A trusted partner for your financial journey
Life on the beautiful Central Coast offers a unique mix of coastal relaxation and vibrant community living. Whether raising a family, running a business, or planning the retirement you’ve always wanted, having the right financial adviser on the Central Coast makes all the difference.
At Elliot Watson Financial Planning, we help clients across the Central Coast confidently manage their finances. Our role is to simplify the complex financial world and provide strategies that bring you closer to your financial and lifestyle goals.
From wealth management and superannuation to retirement planning and tax strategies, our expert team will ensure your money works as hard as you do.
Why work with a financial adviser on the Central Coast?
Financial planning is about more than numbers — it’s about giving you the freedom to enjoy life today while building a strong foundation for the future. Choosing a financial adviser means choosing someone who can help you:
- Make informed decisions about investments, superannuation, and insurance.
- Navigate tax and compliance with confidence.
- Develop strategies to assist clients achieve long-term wealth growth.
- Protect your family and lifestyle goals against unexpected challenges.
Our Central Coast financial planners are committed to putting your best interests first. Our advice is personalised, evidence-based, and designed to empower you to feel financially confident.
1. Tailored financial strategies
We know no two clients are the same. Whether you’re a first-time investor or a business owner with complex financial needs, your dedicated financial planner will design strategies that match your specific situation.
2. A complete service offering
Our network includes trusted mortgage brokers, accountants, and estate planning specialists. This ensures that every part of your financial life — from home loans and debt management to superannuation and estate planning — is seamlessly managed.
3. Proactive monitoring
Financial planning isn’t “set and forget.” We provide regular monitoring and adjust your strategies as your financial situation and lifestyle evolve. This way, your plan continues to support your wealth goals and family needs.
4. Decades of expertise
Our team is backed by strong qualifications, ongoing professional development, and a commitment to staying ahead of changes in the financial world. You’ll always have access to the most up-to-date insights and expert advice.
Elliot Watson Financial Planning offers a full suite of services to help you manage, protect, and grow your wealth.
From general financial advice to tailored wealth management and generation strategies, professional advice can make a real difference.
Superannuation & SMSF
Get the most from your superannuation with strategies to optimise contributions, manage investments, and take advantage of available tax benefits.
Investment Planning & Wealth Creation
Structured portfolios and investment strategies that consider your risk tolerance, time horizon, and lifestyle goals.
Personal Insurance
Safeguard your financial future with tailored insurance solutions to protect you and your family.
Aged Care Financial Advice
Compassionate support to navigate aged care funding and ensure peace of mind for families.
Legacy & Estate Planning
Protect your legacy and ensure your wealth is passed on with care and foresight.
Budgeting & Cash Flow Management
Improve your money habits and create financial breathing room.
Capital Growth & Income Generation
Build a balanced investment portfolio that drives long-term wealth growth while delivering reliable income.
Debt Management & Mortgage Advice
Manageable mortgages and refinancing strategies to help you manage debt and make the most of home loans.
Retirement Planning
Create a roadmap that balances enjoying life today with ensuring security for tomorrow.
TPD Claims Advice
Get expert support to navigate Total and Permanent Disability (TPD) claims and secure the financial protection you’re entitled to.
Private Wealth Management
From growing investments to protecting assets, we help you build a long-term plan for wealth growth and financial security.
Group Insurance Plans
Provide employees with comprehensive insurance coverage through flexible, cost-effective group plans.
Work with advisers who put you first
Every financial decision you make has long-term consequences. At Elliot Watson Financial Planning, we help you approach these decisions with clarity and confidence. From structuring your investments to managing superannuation, we provide the foresight, guidance, and support that keep your finances on track.
When you partner with us, you can expect:
- A personalised financial plan aligned with your lifestyle goals
- Access to a complete range of financial services
- Practical strategies that evolve with your life stages
- A long-term relationship built on trust and transparency
What our clients say
Chris Burchell
The team have been amazing and set me up exactly as I wanted to make the most of what I have and generate wealth for long term goals and planning.
