Achieve Financial Freedom with Creo Wealth
Your Personalised
Financial Planner and
Wealth Manager
Discover the confidence that comes from having a passionate, knowledgeable, and committed team guiding you towards your financial goals. Start your journey to financial freedom today with Creo Wealth.
Get Started
Our friendly team would love to hear from you.
As featured in
Client Testimonials
Real Stories, Real Success
Discover the powerful impact of our financial advice through the voices of our clients.
What we can do for you
Problems You May Be Facing with Financial Planning
Lack of Knowledge
Many people find financial planning overwhelming. They lack the knowledge and understanding to make decisions about their financial future.
Limited Time and Resources
Busy schedules and limited resources can make it challenging for individuals to dedicate the necessary time and effort to proper financial planning.
Fear and Anxiety
Managing finances can be a source of stress and anxiety. Fear of making the wrong decisions can lead to procrastination or avoidance altogether.
Lack of Trust
Many people are skeptical about financial advisors due to concerns about transparency and honesty, making it difficult to find a trusted partner.
The Consequences of Ignoring Financial Planning
Financial Instability
Without proper financial planning, individuals may face financial instability, struggling to manage debt, savings, and investments effectively.
Stress and Anxiety
Ongoing financial uncertainty can lead to increased stress and anxiety, impacting overall well-being and quality of life.
Poor Financial Decisions
Lack of proper guidance can lead to poor financial decisions, such as improper asset allocation, inadequate insurance coverage, and inefficient tax strategies.
Inadequate Retirement Funds
Without a solid retirement plan, individuals risk not having sufficient funds to maintain their desired lifestyle in retirement.
Discover how to put your money to work!
Free chat, no obligation.
Real Stories, Real Success
Tailored Financial Plans
We create customized financial plans based on your unique circumstances and goals, ensuring that every aspect of your financial life is considered.
Trust and Integrity
At Creo Wealth, integrity is at the core of our practice. We are committed to transparency and honesty, building a relationship of trust with each client.
Stress-Free Financial Management
By partnering with Creo Wealth, you can alleviate the stress and anxiety associated with managing your finances. Our expert team is here to guide you every step of the way.
Education and Empowerment
We believe in empowering our clients through education. Our advisors take the time to explain financial concepts and strategies, helping you make informed decisions with confidence.
How we work with you
Your Journey to Financial Success with Creo Wealth
Experience a seamless and personalized financial planning process with our expert advisors. Here’s how we guide you towards achieving your financial goals.
Get to know you
This is your first appointment with your advisor. You can meet face-to-face in our Penrith office or meet over Zoom.
Setting Goals & Fact-Finding
Your first appointment with your advisor can be either face-to-face in our Penrith office or over Zoom. This meeting is a fantastic opportunity to get to know each other.
Number Crunching
Now it’s time for your advisor to have a love affair with your numbers. They will analyze the information gathered during your discussions, along with your current financial details and goals.
Strategy Preparation
Now it’s time for your advisor to have a love affair with your numbers. They will analyze the information gathered during your discussions, along with your current financial details and goals.
Plan Presentation Meeting
Your advisor will ensure you understand our advice during this meeting. You can tweak the plan if needed, and then it’s time to get excited!
Your Trusted Partner in Financial Success
With a passion for numbers, a commitment to integrity, and a focus on personalized service, we provide expert guidance to help you navigate your financial journey with confidence.
Creo Wealth is a family-owned and operated business. Anthony Sultana is a financial advisor in Penrith who enjoys a love affair with numbers. And Kylie Sultana is the practice manager and organisational queen.
Anthony’s goal is to remove the ‘one size fits all approach’, providing tailored advice that’s specific to you. And Kylie’s on a mission to help you understand your money story and give you the tools to start rewriting it.
Anthony Sultana
Principal Financial Planner
Kylie Sultana
Practice Manager
Holly Mason
Office coordinator
Lovely Dajao-Labriaga
Data entry extraordinaire
Are you ready to make your cash work hard for you?
Why leave your finances to chance? There’s no better time than now to improve your financial future. Book an obligation-free chat or give us a call on
(02) 9629 1866 and see how we can help you create and protect your wealth.
Your Questions, Answered
Have questions? We have answers. Browse through our frequently asked questions to learn more about how we can assist you in achieving your financial goals.
How do I know if I need a financial advisor?
