Retirement, superannuation and wealth strategies for people in the Bega Valley and Far South Coast — from an adviser who lives here too.
Boutique Far South Coast practice backed by Morningstar’s global research platform
Typically professionals, business owners and pre-retirees who have spent decades building their wealth — and want an adviser who treats it with the same care they did.
You know the region, you love what you’ve built here, and you want a financial plan that reflects the life you’ve actually chosen — not a generic city template.
Sydney, Melbourne or Canberra is calling time. The Far South Coast is calling you. The best time to find a local financial planner at your destination is before you arrive.
Many of our clients who have moved away from the region continue to work with us remotely via Microsoft Teams. Distance isn’t a barrier to great advice.
The financial side of a sea-change is more complex than most people expect. There are decisions to make about your city property, your superannuation, your income structure — and how you fund the life you’re moving toward.
City property decisions — sell, keep, or leverage? We help you structure this before you move.
Superannuation and income planning — so your transition is funded and your retirement income is structured from day one.
We know the Far South Coast. We live here. We understand what it actually costs — and takes — to retire well in this region.
We work with city-based clients via video call through the entire planning and transition process — so everything is in place before you arrive.
We offer whole-of-wealth advice only — because your financial life doesn’t exist in silos, and neither should your strategy.
Contributions, consolidation, transition to retirement and pension phase — maximising what you’ve built inside super and making sure it flows efficiently.
EnquireMorningstar-powered SMA portfolios with institutional-grade research — diversified, evidence-based and built to your risk profile and time horizon.
EnquireProtecting your income, lifestyle and family from the unexpected — without over-insuring. Risk advice that’s proportionate and genuinely in your interest.
EnquireEnsuring your assets go where you intend — coordinating with your accountant and solicitor to protect what you’ve built and the people you love.
EnquireSMSF, trusts, investment structures — building a framework that protects and grows your wealth across generations, with advice that’s written down and clearly explained.
EnquireIndigo was built on a single conviction: the best financial advice starts with understanding the full picture of your life.
No junior advisers, no handoffs. Over 25 years of experience, personally managing every client relationship.
We advise across your entire financial world — never in isolation, never just one piece of the puzzle.
Formal written advice for every recommendation — so you know exactly what we’re suggesting and why, with full fee disclosure.
As an Accredited Behavioural Finance Professional, Dean helps you make decisions grounded in logic — not fear or market noise.
“The best financial plan isn’t the most complicated one — it’s the one you can actually live by.”
— Dean Denaro, Senior Financial Planner, Indigo Financial Planning
25+Years
Dean DenaroSenior Financial Planner · Founder · AR 000339627
Dean Denaro has spent over 25 years in financial planning — building a career defined by deep technical expertise, genuine client relationships and an unwavering commitment to advice that genuinely serves the people receiving it.
Based in Merimbula on the Far South Coast, Dean founded Indigo Financial Planning to bring institutional-quality wealth advice to a region that deserves it. He works personally with every client — there are no handoffs, no junior staff, no call centres.
“I built Indigo for clients who want an adviser who’s genuinely invested in their outcome — not their transaction.”
Post Grad Dip. Financial Planning
Adv. Dip. Financial Planning
CRPC®
Accredited Behavioural Finance Professional
Morningstar SMA Specialist
Deep, considered and unhurried, indigo sits between the calm reliability of blue and the intuition of violet. It is the colour of structure, of clear thinking, and of advice given with sincerity and purpose.
We chose it because it reflects how we work — and how we believe financial advice should always be given.
★
1985
Commonwealth Bank
Joined the Commonwealth Bank — progressing through all roles including management before transitioning into financial planning
★
1999
Commonwealth Financial Planning
Commenced financial planning with Commonwealth Financial Planning — dedicated entirely to advice
★
2008
Self-Employed — Pathways
Went self-employed under Commonwealth Financial Planning’s Pathways programme — remaining licensed within the CBA group
★
Dec 2019
Indigo Financial Planning
Left the CBA group to establish Indigo Financial Planning — commencing with Alliance Wealth (Centrepoint) as licensee
★
2025
CRPC® & Behavioural Finance
Completed both the Chartered Retirement Planning Counsellor (CRPC®) and Accredited Behavioural Finance Professional designations
★
Today
Morningstar OCIO
Indigo Balanced & Growth portfolios launched — Morningstar as OCIO on the IconiQ platform
An initial paid consultation to understand your situation, goals and whether Indigo is the right fit for you.
