a business, or retirement transition.

Who we help

  • Families in the Hills seeking estate planning advice that’s practical and locally grounded.
  • Blended families Balance providing for a spouse with protecting children from a prior relationship (e.g., life-interest/right-to-reside clauses coordinated with nominations and insurance).
  • Business owners / SMSF trustees Buy-sell funding, control of corporate trustees, deed alignment, and consistent beneficiary directions across structures.
  • Pre-retirees & retirees (55–75) Reversionary pensions, binding nominations, equalisation among adult children, aged-care funding implications and retirement and estate planning integration.
  • Disability and vulnerability planning Special Disability Trusts, trustee/guardian selection, and cash-flow frameworks that safeguard vulnerable beneficiaries.
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Hear from our clients

Frequently Asked Questions

Is super covered by my will?

Not by default. Super is typically paid under trustee discretion or as directed by your binding death benefit nomination or reversionary pension settings. Your will governs estate assets; your nominations govern super. Coordinating both is core financial estate planning.

What’s the difference between a binding nomination and a reversionary pension?

A binding nomination directs a lump sum to dependants/estate; a reversionary pension continues an income stream to the nominated dependant. The tax and means-testing outcomes differ—your estate planning advisor will model both.

We just had our first child. What should we prioritise?

Guardianship decisions, adequate life/TPD cover, clear beneficiary nominations, and an updated will/EPOA. Many clients find our 15-minute consult helps convert “to-do” into an action plan.

Can you work with my solicitor and accountant in Castle Hill?

Yes. We coordinate strategy and documentation so nothing conflicts – exactly what people mean when they search for estate management or estate planning wealth management.

Do you help with aged-care considerations for my parents or for us later?

Yes. Our team also specialises in Aged Care Financial Planning, considering potential impacts on Services Australia means testing and aged-care funding settings so today’s choices don’t create tomorrow’s problems.

Book a Consultation

Click on the link below to arrange a complimentary initial consultation.

Book Consultation Call (02) 9894 1844

Contact Us

Send us a message using the form to the right, or get in touch with us via any of the methods below.

Book Consultation

(02) 9894 1844

michael@roccaforte.com.au

5 / 15 Terminus St Castle Hill NSW 2154
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Opening Hours
9:00am–5:00pm, Monday to Friday

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