True Wealth is —

living with purpose.

At The Wealth Advisory, we believe that true wealth goes beyond money — it’s about living a purposeful and fulfilling life.

Our mission is to cut through financial complexities, equipping you with the knowledge and skills to confidently navigate your financial future.

We’re here every step of the way, providing clear and personalised financial solutions that adapt to your evolving goals. Our expert, diverse team collaborates closely with you as partners, ensuring your path to financial freedom is achievable.

Trusted since 1993.

The Wealth Advisory was founded in 1993 by Terry Panigiris, who sought to combine his passion for finance with a client‑focused approach to financial planning. His vision of providing tailored solutions built on strong client relationships quickly gained traction.

Over the years, the firm has grown into a multidisciplinary practice, serving clients across generations. Today, Terry and his daughter Angela lead the team, blending over 37 years of experience with fresh, innovative perspectives.

Together, they continue to empower Australians to achieve their unique version of financial freedom.

True wealth is

having the freedom to live the life you choose.

What our clients say about us...

“

Nick’s knowledge of what we needed to retire comfortably has been a great help. His continued support over the past years has been invaluable. I do recommend Nick to anyone that will listen. Keep up the good work Nick.

Debbie

Little Bay, NSW

“

Nick's approach to customer service is admirable. Focused, clear and attentive to the needs of the client. It was useful to reflect back on the last 12 months with Nick and consider the most appropriate insurance and superannuation policies that would help me achieve my long term financial goals.

Nickie

Rosebery, NSW

“

Nick was incredibly patient, knowledgeable and compassionate throughout what was a difficult time for us. He took the time to understand our circumstances, talk us through different options and scenarios, and make sure we felt informed and confident in the decisions we were making. I’m very grateful for his guidance and would happily recommend him.

Sophie

Penrith, NSW

“

Terry is a highly respectful and clear communicator who takes the time to ensure his clients feel informed and understood. He has a deep knowledge of financial matters and keeps up to date with new government policies and legislation, particularly in relation to superannuation. Terry has an excellent ability to explain complex financial matters using clear, easy-to-understand language, helping clients understand the financial implications of their individual circumstances.

Stephanie

Connells Point, NSW

“

Terry is very caring to ensure we understand the issues that affect us and he ensures that firstly he understands our needs and our reasons for doing things and then that he explains fully the reasons for his recommendations and why we need to consider all issues carefully.

Darryl

Sutherland NSW

“

I, along with my late husband, have been advised by Terry for many years. Wouldn’t trust or use anyone else. Always easy to understand. A caring company from start to end.

Leslie

Mosman NSW

“

Thank you so much Nick for all your patience, advice, empathy and care while dealing with us. We have complete trust in you and are forever grateful.

Maria

Matraville NSW

“

Brandon takes very good care of us. He tailored the financial plans to our needs and adjusted them after every review. Brandon explains the financial strategy and the bigger picture in a way that is easy to understand. He is a very kind person, listening and explaining. We can only recommend him.

Pat

Balmain, NSW

“

Nick Bregolin provides excellent advice. He knows how to deliver the information in a language you understand, always concise, honest and transparent. I look forward to future financial guidance with Nick and his team.

Kristine

The Hill, NSW

“

Terry has supported me in my superannuation journey for more than 20 years. His advice and recommendations have always been discussed in an open and clear manner. Excellent communication around all matters, and always responds to any requests or questions very promptly. Cannot fault his expertise and service and highly recommend Terry (and his team).

Craig

Chatswood NSW

“

Close to 20 years of excellent advice! I am very grateful to Terry and his team for their ongoing guidance regarding my superannuation and life insurance. Terry's ability to simplify complex topics with patience and expertise is excellent. If you're looking for a financial adviser who makes you feel as safe and secure as you can be in this world, I can’t recommend him highly enough.

Sara

Chatswood NSW

“

A friend of mine recommended Terry and I am very happy with his services. He is very professional and has so much knowledge with financial planning and superannuation. He is a great communicator and always keeps me up to date with what is happening with my affairs. Highly recommended.