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John Campbell
Recently retired and transitioning assets into superannuation and investment funds. Jose and the Elliot Watson team are doing a brilliant job providing sound advice towards ensuring my funds will provide an adequate lifelong self funded pension. Highly recommend the Elliott Watson team.
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Tom Rees
Highly recommend this company for anyone, but most importantly the youth. Without their expert advice, I’d not have a clear direction for my future personal/business ventures.
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Rhys Wallis
We have had some great catchups with Elliot and Vikas. Amazing communication and very supportive throughout the process. We now have some amazing strategies to grow our wealth and prepare for our families future. Thanks team!
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Ellen Calver
Vikas has been such a great help setting ourselves up to help grow our future. We are novices when it comes to finances and have appreciated guidance to set up our young family for success
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Samantha Wallis
Very knowledgeable and helpful to help set ourselves up for the future. Make things easy to understand and simple.
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Troy Wright
Jose from Elliot Watson has bee supporting us with Financial Planning for around 5 years now and both the service we receive and results we've managed to achieve have been amazing. Jose is not only knowledgeable but super friendly and delivers his advice in a really digestible way, especially for folks who aren't necessarily financially literate. The team behind Jose are outstanding too, quick follow up, reminders to hold us accountable for the plans we've agreed on and always there to help with any questions or support. The options Jose has provided in terms of where we invest has led to some above expectations growth since we began and his tips on how to maximize our returns leveraging the latest information has helped make sure we are making the most of our finances at all times. Couldn't recommend Jose and the team highly enough!
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Luke Percival
Jose has been so helpful with restructuring our financial affairs and prepare for our future. Always so friendly and welcoming! Highly recommend!
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Karen Muddle
Elliot Watson & team has helped us financially to achieve our goals & dreams. And we are happy to continue working with them into our future.
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Carl McCullum
Can't recommend Jose and the team enough. Been my financial advisor for over 5 years. Excellent service
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neil mckeahnie
I have been with Elliot Watson financial for approximately 4 years now and find all the staff involved with my account are very informative and supportive of my goals And very helpful with everything after the passing of my wife
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Anita French
We've known Jose for quite some time and feel really comfortable with him. Also, the entire team at EWFP are very helpful. We look forward to our future meetings.
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Laura Higgins
Ive been with Watson Financial for just over a year now, and very happy with the service. really supportive and informative. Would 100% recommend
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Micaella Hansen
We can't recommend Elliot Watson Financial Planning enough! Working with Elliot and his team has been such a pleasure. They've helped us navigate income protection and life insurance, making sure we have the coverage that fits our family’s needs. We've also received valuable advice on superannuation, and setting up an investment account, which has helped us plan for a more secure future. What we really appreciated was Elliot’s friendly and approachable style. He took the time to explain everything, answer our questions, and make sure we felt comfortable every step of the way.
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hannah means
Jose has been a pleasure to deal with. Extremely friendly, approachable and professional. He’s provided us with the guidance & information we needed to streamline our finances, reduce our tax and put together a financial plan for our families future. We highly recommend Jose and look forward to continuing with Elliot Watson.
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neridah busch nerryandterry@hotmail.com
Over 10 years of working with Elliott and his team and gave found them to be friendly, knowledgeable and courteous. Very professional too.
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Glen Coulam
Over 10 years of fun and growth thanks to Elliot and his team
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Renae Unicomb
We are very grateful for the advice provided by Elliot Watson and the team at Watson Wealth, and the support they have offered through each stage of consultation with them; always putting the future of our family at the forefront of all decisions and actions made.
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Chris Unicomb
We are very grateful for the advice provided by Elliot Watson and the team at Watson Wealth, and the support they have offered through each stage of consultation with them; always putting the future of our family at the forefront of all decisions and actions made.
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Tania McCullum
I would highly recommend Jose from Elliot Watson Financial Planning. Great professional advice, that is personalised to my needs.
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Frank Kummeling
Jose and the team have provided and continue to provide a great service.
