Partnering with you to make your money work



pwg1Personal Wealth Group is headed by a father and son team who are committed to achieving the best outcome for every one of their clients.

Carl D'Cruz is a director of PWG. He is a certified financial planner, and an Authorised Representative of AMP Financial Planning. Carl has over 30 years experience in the financial planning industry. Carl is a thoughtful, caring and compassionate person, his planning reflects this, and so does the culture here at PWG.

Chris D'Cruz is also a director of PWG. Chris holds a Bachelor of Economics and is a Certified Financial Flanner. Chris has been a financial planner for 12 years as well as being an Authorised Representative of AMP Financial Planning and an accredited Mortgage Consultant. Chris enjoys most sports, spending time with his family and friends, and has a real passion for his work. Chris is definitely a people person and making a difference for clients is what he finds most fulfilling.

Jason Lukjanenko is a financial planner at PWG, an authorised representative of AMP Financial Planning and currently working towards his CFP qualification. Jason has also completed a Bachelor of Business with the University of Technology Sydney and is particularly interested in the area of SMSF's. Jason's emphasis when working with clients is on service delivery and what a difference appropriate financial advice can provide. His interests are in sports (soccer being the pinnacle), meditation, surfing, travelling and generally experiencing what life has to offer.

Zarlasht Ghazanfar (Zaza) has been with PWG for the past three years. She has completed a Bachelor of Business (Accounting) at the University of Western Sydney as well as the Diploma of Financial Planning and will be qualified as an Authorised Representative in the coming year. Zaza is currently the paraplanner for PWG and assists in the construction and implementation of strategies with a determination to help clients achieve their goals. Zaza enjoys watching romantic comedies, spending time with her family, shopping for fine clothes/perfumes and speaks 5 languages.

Glenn Olney works with Carl on the general insurance side of the business as an Authorised Representative of Resilium Pty Ltd. Glenn has an extensive background in banking and senior management positions. Glenn is an active participant in community volunteer work and leads a team of people who assist those in some of Sydney's more disadvantaged areas. He is also a very keen fly fisherman.

Our Solutions

At various times in your life, changing circumstances will affect your financial situation. At such times, appropriate advice is important, such as at the following times:

  • Approaching retirement
  • Staring a Business
  • Making a Career Move
  • Going from 2 Incomes to 1
  • Having a child
  • Wanting to buy your first home
  • About to enter the workforce
  • Recipient of an inheritance or a windfall
  • Separation or divorce
C J D'Cruz Pty Ltd trading as Personal Wealth Group
is an Authorised Representative of AMP Financial Planning Pty Limited
ABN 89 051 208 327 AFS Licence No. 232706
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