Jacqueline

Burleigh Waters QLD

“

Brandon has given us clear advice regarding our superannuation.

Anna

Carss Park NSW

“

Nick is personable and thorough, and made it easy to transition the oversight of my parents affairs to me when that became appropriate.

Fiona

Wollongong NSW

“

Terry is a very easy and approachable professional who understands the changing needs of not only the younger generations, but also ageing. Highly recommended.

Fotina

Mascot NSW

“

I can't speak highly enough about Terry - he keeps his financial knowledge up to date with the changing tide of world events. His staff are always pleasant to deal with. He is competent, trustworthy, loves his work and does it with a smile - I highly recommend his services to anyone seeking financial advice.

Victoria

Maroubra NSW

“

Thank you to Terry and his team for their excellent service and support in managing our superannuation and guiding us through a successful and stress-free retirement plan. We feel much more secure about our financial direction because of their support. Truly outstanding service—highly recommend.

Carlos

Menai NSW

“

I feel very confident with Terry’s expertise and experience. He has a friendly and professional manner.

Wendy

Avalon Beach NSW

“

I have had a 'lifetime' of working with Terry - since we were both in our early 30s. From my first $5k investment - to now where I just became a pensioner! Terry has been central as an advisor for over 30 years, a friend and above all a trusted pair of hands and investor that has enabled me to look at positively towards retirement thanks in principle to his investment strategies over the years. Terry now also looks after other family members as they have needed to make changes historically, and they also now enjoy working with Terry and the financial outcomes he delivers.

Jonathan

Darling Point NSW

“

Terry thank you for for being such an amazing advisor!

Polly

Kogarah Bay NSW

“

Terry and his team are fantastic. His expert experience and my trust in him and his team are perfect. They are the best! Look no further.

Murray

Sydney NSW

“

Terry was wonderful to work with and explained very clearly and in layman’s terms (for my benefit) the transition to retirement. I would highly recommend him.

Leanne

North Rocks NSW

“

I found Terry Panigris very professional, always willing to help in all fields. I would highly recommend Terry Panigris & The Wealth Advisory.

Helen

Point Piper NSW

“

Terry has had many years of experience in the ups and downs of financial markets and he handles downturns calmly with a view toward the future. He updates his knowledge regularly and shares this with his clients in a simple and effective way. I feel reassured to know my finances are in good hands with Terry and his staff.

Victoria

Maroubra NSW

“

Terry is client focused and a great communicator. A pleasure to do business with! Terry is an informed financial advice professional and highly recommended by my wife and I.

Mark & Nunuk

Eastgardens NSW

“

Whilst working with Nick, he’s provided immeasurable financial advice to help us feel confident with our finance goals. Nick took the time to understand our individual needs and built a plan with us. He has always had our best interests in mind, the most important quality for an adviser in my book.

Grace

Salamander Bay NSW

“

From the moment I met Terry, I felt very comfortable and trusting. With his knowledge of the market and precision when it comes to all things financial, I would recommend him highly. He's not here to mess around and make false promises, he is honest, hard working and genuine.

Murray

Balmain East NSW

“

Nick was very helpful and listened to my concerns and answered the questions.

Stella

Kingsgrove NSW

“

Terry set up our superannuation arrangements and strategies and is now monitoring and adjusting as he sees appropriate, in consultation with us. We are very happy with the service Terry provides and have confidence in him and his team

Graeme

Annandale NSW

“

Nick made me feel very comfortable, he had good knowledge and details on the whole process, and followed up with everything that needed to be done. Nick was very professional.

Tony

Stanmore NSW

“

Terry explains strategies in a clear and concise manner. Always friendly and available to discuss any queries.

Anna & Chris

Carss Park

“

A very big thank you to Nick for your time and for listening to our particular situation and for your clear explanation/recommendations. We are already feeling a lot more confident thanks to the strategy put in place!

Alban

Salamander Bay NSW

“

Since our relationship with Terry began, we have found him to be extremely knowledgeable and helpful. He worked with us to implement a strategy that will support our ongoing financial health.