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Karen Whiteman
We would like to say a big thank you to Jose. He has been amazing in his recommendations and organising our financial future. Jose has been extremely helpful and insightful. He has ensured we will be able to retire sooner rather than later. We would highly recommend Elliot Watson Financial Services to anyone.
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Tony Regenfelder
i always come away from my annual catch up with jose knowing i'm in great hands. He always puts me at ease.He really does care about my financial position . the meetings are always relaxed and at the end i feel i have a vision to my retirement
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Vivienne Gambrill
I would highly recommend Elliot. We’ve been working together for 10+ years. I’m comfortably retired now & enjoying life with the funds that we grew together over my working years.
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Sheree Sneesby
I have had the pleasure of working with Elliot for many years and would not hesitate to highly recommend him. Elliot takes the time to understand my individual needs and has provided me with well-tailored and easy-to-understand advice.
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Annette Rae
Elliot has been our financial advisor since 2008. We are now retired and are very happy with his management over the years. I would recommend him to anyone. His staff are also amazing.
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Jeffrey Flaherty
Elliot and his team have always had our best interest in mind and communication has been excellent throughout
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Chloe Nicole
I've been a client of Elliot's for over 10 years. During that time Elliot has helped me with many financial strategies that i otherwise would not have been aware of, which ended up saving me a lot of money when buying & selling houses as just one example. He is not only very professional & knowledgable, but also caring & trustworthy, and someone i'm happy to call a friend. I'd highly recommend anyone that's looking for any sort of financial advice or planning to go and chat to Elliot.
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Holly Gardner
The team are all very approachable and knowledgeable and I have no hesitation recommending their services.
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Sonia Sinclair
We have been with the team for 12 months and so far we are very happy with there advice and our investment .
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Steveo Fisher
Edit 2/1/24 Not a bot. please check your records again for Steve B postcode 2290 apt was 14/12/23 10am with Jose. Some of us (who aren’t advertising on google) like to keep our privacy. I’m sure you would like Google to take this review down I welcome them contacting me for verification. Your process does not need clarifying, I went through it and my review is response to it. With regards to “only then do we provide a quote for proceeding”, I’m not sure how you label this as a “quote” when it is a fixed fee (or so I was advised by Jose) you know in advance of the first call, but you do NOT disclose until the customer has paid $500. This could easily be called out at the beginning of the process (especially when you mention the initial fee e.g. our fees are $500 for an initial consultation and an additional $6500 if you would like any personalised details (unless of course you are happy making a living from initial consultation). I’ve made a copy of this post including the edit and your reply which I will happily repost under my real name if you do get google to take it down (I wonder how many other genuine replies you have squashed). As stated, this is an honest review of my initial engagement in your Newcastle office and posted so others may benefit from the “transparency” you say is your core value. Original review. Very, very disappointed with pricing disclosure! This review is about their initial engagement session ONLY! They are up front that the initial consultation will cost $500. At the meeting they go through a questionnaire that you already completed, and give a very vanilla overview of investment diversity (which i feel you could find on YouTube) this did take 1.5 - 2 hrs so wasn't rushed. They then hit you at the end with a FIXED cost of an additional $6500 (which they knew in advance but they don't tell you until you owe them $500) if you want any personalised information. They aren't accountants so that would be extra, advised that they could not be specific with which funds within your super you should invest (just quotes that domestic and international shares had the best long term returns (again easily found on YouTube)) but they do sell insurance which features heavily in the diversification talk (go figure). I can't make any comments on the returns you may make (which must be good given all the 5 star reviews) as i decided to cut losses after spending $500 as i felt uncomfortable they had failed to be upfront about the actual fee for personalised advice of $6500 more for the FIRST year. I expressed that i felt this was lack of disclosure and they thanked me and said they would look into how to better communicate before first meetings for others. I guess only future customers will find out if this is true or if they are happy taking the initial consultation fee. Only one party is more wealthy after this meeting :/
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Brendan Rae
Elliot and his team are great. They make the process so easy and take the stress out of everything. I would absolutely recommend them.
