Growing the wealth
For professionals, executives and business owners in their earning years. Investment strategy, tax-effective structuring, super, insurance and cash flow — built to compound while life is busy.
Private wealth advice for Australians who'd rather build wealth than read about it. Strategy-first. Plainly delivered. Built around you.
The financial advice industry has spent fifty years making money more complicated than it needs to be. Layers of products. Jargon designed to make you feel out of your depth. Strategies sold as solutions before anyone asked what the problem actually was.
We built Pure because we wanted to do this differently. We work with Australians who've put real effort into their careers, their businesses, and their families — and who deserve advice that respects all of it. Not a script. Not a product pitch. A strategy.
What that looks like in practice: a written plan you'll actually understand. A team that picks up the phone. Awards we've earned by doing the work properly. And the kind of partnership that gets better, not heavier, over time.
— Dee & Stefano
They're the reason clients hire us. And the reason some don't.
Most financial advisers earn their living selling you something — a product, a platform, an insurance policy. We don't. We build a strategy first, and only then, if a product is genuinely the right tool, we'll tell you which one.
Most of Pure's value happens before a single dollar moves.
Your portfolio should be quiet, predictable, and working in the background. The drama belongs in your life — your work, your travel, your family, what you're building. We design the financial side around the life, not the other way around.
The goal isn't a number. It's the optionality the number gives you.
We do one thing, and we do it properly: personal financial advice. Not products. Not accounting. Not mortgage broking — we work alongside those specialists when your situation calls for it. What changes isn't the discipline. It's the stage of life we shape it around — and we update the strategy as that stage changes.
One relationship · every stage
For professionals, executives and business owners in their earning years. Investment strategy, tax-effective structuring, super, insurance and cash flow — built to compound while life is busy.
For pre-retirees moving from earning to drawing. We model the change properly — contributions, structure, timing and risk — so retirement becomes a decision, not a leap.
For retirees who want reliable income, tax they control, and a drawdown plan that flexes with life. We model the next 25 years — not just the first — and review it every year.
Whatever stage you're in, the work spans every decision that shapes your wealth — drawn together into one strategy, and reviewed as life changes.
Working with a financial adviser shouldn't feel like a quarterly tax appointment. It should feel like a useful conversation with someone who genuinely cares whether you build the life you're working toward.
We pick up the phone. We answer your questions in plain English. We tell you when we don't know something. And when you make a big call — buying the house, taking the leap, selling the business — we're the call you make first, not the call you make after.
Considered commentary from the Pure desk — markets, legislation, and the decisions that actually move the needle. Updated regularly.
Financial Digest is our quarterly publication — original essays, a photo essay, founder interviews and the companion podcast. Considered writing on how wealth actually works, from the team at Pure.
Strategic personal financial advice across the decisions that move the needle — wealth, tax, super, retirement, risk, and the structures that hold it all together. We don't sell products. We design plans. And where you need an accountant, mortgage broker or estate lawyer, we work alongside a trusted network of partners we've built relationships with over the years.
Households and individuals with serious assets, multiple income sources, or competing priorities — where one decision affects five other things and a generic plan won't hold.
We build the plan as a working document, not a binder. It flexes as your life and the rules change — and every recommendation traces back to a goal you've actually told us matters.
Investors who've outgrown a one-size-fits-all platform — accumulators building wealth, business owners with surplus capital, and families coordinating investments across multiple structures.
We construct portfolios that suit you — not the average client. Tax position, time horizon, behaviour under volatility, and the role each asset plays in the wider plan all shape what you actually hold.
Higher-income earners maximising contributions, pre-retirees coordinating multiple super accounts, and clients weighing whether an SMSF actually suits their situation — or whether it's overkill.
Super is one of the most powerful — and most rule-bound — structures in the system. We treat it as a strategic vehicle, not a default. Long-game thinking, not last-minute moves at EOFY.
