For Senior Executives Looking to Retire Early
Strategic Financial Planning That Builds Wealth, Reduces Tax & Accelerates Retirement
Tailored financial advice that helps you escape the grind, debt recycle, optimise your investments and have a clear pathway to 10-20k a month in sustainable income.
Take our 2 minute survey to receive a personalised report about your retirement ready score.
Are you 5 – 15 years away from retirement and wondering…
I make great money… but I have no idea when I can actually stop working?
How do I make the most of my RSUs, bonuses, and equity without giving half to the tax office?
How do I pay less tax and keep more of what I earn?
What should I do with my money right now to set up the next 10+ years?
What if my kids can’t get ahead, and I can’t help them?
How can I enjoy today and leave a legacy for the future?
What do I need to do with my money today to achieve my financial goals
Implement the 1PMP in your Business Who We Help (And How We Change Their Financial Future)
Tech Executives & Sales Leaders (Earning $400K–$1M+)
Escape the high-income treadmill. Build a path to early retirement.
You’re making serious money, but between tax, RSUs, a mortgage, and a busy life — it still feels like you’re not ahead.
- Turn equity comp into reliable passive income
- Optimise your tax position with smart structures
- Build a clear retirement timeline (without waiting until 65)
Feel confident knowing every dollar is working toward your freedom.
50+ Professionals Planning for Retirement
Time is running out to get it right. Let’s make the next decade count.
You’ve built wealth, but you’re unsure: “Do I have enough?” “Will it last?”
- Maximise your super (while you still can)
- Reduce tax and simplify your financial life
- Create a sustainable income plan for the next 30+ years
Replace guesswork with a plan you can trust.
60+ Pre-Retirees Seeking Certainty & Peace of Mind
You’re nearing retirement. Now’s the time to get everything in place.
You’ve worked hard, built wealth — but you’re not sure if it’s enough, or if it’s set up the right way.
- Convert your nest egg into reliable income
- Lock in tax-efficient strategies before retirement
- Simplify your finances so you can retire with confidence
👉 Retire on your terms, knowing everything is structured for the decades ahead.
Why Work With Us
Tailored Financial Roadmaps
We don’t do cookie-cutter. Every plan is custom-built around your income, investments, super, and lifestyle goals.
We Act as Your Personal CFO
You’re busy. You don’t need another to-do list—you need someone who can think strategically, simplify complexity, and help you make smart financial decisions with confidence.
Specialist Knowledge of Equity Compensation
We’re one of the few Australian advisory firms that deeply understand how to optimise RSUs, ESPPs, and company shares.
Proactive Tax Minimisation Strategies
Most advisers only talk about investments. We focus on the whole picture— how to strategically minimise your tax, boost super and build wealth.
Proven Results, Real Stories
Over 250+ early retirement strategies delivered. 4.9-star Google rating. 75+ LinkedIn recommendations.
Our Care Factor
We are a family owned family run business, we treat the people we help like family. We understand and anticipate the impact your financial decisions will have on your family and your life.
The 6 Stages of Your Delta Financial Journey (What you can expect from us in the first 100 days)
As featured in
Delta Financial Group is often featured in the news as it continues deliver quality retirement planning advice to Australians.
Why Work With Us
We specialise in helping high-income professionals—particularly those in the tech sector—retire early with clarity, control, and confidence. Our founder, Mike Sikar, brings 27+ years of experience in financial planning and stockbroking, with deep expertise in turning complex remuneration structures (like RSUs, stock options, and bonuses) into $10K–$20K/month in passive retirement income.
✅ Tailored Early Retirement Roadmaps
We don’t do cookie-cutter. Every plan is custom-built around your income, investments, super, and lifestyle goals—so you can accelerate your path to retirement without compromising your lifestyle today.
✅ We Act as Your Personal CFO
You’re busy. You don’t need another to-do list—you need someone who can think strategically, simplify complexity, and help you make sart financial decisions with confidence. That’s where we come in.