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andrew clowes
Elliot Watson Financial Planning has allowed me to concentrate on living and not worrying about the financial future. Easy to deal with and friendly staff
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Peter Breakwell
Although I was not introduced to Elliot until later in my working life he gave me a clear picture of my situation and the confidence and peace of mind to move into the next chapter. His guidance with not only my business but that of my immediate family members has been invaluable.
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Blake Burgess
Elliot and the team are absolutely amazing at what they do! Been with them for years, they are excellent at growing personal wealth & assisting to achieve your goals!
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Kate Mullins
My partner Hayden and I learnt a lot from the Financial Planning meeting we had with Jose in Maitland. We were able to ask questions about everything and Jose was happy to explain it all in detail. We both feel more comfortable about the direction to take in the future with our finances, and we will definitely be recommending Jose and Elliot Watson Financial Planning to our friends and family 🙂
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Sue Thomas
Jose has been working with us to ensure we will be secure in our retirement. He provides information both verbally and visually to make sure we have the full picture. We appreciate your support Jose.
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Andrea Edwards
Another very thorough time spent with Elliot. Have come away feeling happy and confident knowing that our finances are in good hands. Thank you as always.
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Jas P
Have been with Elliot for a long time now and he's been great at setting my finances up and providing advice that's helped position me better financially. Great advisor and friend.
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gregory stiff
Been with Elliot since 2007 and have always found him to be honest and trustworthy with the investment that I have with his company. Please keep up the excellent service and returns you get for my investment.
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Stewart Edwards
We've been with Elliott for around 6 years and have been very pleased with his service and advice. Heading into the retirement phase of our lives in a great position thanks to Elliott.
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Kane Sanders
Jose and the admin staff at Elliot Watson Financial Planning have been great. Everything has been so simple and I’m feeling that I’m in very good hands. Couldn’t recommend Jose and Elliot Watson Financial Planning highly enough.
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Lyn Kenning
Very happy with the Elliot and his management of my finances. He is both professional and friendly. No hesitation with recommending Elliot to take care of your financial affairs.
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Barbara Humphries
I had a fantastic experience with Elliot Watson Financial Planning. Elliot is a pleasant and knowledgeable professional who provides an excellent service. He takes the time to explain everything clearly, ensuring I understand the process. I strongly recommend his services for anyone in need of financial planning.
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Geoff Vane
Jose Hernandez has expertly guided us through the complicated process of preparing for retirement. Prior to working with Jose we were quite stressed about our retirement. Jose has been able show that even with the small amount of super that we have, that we can look forward to a long and financially secure retirement. I have no hesitation in recommending Jose and Elliot Watson Financial Planning.
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Aaron Burke
I cannot speak highly enough about my experience with Elliot Watson Financial Planning during a particular challenging time in my life. From the moment I reached out to them, I was met with the utmost professionalism, empathy and expertise. I am incredibly grateful for their life changing advice and service during my time of need. Thank you for everything!
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Erin Diggelmann
I have been working with Jose for two years. His exceptional content knowledge and passion for supporting clients have made me feel extremely supported to make informed choices about my finances. I have always been made to feel comfortable and cared for in all my interactions with Elliot Watson Financial Planning and would highly recommend this business.
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Jonathon Bell
Since starting with Elliot both my own and my wife’s financial stability has grown beyond where we could have thought. Obtaining insurances to protect our work and lives as well as getting on top of every day living and superannuation is setting up very well for retirement. Very happy and look forward to the future with Elliot and his team.
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Kim Hockley
Jose has assisted us greatly to get on track financially and plan for our future. Jose provided quality advice and connected us with other professional services to ensure our future is secure and on track for early retirement. Jose is a very informative and personable financial advisor who answers all questions promptly and thoroughly. We will continue to return for Jose's advice moving forward to ensure we stay on track. We can't recommend Jose enough as an advisor. Thank you!
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Jacqui Ross
Elliot & Jose have been great from the word go! Very helpful & patient in helping us navigate the process & a wealth of knowledge. We feel very heard by them & trust in their processes and advice! Thank you Jose for your ongoing patience & taking as much time to explain things as we need. Thanks so much!