Pre-retirees within 5–10 years of stopping work, retirees managing drawdown across multiple accounts, and couples coordinating two retirement timelines that don't always line up.
Retirement isn't a single date — it's a 30-year drawdown problem with tax, longevity and lifestyle variables all moving at once. We model it, stress-test it, and revisit it annually so the plan keeps fitting reality.
Anyone whose household depends on their income or assets — sole earners, business owners with key-person exposure, and families with mortgages, dependants, or both.
Most people are either over-insured on the wrong cover, or under-insured on the right one. We size cover to your actual exposure, hold it the right way for tax, and review it as your situation changes.
High-income earners, investors with significant unrealised gains, pre-retirees managing the transition into pension phase, and families whose tax position is genuinely complex — not just "I want to pay less."
We're financial advisers — not accountants. We design the tax-effective strategies that sit inside your financial plan: structuring, timing, sequencing. Your accountant handles the lodgement and technical tax work, and we work together so the strategy actually gets implemented properly.
Anyone with assets across multiple structures, blended families, business owners with succession questions, and clients whose existing will hasn't been touched in a decade.
Estate planning fails at the joins — between super, insurance, trusts, and the will itself. We make sure the joins line up, working alongside your lawyer so nothing falls through the gap.
Households and professionals with strong income who want real control over their cash flow — and a clear plan to get debt down.
Cash flow is the engine of every other strategy. We make it visible and intentional — so your surplus goes somewhere purposeful and debt is paid down in a sensible order. We don't arrange finance or provide credit advice; for loans, refinancing and lending decisions we refer you to a trusted mortgage broker.
Affluent families thinking about how wealth moves between generations — adult children receiving inheritances, parents planning gifts and bequests, and clients who want their estate plan to reflect their values, not just their tax position.
The wealthiest families plan in decades, not years. We help you think about what gets passed on, how it gets passed on, and whether the next generation is set up to steward it well — working alongside your lawyer and accountant.
Business owners planning an exit or transition, and families thinking a generation ahead about how wealth and responsibility pass on.
Succession works best planned years out, not in a rush. We coordinate the financial side with your accountant and lawyer so the handover protects both the asset and the relationships around it.
Tap through each stage to see exactly what working with us looks like — from the first conversation to the relationship that carries on long after the plan is written.
A complimentary first conversation. We learn about your life, your goals and what's prompting you to seek advice — and you learn how we work and whether we're the right fit. No pitch, no obligation.
What you walk away withA clear sense of how we'd approach your situation — and whether we're right for each other.
We map the detail properly — income, superannuation, investments, debts, structures, insurances, dependants and ambitions. Advice is only as good as the picture it's built on, so we take the time to get it right.
What you walk away withA complete, organised view of exactly where you stand today.
We design the plan — modelling scenarios, weighing alternatives and stress-testing the approach. This is where the real value is created, long before any product enters the conversation.
What you walk away withA strategy built around your life — not pulled off a product shelf.
Your strategy becomes a written Statement of Advice, and we walk you through every part of it in plain language. Questions are welcome — you should understand not just what we recommend, but why.
What you walk away withComplete clarity on what we're doing, why, and what it means for you.
We put the plan to work — accounts established, structures set up, recommendations implemented — and we stay close through the first stretch as everything takes effect. The strategy stops being paper and starts being real.
What you walk away withA plan that's live and working in the real world.
From here, we stay. Reviews that adapt as life changes, proactive updates when something matters to you, and direct access to your adviser — not a call centre. The plan was the starting point; this is the part that compounds.
What you walk away withAn adviser who knows your situation, for the long run.
See everything ongoing includes →Anyone can write a financial plan. What most advisers don't do is stay. We build long-term relationships with our clients — through life stages, market cycles, major decisions, and everything in between. The plan is just the starting point.
The most touch points — building the foundations and putting the strategy to work.
Communication never stops. The meeting rhythm adapts as your plan settles and life moves.
