Retirement Planning Specialists
Click here

What To Expect

At Glasshouse & Sky Financial Services, we approach financial planning as a journey designed to fully understand your unique needs and goals. Each stage is tailored to provide clarity, confidence, and a clear path toward financial security and prosperity.

1
Client
Engagement

At Glasshouse & Sky, we start by understanding your unique circumstances to provide tailored advice. We focus on building trust and transparency through detailed discussions about your financial goals, current situation, risk tolerance, and specific concerns.

2
Gathering Client Information

We assess your cash flow, budget, net worth, and liquidity. This phase involves collecting data on income, expenses, assets, liabilities, insurance policies, and investments to create a comprehensive financial picture.

3
Comprehensive Financial Evaluation

Using the gathered data, we analyse your financial situation, including goals such as a holiday, home renovation or retirement goals. We model various planning strategies to identify areas for improvement.

4
Tailored Financial
Advice

Based on our analysis, we offer personalised recommendations on investments, retirement plans, tax planning, estate planning, and risk management. Our goal is to provide clear steps to enhance your financial security.

5
Implementing our
Advice

We help you put your plan into action by implementing the strategies we have recommended such as opening investment account or purchasing insurance policies. We provide ongoing support to ensure there is a smooth transition towards achieving your goals.

6
Monitoring and Reviewing your Financial Plan

Regular reviews ensure your plan remains relevant to your situation. We periodically assess progress, update financial data, and adjust the plan as needed to adapt to changes in life circumstances.

Celebrate your first steps to your financial wellbeing by making an enquiry here!

When do I start Retirement Planning?

Preparing now will provide peace of mind in the future.
Nobody wants financial worries in retirement. With careful planning, you can achieve your goals.

Our personalised approach helps build a prosperous future and gives you confidence.

We help you to define your retirement goals and develop a strategic plan.

Consider factors like retirement age, lifestyle, and financial priorities. We assist in evaluating income and expenses while forming a comprehensive plan for future needs.

Start early by consulting with our professional advisers to guide you to make

informed decisions about your future. Take action now for a fulfilling retirement.

Can I Reduce debt as part of your retirement plan?

Take control of your future by managing your debt today
Take control of your future by managing your debt today. Paying down debts now while you’re working can set you up for greater financial freedom in retirement. We at Glasshouse & Sky understand everyone’s journey is unique, so we offer options and advice to help us create a strategy that works for you. Even small changes can lead to significant results over time, giving you greater confidence and peace of mind about your future

How much Superannuation is enough?

Be proactive with your super
Be proactive with your super by making strategic contributions and planning smartly for retirement. Small contributions can significantly impact your retirement savings, so learn ways to increase your super. Additionally, 
combining super accounts reduces paperwork and fees, potentially boosting your total balance at retirement. It's also important to understand how your super is invested and explore different investment options which are appropriate for your risk tolerance.

Why Choose an SMSF?

Self-Managed Super Funds (SMSFs) provide considerable flexibility and control over superannuation investments. Unlike traditional superannuation funds, an SMSF allows for a customised investment strategy according to individual preferences and risk tolerance. This includes options such as direct property investments, shares, or other assets.

The key advantage of an SMSF is its flexibility in meeting the unique needs and objectives of its members.

With the assistance of an SMSF adviser, you can receive objective advice about your investment opportunities, tax planning, legislative guidance, and retirement planning, to help you grow and protect your superannuation
Expert Guidance Every Step of the Way

Setting up an SMSF can be complex. We assist by leveraging industry
experience and personalised service to develop a comprehensive strategy
based on financial goals.

Tailored Strategies for Optimal Results:

  • Establish Your Fund: Ensure compliance and proper setup.
  • Investment Advice: Strategic advice for diversification and risk
    management.
  • Ongoing Management: Continuous support for compliance and
    performance.
  • Compliance and Administration: Handle audits, tax returns, and
    administrative tasks

Insurances for a Rainy Day

Protect what matters
Protect what matters with insurance and personalised strategies to mitigate the risk you carry on a rainy day. Personal risk management involves identifying threats to your well-being and taking steps to handle them, preparing you for life's uncertainties. We offer personalised insurance plans to protect your assets and ensure financial security for you and your loved ones.

Insurance is a common way to manage financial risks, including life, health, disability, and property insurance.

Risk Assessment

Our expert team conducts thorough risk assessments to identify and
mitigate financial threats. We help you determine:

  • Areas of risk in your finances
  • Your earning capacity
  • Overinvestment in certain assets
  • Your risk appetite
  • If you are taking on more risk than desired

Investments

We provide diversified investment options to help you grow your wealth and achieve your financial goals.

Estate Planning

Estate planning is a crucial step in financial planning. It ensures your wishes are carried out after your death, such as making sure your hard-earned assets reach their intended beneficiaries, having a trusted administrator in place, and nominating someone to care for minors if needed.