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Alistair sing
I joined Elliott Watson 8 months ago and it's been fantastic to come back for my financial wrap up and see everything laid out in simple, easy to understand terms. I now have a record from where I've started and data based predictions for what i can achieve. Recommended protocols have now been put in place and I'm excited to see what the future holds. Thanks Jose and the team.
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Robert Crooks
Jose has shown empathy and kindness when assisting us prepare my step Mums resources for her stay in a residential home. He offered well researched and professional advice it was a pleasure dealing with him.
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Kerrie McMahon
Very happy with Jose and the team. He has sorted out my financial issues for two years now, always available if you need to speak to him and explains things very well. Pleasant to deal with.
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KAREN MULLER
Jose has been advising me for 2 years now and during that time he has been a great support in helping me keep on track with my financial goals. It is very reassuring to know that he’s only a phone call away should I need expert advice on a big financial decision.
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Tahnee tomek
Jose has always been super helpful, professional and efficient and has helped us to achieve our objectives. Highly recommend if you are looking to gain some clarity and advice on financial planning and investment options.
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david tomek
Very happy with the service I have had from Jose. He takes the time to get to know his clients and makes you feel comfortable and confident that he understands your goals. Have recommended him to friends and will continue to do so in the future
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Rechelle Purvis
Jose was wonderful in regards to helping us plan for our future. We have young children and it’s made us feel secure in our, and their futures. We would not hesitate to refer him to friends and family
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Grant Williams
Jose and his team have been professional, consistent and supportive since our initial consult. Constant communication, and regular updates to keep in touch and on top of changes. A friendly and driven team, who are happy to understand the importance of YOUR needs and those of your family.
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Andrew Newman
Elliot was very approachable and helpful in our consultation. He was very supportive of our future vision for our lives and he demonstrated great knowledge in how we can achieve our financial goals.
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Abraham Edwards
Jose at EWFP has been a great help in providing my partner and I ongoing financial advice and investment management for the last few years. The business came highly recommended from a family member, and I also highly recommend them.
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Margaret Smith
We have been working with the team at Elliot Watson Financial Planning since 2016. They helped us through a number of financial events, helping us get through life's challenges and setting us up for our future. We find them professional, friendly and are strongly recommended.
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Jacqui Ross
Elliot & Jose have been great from the word go! Very helpful & patient in helping us navigate the process & a wealth of knowledge. We feel very heard by them & trust in their processes and advice! Thank you Jose for your ongoing patience & taking as much time to explain things as we need. Thanks so much!
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Glen Blanch
I have been a client at Elliot Watson Financial Planning for over 5 years. Elliot is knowledgable, easily contacted, listens to my queries, takes appropriate action on my concerns and gives proactive advice. I am very pleased to refer Elliot and all his staff - they are professional, friendly and have my best interests in hand.
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Brenden Burley
Elliott and the Team are highly responsive and very knowledgeable. The key performance of the team is easily seen through its positive Synergy and utilisation of a highly responsive network both internal and external of Elliott Watson Financial Solutions. I am very happy to refer continued business to the team and have a long standing relationship with its personnel. Thanks to the Team. Top Stuff, keep it up !
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Mark Williams
Elliot has helped our business immensely. He is a well of knowledge and goes out of his way to help. If you are looking for a Financial Adviser in the Newcastle area I high recommend Elliot and his team.
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Jelinda M
Elliot has been advising me for around 4 years and during that time he has been a great support in helping me keep on track with my Financial goals. It is very reassuring to know that he’s only a phone call away should I need expert advice on a big financial decision. I’ve leant a lot from him over the years. His professionalism is outstanding. I look forward to continuing our working relationship in the years ahead.
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Aaron Spinks
Elliot and his team are a pleasure to deal with. They take time to understand our needs, ensure we are well informed regarding investment and estate planning and ensure we are comfortable with any descion before proceeding. I would happily recommend Elliot Watson to any of my friends and family.