Direct access to your adviser — the person who knows your situation, not a call centre.
You deal with your adviser directly — not a junior, not a call centre. When something happens in your life or the market, you call or email and get a personal response.
A real person who already knows your situation — reachable when it actually counts.
Structured meetings that adapt to your needs — more frequent in the early stages, moving to bi-annual or annual as the relationship matures and your plan stabilises.
Regular check-ins that keep your plan in step with your life, not gathering dust.
Ongoing oversight of your investments, super and insurance. We watch so you don't have to — and we flag anything that needs attention before it becomes a problem.
Issues caught early — before they quietly cost you.
Budget updates, regulatory changes, contribution windows, market movements — we reach out when something matters to your situation. You won't have to chase us.
You hear from us first, while there's still time to act.
Life doesn't wait for your annual review. Job offer, redundancy, inheritance, property deal — we're there when you need a sounding board or a quick decision reviewed.
A trusted second opinion on hand for life's big financial calls.
As your circumstances change, your advice is updated — new Statements of Advice, Records of Advice, and implementation steps when your strategy evolves.
Advice that evolves with you — never quietly out of date.
We don't lead with awards. But when the industry's own panels keep nominating the work — year after year, across multiple categories — it's worth noting.
Real reviews, in their own words. Shared with consent.
"Choosing Pure Private Wealth has been a decision I'm truly happy with. Stefano stands out as a highly educated and seasoned professional. His open and amiable demeanor makes conversations effortless and has significantly simplified the intricacies of financial management for me."
"I found Stefano to be very professional and engaging. I feel very relaxed and confident with moving on to financially higher things. I feel my needs were very much met and understood."
"Overall the meeting was very good. Stef cleared up a couple of things I was worried about and gave me great advice. Very happy, keep up the good work thank you Baz."
"Stefano has put us on track to reach our goals. Questions answered and moving forward. Thank you so much."
"Very knowledgeable as always."
"Stefano was great to talk to and listened to the answers to the questions he asked. Very concise with the advice and answered all my questions."
"It was very reassuring."
"Great communication. Thorough and clear discussions with clear baseline progression to set up financial goals."
"On the ball as usual. Great as usual."
Reviews shared with client consent. Individual results reflect personal circumstances and are not a guarantee of future outcomes.
Thirty minutes. No pitch. No pressure. We'll learn about you. You'll learn whether we're the right fit. If we are, we'll tell you what the next step looks like. If we're not, we'll tell you that too.
Pure Private Wealth is based in Northern New South Wales — and we advise clients in every state and territory. Whether you're in a capital city, a regional centre, or somewhere quieter, we work the way you prefer: in person where it makes sense, and via secure video and phone where it doesn't. Our licensee, Bluewater Financial Advisors (AFSL 411846), is based in Sydney, NSW.
Where we are: Northern NSW · Where we work: Australia-wide, including remote and regional clients.
Pure Private Wealth (ABN 90 723 255 795) ("we", "us", "our") is committed to protecting the privacy of your personal information. This Privacy Policy explains how we collect, hold, use, disclose and protect your personal information in accordance with the Privacy Act 1988 (Cth) (Privacy Act) and the Australian Privacy Principles (APPs). It applies to your dealings with us and your use of this website.
Depending on the products and services you seek, we may collect: your name, contact details and date of birth; identification details; occupation and employment details; financial information (including income, assets, liabilities, superannuation, investments and insurance); tax file numbers; details of your dependants and beneficiaries; and, where relevant to insurance advice, health information. Health and other sensitive information is collected only with your consent and only for the purpose for which it is provided.
We generally collect personal information directly from you — through enquiry forms and bookings on this website, fact-find documents, meetings, and application forms. With your consent, or where reasonably necessary, we may also collect information from third parties such as product and platform providers, your accountant or solicitor, insurers and medical practitioners. If you do not provide the information we request, we may be unable to provide you with the relevant product, service or advice.