We build the complete picture — super, investments, income, debts, insurance, estate wishes and your retirement goals.
A detailed, personalised roadmap with every recommendation explained clearly — with full fee disclosure, in writing.
Regular reviews, proactive strategy updates and a direct line to Dean — your adviser for the long term.
⬡ Morningstar Research Partnership
Indigo Financial Planning uses Separately Managed Account (SMA) structures for eligible clients. We use Morningstar SMAs which are included on our Approved Product List (APL), as well as the Indigo Balanced and Indigo Growth portfolios — custom SMAs developed in conjunction with Morningstar, who act as Outsourced Chief Investment Officer (OCIO) maintaining them on an ongoing basis. All SMA recommendations are subject to a thorough suitability assessment and are documented in your Statement of Advice.
Morningstar Balanced, Growth and Real Return — all on our Approved Product List
Custom core-satellite SMAs maintained by Morningstar as OCIO — suitability assessed for each client
Your initial 30-minute consultation is with Dean Denaro. It’s a genuine conversation — not a sales pitch. We’ll find out if we’re the right fit for you and your financial future.
✦ Confidential · Non-refundable · Flexible booking
Tell us a little about your situation and we’ll confirm a time that works for you — in person or via Teams.
Dean isn’t a fly-in adviser who doesn’t know the region. He lives here, coaches here, and is invested in the Far South Coast the same way you are.
Understanding your financial life means understanding where you live — the property market, the lifestyle costs, the opportunities and the trade-offs that are unique to regional coastal NSW. Dean knows this region because it’s home.
Merimbula Grasshoppers FC — Club Treasurer
Active committee member and treasurer of the local football club. Financial stewardship on and off the pitch.
Far South Coast Football — Representative Coach
Coaching representative teams for the Far South Coast Football Association. Giving back to the community he calls home.
Merimbula based, Far South Coast focused
Advice informed by genuine local knowledge — property values, regional lifestyle costs and the sea-change financial picture that only a local adviser truly understands.
2EC Sapphire Coast
Power FM Far South Coast
📍 Far South Coast, NSW
Regular insights on retirement, superannuation and investment — written for
real people, not finance textbooks.
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Read articleWe work with clients who typically have $400,000 or more in investable assets — superannuation, investments, cash or property equity. If you’re not sure whether you qualify, just reach out and we’ll have an honest conversation.
Nothing formal is required for the initial consultation. If you want to come prepared, a rough sense of your super balance, any investment properties, outstanding debts and your current income is a good starting point. We’ll guide the conversation from there.
Absolutely. Many of our clients work with us remotely via Microsoft Teams — including city-based clients planning a sea-change to the Far South Coast, and clients who have moved away but kept Dean as their adviser. Distance is not a barrier.
We typically have availability for an initial consultation within 1–2 weeks. Book online or call 0405 134 748 and we’ll find a time that works for you — in person in Merimbula or via Teams.
A Statement of Advice (SOA) is a formal written document that sets out every recommendation we make for you — with a full explanation of our reasoning, the risks involved and a complete disclosure of all fees. You receive this before any action is taken on your behalf.
The initial 30-minute consultation is $125, paid at booking and non-refundable. Ongoing advice fees are discussed transparently during that first meeting and detailed in writing in your Statement of Advice. There are no hidden fees.
Separately Managed Accounts (SMAs) are not suitable for every client. Before making any recommendation, we assess your investment objectives, risk tolerance, time horizon, financial situation and personal needs in full. SMAs are generally considered for clients where the structure provides a meaningful benefit — such as direct ownership of underlying securities, transparency of holdings, and tax efficiency. Where an SMA is not the right fit, we recommend an alternative investment structure. All recommendations — including the reasons for them — are documented in your Statement of Advice.
Each service area on this site links to a dedicated page with a full explanation of how Indigo approaches that service, who it’s designed for, and what the process looks like. These pages are being finalised and will be live when the site launches. In the meantime, if you have a specific question about any service, please contact Dean directly at dean@indigofp.com.au or call 0405 134 748.