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Mark Birdsall
Elliot has been offering sound financial advice to me for 10 years. I have trusted him implicitly with the majority of decision making and it has been sound advice. Apart from the niceties of cooperation, good office ethics and a positive attitude, Elliot is great to work with, as are his team who look after the finer and very important details. I recently required a fast response and it was actioned immediately. Very impressive. I always find Elliot positive and enthusiastic at our review meetings. He remembers finer details and has always impressed me with his non-judgemental approach. He is realistic and understands the realities of budgeting. If you want to work with a bright, efficient team, I wholly recommend Elliot Watson Financial Planning. Sincerely, Mark Birdsall
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Todd Lawrence
Elliot is a very forward thinking person, always looking out for my best interests. I have been a client of Elliot's for a number of years and have never second guessed any of his advice , I am very pleased with the results I have achieved from his guidance. Elliot has always given the time needed to explain information or answer any questions that I have had in a way that is easily understood. I highly recommend Elliot to anyone looking for financial advice.
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Rod Hirst
Elliot has been our financial adviser for many years now, since we purchased our business Denman Van Village, and it has been a pleasure to see his business grow. He has given us expert advice with a personal touch (made more personal having his business in Kenrick St which is named after my Great Great Grandfather) which always makes us feel comfortable with all his advice. Always contactable to give advice when the unexpected props up.
I would not hesitate in recommending Elliot and his team forFinancial Planning
I would not hesitate in recommending Elliot and his team forFinancial Planning
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Business Singleton
Elliot isn't just concerned with numbers on a page, he considers all aspects of his clients lives when determining the best financial planning for them. The advice he gives not only suits the short term, it aligns with a long term strategy for a successful future. I highly recommend his services.
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Rob
I have been receiving advice from Elliot for close to ten years now and he has been fantastic. Elliot's knowledgeability and candid discussions with me have been very helpful in terms of presenting clear choices and directions when it comes to making big life decisions.
I strongly recommend Elliot.
I strongly recommend Elliot.
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Sarah R
I had an initial planning appointment with Elliot and Jose in 2020; where it was quickly identified that ongoing financial planning would not be beneficial for my then circumstances.
Jump to 2025, my day to day financial position is in a place where I require additional guidance to grow/invest my savings to purchase a home, start reviewing my superannuation for my eventual retirement and take steps to kick off estate planning.
The appointments with Vikas and Izaac have been informative, and having recently met with Stephen for estate planning it is clear Elliot has built a solid business with knowledgable colleagues and partners.
Jump to 2025, my day to day financial position is in a place where I require additional guidance to grow/invest my savings to purchase a home, start reviewing my superannuation for my eventual retirement and take steps to kick off estate planning.
The appointments with Vikas and Izaac have been informative, and having recently met with Stephen for estate planning it is clear Elliot has built a solid business with knowledgable colleagues and partners.
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FAQs
What does a financial adviser do?
A financial adviser provides professional guidance on investments, superannuation, retirement planning, and overall financial strategies to help you achieve your goals.
Do I need to be wealthy to see a financial planner?
Not at all. Financial planning is about making the most of your money, whatever your starting point.
What’s the difference between a financial adviser and an accountant?
A financial adviser focuses on strategies for wealth growth, retirement planning, and investments, while an accountant focuses more on tax compliance and reporting.
How often should I review my financial plan?
We recommend at least once a year or whenever you experience significant life changes.
Can you help me reduce tax liabilities?
Yes. Our advisers provide tax planning strategies that maximise deductions and structure investments for long-term efficiency.
Do you work with businesses as well as individuals?
Yes. We assist business owners with structuring, succession planning, and managing cash flow.
Take control of your financial future today—contact our financial planners on the Central Coast
The earlier you begin planning, the more choices you’ll have. Whether you’re looking for retirement strategies, support with debt management, or ways to grow your investments, our Central Coast financial advisers are here to help.
Contact Elliot Watson Financial Planning today to book a consultation and discover how the right advice can help you achieve your financial goals — and enjoy the lifestyle you deserve.
CONTACT US TODAY