Bradley

Bar Beach NSW

“

Terry has looked after my family and me for 25 years. His advice transformed our financial future after poor experiences with past advisers. I’m now in a strong position and no longer worry about money. He’s also helped many friends. I’m forever grateful to Terry and his wonderful team.

Selwyn

Cooroy QLD

“

Nick's expansive knowledge gave me the confidence to work with him and accept his advice. He takes the time to explain 'financials' in layman's terms, which I really appreciate. Nick also encouraged and helped me to make insurance changes which will save me a lot of money annually, but still covers my financial needs. I would more than happily refer Nick and his services to friends and family.

Tamara

Dulwich Hill NSW

“

I found it very easy working with Nick. He demonstrated a strong understanding of personal insurances and provided clear, concise advice. He was very personable, diligent and efficient. I would definitely go back to him for advice in the future and recommend him to others.

Kate

Mosman NSW

“

Terry was my mother's financial planner and adviser for many years, and after her passing, I engaged him for the same reason. I always found Terry to be extremely approachable and courteous and able to explain clearly what he believed was in my best interests. Sonia Dennis is also most helpful.

Tina

Coogee NSW

“

Nick was very professional and attentive. He carefully and methodically went through how we could best manage for our future and put us at ease. He was honest and didn’t try and over promise anything. Highly recommend getting in touch with him to see how you can improve your future. Thanks Nick!

Lee

Mascot NSW

“

Nick was fantastic. Always trying to get us the best policies that suit our needs. He knows what he is talking about and is excellent in communicating the pros and cons of each policy. We have been clients with him for many years and cannot recommend him highly enough

Peter

Mays Hill NSW

“

Terry has a great way of explaining his recommendations clearly for me to understand. I ways leave a meeting with Terry feeling confident, knowing that my finances are in good professional hands. Thank you Terry.

Mary

Warners Bay NSW

“

I have relied on Terry's services for over 10 years, and they have consistently provided excellent support in managing my superannuation. I wholeheartedly recommend their services to anyone needing a review of their finances or superannuation.

Alain

Winya QLD

“

Terry is an excellent communicator. He and his team are always available to provide the required support at very short notice.

Victor

Coogee NSW

“

Terry is very professional and has great communication skills. He is thorough and very easy to understand. I would highly recommend Terry to all my friends and family.

Joanne

Ramsgate NSW

“

Terry and his team are always available to talk to if needed. Terry has great communication skills and always manages to explain things to us in simplified terms. He and his team always make us feel welcome and important. We feel that our retirement will be richer for having approached Terry!

Evan

Kangaroo Point NSW

“

We’ve been clients of Terry for 25+ years, sharing many market ups and downs. He’s always supportive, encouraging, and clear in his expert advice. Terry is accessible, professional, and reassuring, with a friendly and helpful team. We highly recommend Terry and the excellent service he and his staff provide.

Kathy

Pymble NSW

“

Nick was very professional and attentive. He carefully and methodically went through how we could best manage our future and put us at ease. He was honest and didn’t try and overpromise anything. Highly recommend getting in touch with him to see how you can improve your future. Thanks Nick.

Lee

Mascot NSW

“

Terry is always available and offers sound advice. Clearly communicated.

Chris

West Pennant Hills NSW

“

Nick has been fantastic to work with. He's an excellent communicator with expert knowledge. He recently saved me 50% on insurance premiums through detailed analysis and planning, ensuring I had the best cover. He’s dedicated to achieving great outcomes and is a true asset.

George

Kings Langley NSW

“

I found it very easy working with Nick. He demonstrated a strong understanding of personal insurances and provided clear, concise advice. He was very personable, diligent and efficient. I would definitely go back to him for advice in the future and recommend him to others.

Kate

Mosman NSW

“

In the tricky world of finance it’s reassuring to have people you can depend on for sound advice that is tailored to your own personal needs. Terry has always provided honest and well thought out advice I can rely on. I'm proud to call Terry my financial advisor.

Tony

Menai NSW

True wealth is —

built on trust.

Every story starts somewhere. Let’s create yours.