We use personal information to: provide financial advice and services and prepare your Statement of Advice; establish, implement and manage your investments, superannuation and insurance; meet our regulatory, legislative and licensee obligations; communicate with you and respond to your requests; and, where permitted, to tell you about products and services that may interest you (you can opt out of marketing at any time).
We may disclose your personal information to: product, platform and insurance providers in order to implement your instructions; your other professional advisers (such as your accountant or solicitor) with your consent; our licensee, Bluewater Financial Advisors (AFSL 411846); external service providers who assist us to operate (under confidentiality arrangements); and regulators, courts or government authorities where required or authorised by law. We do not sell your personal information.
We generally store and process personal information in Australia. Where a service provider we use is located overseas, we take reasonable steps to ensure your information is handled consistently with the APPs. We will inform you if your information is likely to be disclosed to overseas recipients and, where practicable, the countries involved.
We collect tax file numbers only where required to provide certain products or services (for example, superannuation and managed investments), and we handle them in accordance with the Privacy Act and the Tax File Number Rule.
We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification or disclosure — including password protection, access controls and secure systems. No transmission of information over the internet can be guaranteed as completely secure, and you transmit information to us at your own risk.
We retain personal information only for as long as it is needed for the purposes described above or as required by law. Financial advice records are generally required to be retained for at least seven years under the Corporations Act. When no longer required, information is securely destroyed or de-identified.
This website may use cookies to support functionality and understand how the site is used. You can disable cookies through your browser settings, though some features may not function as intended.
You may request access to the personal information we hold about you, and ask us to correct it if it is inaccurate, incomplete or out of date, by contacting our Privacy Officer below. We will respond within a reasonable period (generally within 30 days). In limited circumstances we may decline a request as permitted by law, in which case we will explain why.
If you believe we have breached the APPs or mishandled your personal information, please contact our Privacy Officer. We will acknowledge your complaint and aim to resolve it within 45 days. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or on 1300 363 992.
Name: Stefano Duro
Phone: 1300 226 607
Email: Team@pureprivatewealth.com.au
Post: PO Box 24, Pottsville NSW 2489
We may update this Privacy Policy from time to time. The current version will always be available on this website, and we encourage you to review it periodically.
These terms and conditions ("Terms") govern your access to and use of this website and any general information made available through it. By using this website you agree to be bound by these Terms. Pure Private Wealth (ABN 90 723 255 795) is a Corporate Authorised Representative (CAR 1256525) of Bluewater Financial Advisors Pty Ltd (ABN 99 153 118 533, AFSL 411846).
The information on this website is general and factual in nature only. It has been prepared without taking into account your objectives, financial situation or needs, and does not constitute personal financial advice, a recommendation, or an offer to acquire any financial product. Before acting on any information, you should consider its appropriateness having regard to your own circumstances, obtain personal advice through a Statement of Advice, and consider any relevant Product Disclosure Statement and Target Market Determination. Personal financial advice is provided only under a written advice agreement and Statement of Advice.
While Pure Private Wealth believes the contents of this website are based on information that is reliable, its accuracy and completeness are not guaranteed and no warranty of accuracy or reliability is given or implied. To the maximum extent permitted by law, we accept no responsibility for any loss or damage arising in any way from any error, omission, representation, act or reliance on the contents of this website.
Past performance is not a reliable indicator of future performance. Any examples, scenarios, projections or modelling shown are illustrative only, are based on assumptions that may not eventuate, and are not a forecast or guarantee of any particular outcome or return.
Investing involves risk, and the value of investments may rise or fall. Pure Private Wealth does not guarantee the performance of any investment, strategy or financial product, the repayment of capital, or any particular rate of return.
Where you engage us, you agree to provide accurate, complete and up-to-date information about your circumstances, objectives and risk tolerance. You acknowledge that the suitability of any advice depends on the accuracy and completeness of the information you provide.