✅ Specialist Knowledge of Equity Compensation
We’re one of the few Australian advisory firms that deeply understand how to optimise RSUs, ESPPs, and company shares. We’ve helped clients turn shares into sustainable income and reduce six-figure tax bills in the process.
✅ Proactive Tax Minimisation Strategies
Most advisers only talk about investments. We focus on the whole picture—including how to legally and strategically minimise your tax, boost your super contributions, and build wealth faster.
✅ Proven Results, Real Stories
Over 250+ early retirement strategies delivered. 4.9-star Google rating. 75+ LinkedIn recommendations. And countless clients who now have clarity, confidence, and a concrete plan for financial independence.
If you’re a professional earning $300K–$1M+ and wondering how much longer you need to work, you’re in the right place.
Luke and Chanine
A personalised, tax-efficient plan designed for senior professionals to finally get clarity on your financial future.
- A step-by-step plan to generate $10K–$20K/month in passive income
- How to manage your RSUs, super and investments
- Avoid costly tax mistakes or missed opportunities
Mike Sikar
Founder of Delta Financial Group | Financial Adviser | Early Retirement Strategist
Life is unpredictable. Planning for it shouldn’t be.
That’s been my philosophy ever since I saw the financial stress my parents went through growing up. They worked hard their entire lives but didn’t get the financial guidance they needed – that experience lit a fire inside of me.
I’m 47, based in Sydney’s Eastern Suburbs, and a proud dad of two energetic kids (ages 5 and 9). For over 27 years, I’ve been helping high-income professionals take control of their financial future — and retire earlier than they thought possible.
Major achievements?
- 250+ personalised retirement plans delivered
- 150+ 5-star Google and LinkedIn reviews from clients who’ve achieved real results
- 27+ years deep understanding of equity comp, cash flow, and retirement strategy
- Recently featured in the AFR on RSUs and equity compensation
If you’re wondering, “When can I actually stop working — and how do I make it happen?”
Let’s talk.
How we can help you
We help you build a roadmap to reach your goals and achieve what is most important to you.
Financial Advisor
Design a blueprint that prioritises what matters to you the most.
Superannuation Advice
Retire in comfort earlier by making the most out of your retirement savings.
Wealth Management
Develop an investment strategy that suits your risk tolerance and retirement needs.
Debt Recycling
Take control of your debt while still enjoying your current lifestyle
Tax Planning
Increase your overall wealth by saving significant amounts of taxes.
Process For Working With Us
The 6 Stages of Your Delta Financial Journey
What you can expect from us in the first 100 days
Let’s see what’s possible for your future
We start with a quick 15-minute call to understand your goals, pain points, and what’s holding you back from retiring sooner. If there’s a fit, we’ll invite you to the next step.
Unpack your full financial picture — and identify what’s working and what’s not
In this deep-dive session, we analyse your income, super, shares (including RSUs), investments, and property. You’ll gain clarity on your current position and what’s needed to hit your retirement target.
Discover how to reduce tax, grow wealth, and build sustainable income
Here we explore powerful strategies tailored to your situation — from tax minimisation to wealth structuring — and show you how your money can work harder, not just sit idle.
Your personalised Roadmap, revealed
We walk you through your complete, step-by-step plan to generate $10K–$20K/month in retirement income. Everything is tailored to your goals, with clear actions and timelines
From plan to execution — with expert guidance every step of the way
We take care of the setup and ongoing strategy: investments, tax structures, super optimisation, estate planning, and income tracking. You’ll never feel like you’re doing it alone.
Life changes – Reviews, Adjustments, monitoring, retirement income tracking
Technology Executive Case Study
Delta Financial Group helped Jeff & Sam with a plan to retire in 10 years with a retirement income of $150,000 per year indexed to inflation.
We helped them understand the importance of diversification and the benefits of the superannuation and pension environments to provide a tax-effective income when they choose to stop working
By discussing their objectives in detail and modelling the future outcomes, Jeff and Sam had a clearly defined retirement goal and roadmap to get them there.
