“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...”
Robert Chittick

Secure Your Future
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
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
What We Do
Financial advice and accounting working together to build your wealth.

Build wealth, plan retirement, protect what matters. Tailored strategies for every life stage.
Build the future you’re looking forward to.
Make your money work harder for you.
Get the most out of your savings.
Keep your paycheck safe, no matter what.
Client Success
Real stories from real clients who have taken control of their financial destiny.
“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...”
Robert Chittick
“Excellent advice given in terms I could understand with an achievable plan for future me.”
Tammie Pickard
“Very helpful and knowledgeable advisers, would highly recommend their team.”
Stephanie G
“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...”
Jiggles Jangles
“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...”
Melissa Moore
“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...”
Riley Yarnold
“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...”
Stephanie Phillips
“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...”
Ali Grace
“Nice friendly people, very helpful easy to deal with - recommend their service.”
Trevor
“Professional service from start to finish. The team really understood our family situation and created a plan that works for us.”
Michael Chen
“Best financial advice I've received. Clear explanations and practical strategies that I can actually implement.”
Sarah Johnson
“What If Advice helped us navigate a complex inheritance situation. Their expertise and patience made all the difference.”
David Smith
“I was worried about retirement but the team put together a comprehensive plan that gave me confidence in my future.”
Emma Wilson
“Great experience with the whole team. They take time to explain everything and make sure you understand your options.”
James Anderson
“Highly recommend! They helped restructure my business finances and I'm already seeing the benefits.”
Lisa Brown
Retirement Planning
We design retirement strategies that fund everyday rituals and once-in-a-lifetime adventures.

Lifestyle Focus
Confidence
Feel on track
Early retirement, downsizing, travel - we model it all
Optimise your benefits and entitlements
Gifting and estate planning that feels personal
Latest Insights
Practical financial advice and insights to help you make better decisions.

For couples, structuring super correctly in retirement can significantly impact tax, Age Pension eligibility and long-term sustainability. This guide explains how Australian couples can balance super accounts, manage pension caps and optimise income streams. Practical, strategic and aligned with current ATO and Services Australia rules.

Retiring with a mortgage can significantly increase financial pressure. This guide explains whether Australians should prioritise paying off their home loan before retirement, or invest instead. Clear comparisons, practical scenarios and strategy insights included.

Compare Growth, Balanced and Conservative super investment options in Australia. Understand risk levels, return potential and how to choose the right strategy based on your time horizon and retirement goals.