2 Jan 2025
“Luke has been really helpful, considered and very personable in his approach to assisting us with our needs. He was actually recommended by a friend and it is obvious as to why he has built a strong r...”
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Robert Chittick
Google Review
Secure Your Future
Advice for Life's Possibilities
Life is full of choices — and your financial plan should help you embrace them with confidence. From buying your first home to enjoying a stress-free retirement, our advisers work with you to create clear, personalised strategies that fit your goals, lifestyle, and dreams.
Upcoming workshop
Retire Ready Roundtable
Brisbane • Melbourne • Live virtual stream
Learn & Grow
Free workshops to unlock your financial potential
We run regular educational workshops covering retirement planning, investment strategies, and wealth building. Join us for practical insights you can apply immediately—no sales pitch, just genuine knowledge sharing.
Popular topics
Retirement planningInvestment basicsSuper strategiesAge pension
What We Do
Two services. One mission.
Financial advice and accounting working together to build your wealth.
1000+
Clients Advised
12% Avg
Portfolio Growth
Financial Advice
Build wealth, plan retirement, protect what matters. Tailored strategies for every life stage.
Retirement Planning
Strategic plans for your future
Investment Strategy
Grow your wealth smartly
Superannuation Advice
Maximize your super returns
Insurance & Protection
Safeguard what matters most
1000+
Tax Returns Filed
200+
Business Clients
Client Success
Trusted by Australians to build a better future
Real stories from real clients who have taken control of their financial destiny.
29 Dec 2024
“Excellent advice given in terms I could understand with an achievable plan for future me.”
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Tammie Pickard
Google Review
01 Dec 2024
“Very helpful and knowledgeable advisers, would highly recommend their team.”
S
Stephanie G
Google Review
01 Dec 2024
“On recommendation from a business contact of ours we contacted What If Advice to help us with a business and personal life financial plan for our super and insurances. Ben and Leigh present as, and ha...”
J
Jiggles Jangles
Google Review
01 Dec 2024
“I have recently met with Ben and Leigh to discuss financial strategy personally and for my business. They are both very personable and genuine guys and I felt throughout the sessions that without a do...”
M
Melissa Moore
Google Review
29 Nov 2024
“I had the pleasure of having Ben Collin's as my financial advisor for my business and wow, the support and advice I got really helped the growth and opened my eyes to new and exciting ways to boost my...”
R
Riley Yarnold
Google Review
26 Nov 2024
“What If Advice has been amazing - I had an excellent experience working with Luke especially! Their team is not only highly knowledgeable but also incredibly approachable and patient. They took the ti...”
S
Stephanie Phillips
Google Review
26 Nov 2024
“Meeting with Luke at 'What If' has been a very positive experience. Not only is his advice helpful but he's a pleasure to deal with and communicates information clearly. I highly recommend What If Adv...”
A
Ali Grace
Google Review
26 Nov 2024
“Nice friendly people, very helpful easy to deal with - recommend their service.”
T
Trevor
Google Review
20 Nov 2024
“Professional service from start to finish. The team really understood our family situation and created a plan that works for us.”
M
Michael Chen
Google Review
15 Nov 2024
“Best financial advice I've received. Clear explanations and practical strategies that I can actually implement.”
S
Sarah Johnson
Google Review
10 Nov 2024
“What If Advice helped us navigate a complex inheritance situation. Their expertise and patience made all the difference.”
D
David Smith
Google Review
05 Nov 2024
“I was worried about retirement but the team put together a comprehensive plan that gave me confidence in my future.”
E
Emma Wilson
Google Review
01 Nov 2024
“Great experience with the whole team. They take time to explain everything and make sure you understand your options.”
J
James Anderson
Google Review
28 Oct 2024
“Highly recommend! They helped restructure my business finances and I'm already seeing the benefits.”
L
Lisa Brown
Google Review
Retirement Planning
What if retirement felt curated?
We design retirement strategies that fund everyday rituals and once-in-a-lifetime adventures.
Lifestyle Focus
Funding Your Freedom
Confidence
99%
Feel on track
1
Scenario Modelling
Early retirement, downsizing, travel - we model it all
2
Centrelink & Age Pension
Optimise your benefits and entitlements
3
Legacy Strategies
Gifting and estate planning that feels personal
Latest Insights
Read, learn, and stay informed
Practical financial advice and insights to help you make better decisions.
General
7 min read
Asset protection for business owners: how to legally protect your wealth
Running a business can put your personal wealth at risk. Here’s how Australian business owners can legally improve asset protection using the right structures, clean separation, insurance, and smarter contracts, without relying on loopholes.
Read article
General
7 min read
How super affects the Age Pension: what Centrelink considers
Super can affect your Age Pension differently depending on your age and whether you’re drawing an income stream. Here’s what Centrelink considers under the assets and income tests, plus practical steps to avoid surprises.
Read article
General
8 min read
First home buyer guide (Australia): deposit, grants, and loan options
Buying your first home in Australia can feel like a maze. Here’s a clear guide to deposits, LMI, grants and schemes (subject to current rules), and loan options so you can plan your next step with confidence.
Read article