Background

Financial Advice for Your Life's Possibilities

Licensed Australian financial advisers helping you navigate retirement, investments, and wealth with confidence. Your goals, your timeline, your plan.

What We Offer

Comprehensive financial services

From retirement planning to wealth management, we provide holistic financial advice tailored to your unique situation.

Retirement Planning

Structure super, tax, and investment income so retirement feels measured and intentional.

  • Superannuation optimization
  • Retirement income strategies
  • Age pension planning
  • Transition to retirement

Investment Strategy

Practical guidance on building portfolios that match timelines, risk tolerance, and goals.

  • Portfolio construction
  • Asset allocation
  • Risk management
  • Regular reviews & rebalancing

Wealth Management

Comprehensive strategies to grow, protect, and transfer your wealth efficiently.

  • Tax-effective investing
  • Estate planning coordination
  • Trust & structure advice
  • Generational wealth transfer

Insurance & Protection

Protect the plan. We unpack personal cover, buy/sell strategies, and safeguarding cashflow.

  • Life & TPD insurance
  • Income protection
  • Trauma insurance
  • Business insurance
Take Action

Ready to transform your financial future?

Our team of ASIC-licensed advisers is ready to help you create a personalized financial strategy. Book your free consultation today.

15min
Free Discovery Call
90min
Strategy Session
24hrs
Average Response Time
ASIC Licensed
No Obligation
Expert Advice
Tailored Strategy

Client Success

Trusted by Australians to build a better future

Real stories from real clients who have taken control of their financial destiny.

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

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.

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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...

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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...

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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...

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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...

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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...

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Ali Grace

Google Review

26 Nov 2024

Nice friendly people, very helpful easy to deal with - recommend their service.

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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.

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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.

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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.

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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.

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James Anderson

Google Review

28 Oct 2024

Highly recommend! They helped restructure my business finances and I'm already seeing the benefits.

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Lisa Brown

Google Review

Common Questions

Your money questions, answered simply

Whether you're figuring out your next investment move or wondering if you're on track, we strip away the noise and give you practical next steps.