Not all assets are estate assets, and only estate assets are distributed according to a will. Estate planning can also involve setting up trusts, making charitable donations, and planning for potential estate taxes, which can further ensure that your assets are protected and distributed according to your wishes.

About Us

At Glasshouse & Sky Financial Services, we are dedicated to helping you achieve your financial goals through personalised and comprehensive planning. With over 35 years' experience in accounting and financial services, we deliver tailored solutions that align with your unique needs and aspirations.

Meet Our Team

George Stivactas:

With a career spanning over 35 years, George Stivactas is a seasoned finance professional dedicated to guiding individuals, businesses, and organisations towards financial success. George’s experience covers all facets of financial management, including accounting, taxation, SMSF, superannuation, business structuring, and strategic planning. Having worked with a diverse client base—from individuals, small business owners to large corporations—George is well-versed in delivering tailored advice that ensures compliance, growth, and peace of mind.

As Principal Accountant at Stivactas & Associates, George has been instrumental in managing client portfolios, overseeing tax obligations, and implementing innovative financial strategies. He is a Registered Tax Agent with deep knowledge of Australian tax law and an unwavering commitment to client service. George is recognised for his leadership and mentorship, fostering the next generation of finance professionals and driving a culture of continuous improvement within his practice.

In addition to his accounting expertise, George is Director and Financial Adviser at Glass House & Sky Financial Services Pty Ltd, where he leads a team providing holistic financial planning, wealth creation, and risk management advice. He has also taken on responsibility for business strategy and operations at LoanLabs Capital Pty Ltd, ensuring seamless lending solutions.

George is committed to establishing enduring relationships and providing reliable financial services to both local clients and those across Australia.

Elene Stivactas:

Elene has served as a partner at Stivactas & Associates Accountants for three decades and brings thirteen years of experience in Financial Services. She has played an integral role in developing the services offered by Glasshouses & Sky and currently holds a key position as Adviser Support. Her extensive background and industry connections allow her to recognise and address the need for high-quality financial advice within the community.

Elene’s qualifications include a Bachelor of Visual Arts, a Post Graduate Diploma in Counselling, a Diploma of Financial Services, and a Master of Financial Planning from Deakin University. She is also a member of the Financial Advice Association Australia (FAAA).

In her current capacity as Adviser Support, Elene ensures exceptional client services by preparing essential documents, overseeing account management, and maintaining compliance with regulatory requirements. She communicates directly with clients, manages follow-ups, contributes to strategy development, and handles administrative tasks to promote effective financial planning and smooth client experiences.

Take Control of Your Financial Future Today!

Discover peace of mind with a true partner by your side. Whether you’re planning for retirement, growing investments, or navigating life’s transitions, we’re here to help.

Contact us today to take the first step toward financial freedom!
35+ Years of Expertise, Tailored Financial Solutions for Your Success.
Start Your Financial Journey HERE
Financial Service Guide
Website Disclaimer

Glasshouse & Sky Financial Services Pty Ltd (Corporate Authorised Representative No. 421337) and all our advisers are Authorised Representatives of Finchley & Kent Pty Ltd, Australian Financial Services Licence No. 555169, ABN 50 673 291 079, and has its registered office at Level 63, 25 Martin Place, Sydney NSW 2000.

Finchley & Kent Pty Ltd Australian Financial Services Licence applies to financial products only. Please note that Property Investment, Tax & Accounting, Mortgages & Finance are not considered to be financial products.

Disclaimer: The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, Glasshouse & Sky Financial Services Pty Ltd and Finchley & Kent Pty Ltd will not bear responsibility or liability for any action taken by any person, persons or organisation on the purported basis of information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should satisfy themselves independently of the appropriateness of such action.
Take our Financial Health Check
Questionnaire here

1. Client Engagement

At GHS, we start by understanding your unique circumstances to provide tailored assistance. We focus on building trust and transparency through detailed discussions about your financial goals, current situation, risk tolerance,and specific concerns

2. Gathering Client Information

We assess your cash flow, budget, net worth, and liquidity. This phase involves collecting data on income, expenses, assets, liabilities, insurance policies, and investments to create a comprehensive financial picture.

3. Comprehensive Financial Evaluation

Using the gathered data, we complete a holistic financial report. We analyse your financial health, including retirement goals, savings, and emergency funds, using various planning tools to identify areas for improvement.

4. Tailored Financial Advice

Based on our analysis, we offer personalized recommendations on investments, retirement plans, tax planning, estate planning, and risk management. Our goal is to provide clear steps to enhance your financial security.

5. Implementing our Advice

We help you put your plan into action by executing strategies such as opening investment account or purchasing insurance policies. We provide ongoing support to ensure a smooth transition towards achieving your goals

6. Monitoring and Reviewing your Financial Plan

Regular reviews ensure your plan remains relevant. We periodically assess progress, update financial data, and adjust the plan as needed to adapt to changes in life circumstances and financial markets.