All content on this website — including text, graphics, logos, brand marks, images, layout and design — is owned by or licensed to Pure Private Wealth and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify or commercially exploit any part of it without our prior written consent.
This website may contain links to third-party websites and resources. We provide these for convenience only and do not control, endorse or accept responsibility for the content, accuracy, products or services of any third-party site.
To the maximum extent permitted by law, Pure Private Wealth and its directors, advisers, employees and agents exclude all liability for any loss or damage (including indirect, incidental, special or consequential loss, and loss of profits or data) arising out of or in connection with your use of, or reliance on, this website, whether in contract, tort (including negligence), statute or otherwise.
Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy conferred on you by the Australian Securities and Investments Commission Act 2001, the Corporations Act 2001, the Competition and Consumer Act 2010 (including the Australian Consumer Law) or any other law that cannot lawfully be excluded. Where our liability for breach of such a non-excludable guarantee cannot be excluded but can be limited, our liability is limited, at our option, to re-supplying the relevant services or paying the cost of having them re-supplied.
To the extent permitted by law, you agree to indemnify Pure Private Wealth against any loss, claim or liability arising from your breach of these Terms, your misuse of this website, or your provision of inaccurate or incomplete information — except to the extent that loss is caused by our own negligence, fraud or breach of law.
We handle personal information in accordance with our Privacy Policy and the Privacy Act 1988 (Cth).
We are not liable for any failure or delay in performing our obligations where that failure or delay results from events beyond our reasonable control.
We may update these Terms at any time by posting the revised version on this website; your continued use constitutes acceptance. If any provision is found to be invalid or unenforceable, it is severed and the remaining provisions continue in force. We may assign our rights under these Terms; you may not do so without our written consent.
These Terms are governed by the laws of New South Wales, Australia, and you submit to the non-exclusive jurisdiction of the courts of that State.
We understand that circumstances change. These policies set out how you can cancel our advice or ongoing services, and the fees that may apply. Nothing in these policies limits any rights you have under the Australian Consumer Law or other laws that cannot be excluded.
To cancel, contact us in writing by email or phone and our team will guide you through the process. Any refund due will be processed in accordance with our payment terms. If you would prefer to vary your services rather than cancel entirely, please contact us and we will work with you to accommodate your needs.
You may cancel your ongoing service or management fees at any time by notifying us in writing. Fees will be discontinued within a reasonable period of receiving your request. Fees for services already provided, and for the period up to the effective date of cancellation, remain payable. Any refund due will be processed in accordance with our payment terms.
For any questions about these policies, contact us at admin@pureprivatewealth.com.au or on 0483 937 337. These policies are subject to change; please review them periodically for updates.
We're committed to providing high-quality advice and a high standard of service. If something isn't right, we want to know about it — and we'll work to resolve your concern promptly, fairly and free of charge.
Please contact us first so we have the opportunity to put things right:
Email: admin@pureprivatewealth.com.au
Phone: 0483 937 337
Post: PO Box 24, Pottsville NSW 2489
We will acknowledge your complaint promptly and aim to provide a written response within 30 calendar days, in line with ASIC Regulatory Guide 271. Pure Private Wealth is a Corporate Authorised Representative of Bluewater Financial Advisors (AFSL 411846), and your complaint may also be handled through the licensee's internal dispute resolution process.
If you are not satisfied with our response, or your complaint is not resolved within 30 days, you can refer it to the Australian Financial Complaints Authority (AFCA). AFCA provides a free, independent dispute resolution service to consumers. Time limits may apply to lodging a complaint with AFCA, so you should act promptly.
Australian Financial Complaints Authority
Phone: 1800 931 678 (free call)
Email: info@afca.org.au
Online: www.afca.org.au
Post: GPO Box 3, Melbourne VIC 3001
Complaints relating specifically to the handling of your personal information are dealt with under our Privacy Policy and may be referred to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or on 1300 363 992.