Pivot Wealth - Financial Planning - Sydney, New South Wales

Toby G.

Have had the pleasure of working with Sal and his team for the past 12 months!
And I honestly couldn't speak high enough of the process, from the get go the communication and explanation of mapping out a financial plan was amazing, the systems was easy to follow and goals made to be realistic! The time spent making sure I understood the next steps was invaluable and results speak for themselves, highly recommended!

Sagunthalai M.

My husband and I have been absolutely thrilled with the exceptional service we've received from the Pivot Wealth team. We have worked with Ali, Sophie and a special shout out goes to Sal. Over the past year, they've gone above and beyond to help us better understand how to manage our money and grow our wealth.
What stands out the most is how they take the time to listen to our struggles and then proceed to guide and teach us about stocks, account management, and smart investment strategies. Ali and Sal made sure that we fully grasp each concept before moving forward. Their ability to explain complex financial topics in an easy-to-understand way has been invaluable.
Thanks to Sal, we feel more confident and informed about our financial future. We truly appreciate their professionalism, patience, and unwavering support. Highly recommend their services to anyone looking to secure their financial future and gain a deeper understanding of how to manage their money effectively! I am pretty sure we will be back again!

Sergey B.

I recently completed the 6-week Investment Challenge by Pivot Wealth, and I have to say it was a genuinely worthwhile experience. The structure of the challenge made it easy to stay engaged and actually apply what I was learning week by week. It wasn’t overwhelming, but it definitely challenged my thinking around money and investing.

What stood out was how practical and grounded the approach was—nothing felt overly hyped or unrealistic. It gave me a much clearer sense of direction with my personal finances, and I walked away feeling more confident and informed.

I’ve also explored a few of the other courses on the Pivot Wealth platform, and they’re quite solid. The content is clear, well-organized, and focuses on real-life application rather than just theory. You can tell there's been thought and care put into the material.

Overall, I’d recommend the challenge and the platform to anyone looking to take control of their finances without the usual jargon or fluff.

Omar H.

I got lucky joining the Smart Money Accelerator program with Pearler and was impressed with the overall Pivot Wealth platform. It has everything you need, whether you're a beginner or more advanced. You just have to keep chipping away at the learning and take action.

Steven L.

Complete Monetary Mindset Reset. The best part of Pivot and Smart Money Accelerator, is it is accessible to all. Whether you have no idea about your money and where it goes or you think you are all over it and want a little bit more to take it to the next level. This should be your first step. Many options available to dip your toe in or go full throttle and commit for the year (as I did). We have just completed a Six-week investing challenge, which has seen great success throughout the community. My friends and family are sick of me talking about SMA, yet they all listen intently when I am talking about some of the strategies I have learnt through this program in the first 3 months. To your Success!!!

Sam W.

I've had a fantastic experience with Sal and the Pivot Team over the last year. I came to them searching for help in setting myself up for the future and establishing better saving and investing habits. The Pivot Team provided all the information, infrastructure and support I needed to make this happen.

Oliver P.

Highly Detailed Review – A must read before signing a 12-month contract

Pivot’s marketing makes some big promises, but my experience told a different story.

Claim: “Good financial advice shouldn’t be seen as a cost but an investment. We will not take you on as a client if it would negatively impact your financial situation.”
In reality, this just means they check if you can afford their fees, not whether the advice will actually improve your finances. They don’t seem to assess if you’re already financially capable or if the advice is worth the cost for your situation.

Claim: “Pivot Wealth is Australia’s most awarded financial advice business.”
In my view, many financial awards can be influenced by networking, marketing, and sponsorships. I believe they likely pay to enter awards, build relationships with awarding bodies, and in some cases, effectively “buy” recognition.

Claim: “In the last 12 months, the average annual upside of our clients’ financial plans was $71,203 after financial advice fees.”
I found this misleading. In my case, their calculation included things I was already doing or planning before receiving their advice, which inflated their claimed impact.

My experience was disappointing from the start. I already knew the fundamentals and told them this upfront. The first three steps of their process gave me no new knowledge, yet cost significant time and money. My main goal was simply to get a third-party financial plan to confirm I was on track, not ongoing coaching. When the official advice document finally arrived, it contained multiple errors and inconsistencies. I have a very straightforward financial situation, so it felt like I was overlooked. They did correct and re-issue the document when I pointed it out, but it didn’t leave me with the impression they were being very diligent or careful.

Much of the advice felt like sideways moves, not genuine improvements. For example: they recommended changing my bank account to one with lower interest than the one I was already using, switching brokers for their convenience rather than mine, and moving my superannuation for negligible benefit. None of these changes increased my wealth, and created more work for me.

Cost and resolution: I paid a $3k deposit and $1k for the first month ($4k total). Initially, they wanted me to continue for five more months (another $5k) and then review whether I was still unhappy. I refused, as I felt they were taking my money without delivering value. After they reviewed our recorded sessions, they agreed I could cancel with no further payments. Looking back, a regular financial advisor could have done what I needed for around $2k.

Who I think this service suits: very high-income earners (over $190k per year) who are not confident managing their finances, especially those unfamiliar with concepts like the financial bucket system, ETFs or index funds, leveraging, assets vs liabilities, tax differences between offset and redraw facilities, investment time horizons, the power of compounding, or tax minimisation strategies.

Who it does not suit: anyone earning less than the top tax bracket, anyone who already understands the above concepts, or anyone with a straightforward financial situation. For these people, the fees are far too high for the value.

Final thoughts: Pivot Wealth’s model is best for high-income earners who need hands-on guidance and accountability. It’s not designed for financially literate people on modest incomes or with simple needs like mine. A cheaper, one-off advice product without ongoing check-ins would have suited me perfectly, but I suspect it wouldn’t be as profitable for them. They claim most people need ongoing accountability and that traditional advice doesn’t work, but that wasn’t the case for me. Only around 4.4% of Australians are in the top tax bracket, and in my opinion, those are the only people who should even consider and could genuinely benefit from, this high-cost financial advice.

Tom W.

My partner and I have had the pleasure of working with Sal and the team at Pivot Wealth, and I couldn’t be more satisfied with the experience. From the very beginning, Sal took the time to understand our financial goals and personal situation, tailoring advice that made sense for our unique circumstances. What really stands out to me is their ability to explain complex financial concepts in a clear, straightforward way, making it easy for us to make informed decisions.