National practice
Every Australian state
6 service areas
Comprehensive advice
Independently owned
No institutional influence
Wisdom-led
We explain our reasoning
Advice for every stage of life.
Young professionals
Structure around super, investing and protection early, while time is on your side.
Families
Protecting the people who depend on you, and planning for school, home and beyond.
Business owners
Connecting your business, super and personal wealth into one coherent strategy.
Pre-retirees
Knowing when you can stop working, what income to expect, and how to get there.
Retirees
A reliable income, a portfolio that lasts, and guidance on aged care and estate matters.
High-net-worth clients
Private banking depth for complex structures, SMSFs and intergenerational wealth.
Advice across the whole picture.
Most financial decisions affect each other. We look at them together, so your strategy holds up as a whole.
Retirement planning
When you can stop working, how to draw an income, and how to make it last.
Superannuation
Contributions, consolidation and structure for the decades before you need it.
Investment management
Portfolios built across providers, chosen on merit and reviewed with discipline.
Personal insurance
Life, TPD, trauma and income protection, compared across the market.
Self-managed super
Whether an SMSF suits you, and how to run one properly if it does.
Estate planning
Making sure what you have built reaches the people you intend.
Aged care
Clear guidance on costs, options and timing, for you or a parent.
Ben Ebbage
Before founding Sophos Wealth, Ben worked in private banking, advising clients whose financial lives were complex and whose decisions carried real weight. He started Sophos to bring that depth of thinking to a wider group of Australians, with advice shaped around the client rather than a product list.
Today Ben works with professionals, pre-retirees and retirees across the country. He believes advice is only worth following when you understand the reasoning behind it, so he takes the time to explain it. You deal with Ben directly, from the first conversation onward.
Get in touch →The Sophos Retirement Sequence
Retirement is not one decision. It is five, and the order matters. Each stage is a genuine decision point, and each one builds on the stage before it, so the plan rests on evidence rather than assumption.
Position
A single, consolidated view of where things stand today, covering super across every fund, other investments, debts, insurances, entitlements and what the household actually spends.
Protect
Closing income and risk gaps before the transition rather than after, and testing the plan against a market fall early on, a health event, aged care, or one partner outliving the other.
Project
Modelling retirement income under realistic and adverse scenarios, so that a hopeful guess becomes a modelled answer, with the levers clear if a scenario looks tight.
Provision
Structuring the money for the outcome the projections point to, including the timing of pension phase, consolidation, and a tax-effective order of drawing down.
Sustain
Reviewing the plan on a set cadence, with clear triggers for change, because retirement planning is never a one-off event.
When you ask what makes Sophos different, the answer is not how many retirements we have worked through. It is exactly how we work through yours, and why each stage exists.
Who we helpReady to make your first wise decision?
Your initial consultation is complimentary and without obligation. We'll talk through where you are, what you'd like to achieve, and whether we're the right fit.
Book an initial consultation