If you have financial goals—whether it’s growing your wealth, securing your retirement, or protecting your family’s future—a financial advisor can help you get there. A financial advisor is especially valuable if you:
- Feel uncertain about how to invest or manage your money.
- Want to make the most of your superannuation.
- Need guidance on tax-effective strategies.
- Are planning for retirement or aged care.
- Own a business and need financial structuring advice.
At Creo Wealth, we help people at all stages of life, whether you’re just starting out or looking to optimise your existing wealth.
What should I expect in my first meeting?
Your first meeting with Creo Wealth is all about you. We take the time to understand your financial goals, current situation, and any challenges you may be facing.
During this conversation, we will:
✅ Discuss your short and long-term financial objectives.
✅ Go over your income, expenses, assets, and any existing investments.
✅ Explain how we can help and what strategies may be suitable for you.
✅ Answer any questions you have—this is a no-pressure chat!
By the end of our session, you’ll have a clear understanding of what’s possible and what the next steps look like.
How does Creo Wealth tailor financial advice to individual needs?
We don’t believe in a one-size-fits-all approach. Every financial plan we create is customised to your unique situation.
Our process includes:
🔹 Understanding your goals – Whether it’s early retirement, growing investments, or buying property, we shape strategies around your ambitions.
🔹 Assessing your financial situation – We take a detailed look at your income, expenses, debts, and assets.
🔹 Implementing smart strategies – We recommend tax-effective investment, super, and insurance solutions designed specifically for you.
🔹 Regular reviews – Life changes, and so should your financial plan. We check in regularly to keep you on track.
You’ll receive a financial roadmap that aligns with your needs—not a generic plan.
Are there any upfront costs involved?
We believe in transparency when it comes to fees.
At Creo Wealth, we offer a complimentary 15-minute chat to see how we can work together and determine if we’re the right fit for your needs.
For those who want a deeper dive into their financial situation, we offer a 60-90 minute initial consultation for $497. This session provides a comprehensive snapshot of where you are now, explores your financial goals (both short and long term), and outlines potential strategies to help you move forward.
If you decide to proceed with our services, we’ll provide a clear breakdown of any additional costs before moving forward—no hidden fees, just honest, upfront pricing.
How often will I communicate with my financial advisor?
If you choose to join one of our ongoing service packages, you’ll have direct access to your advisor and our team for any questions or assistance you need. In addition, you’ll receive:
✅ Regular reviews (typically annually or biannually) to ensure your financial plan remains aligned with your goals.
✅ Ongoing access to advice when major life events or financial changes occur (e.g., buying a home, starting a business, or transitioning to retirement).
✅ Proactive updates if there are market changes or opportunities that may impact your strategy.
If you choose not to have an ongoing service package, you can still access your advisor as needed at an hourly rate. We believe in transparent pricing, and your advisor will help you determine whether ongoing support is right for you or if a one-off consultation better suits your needs.
Can Creo Wealth help with both personal and business financial planning?
Yes! We work with individuals, families, and business owners to create tailored financial strategies.
For individuals, we specialise in:
✅ Investment planning & wealth creation
✅ Superannuation & retirement planning
✅ Personal risk insurance & estate planning
✅ Aged care financial advice
For business owners, we offer:
✅ Business structuring & succession planning
✅ Tax-effective wealth strategies
✅ Cash flow & investment management
✅ Personal and business insurance
Whether you need a plan for your personal finances or help managing your business wealth, we’ve got you covered.
What makes Creo Wealth different from other financial planning services?
At Creo Wealth, we’re more than just financial planners—we’re your long-term financial partners. What sets us apart?
🔹 Personalised Service – We take the time to understand you, not just your numbers. Our advice is tailored to your goals and circumstances.
🔹 Transparent & Honest Advice – No hidden fees, no product pushing—just genuine advice that’s in your best interest.
🔹 A Focus on Education – We believe in empowering our clients, so you fully understand your financial options and can make informed decisions.
🔹 Specialist Expertise – From wealth creation to aged care financial advice, our team has deep experience in all areas of financial planning.
🔹 Flexible & Accessible – Based in Penrith, NSW, we serve clients across Australia through virtual and in-person consultations.
We’re here to help you take control of your finances, no matter where you’re starting from.
Get in touch with us
Have questions? We have answers. Browse through our frequently asked questions to learn more about how we can assist you in achieving your financial goals.
Our Location
Suite 26, The Broadwalk,
458-470 High Street
Penrith NSW 2750
Phone Number
Email Address
Get Started
Our friendly team would love to hear from you.