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
Facing a major financial decision?
Big crossroads—home purchase, career change, moving overseas—can feel uncertain.
These are the questions we hear most often:
We give you clear models, funding plans, and risk safeguards so you can move forward confidently.
1Question
How can I be ready to make this big financial commitment?
2Question
Which option will have the greatest long-term impact on my finances?
3Question
How can I afford this change without putting my cash flow under stress?
4Question
How should I structure loans, savings, or investments to support this decision?
5Question
What safeguards can I put in place in case things don’t go as planned?
6Question
Does this choice align with my bigger financial and life goals?
7Question
How can I feel confident that I’m making the right move?
Our Solutions
How we help you make confident choices
1
1
Scenario Planning
Model different options to show financial impact before you commit.
2
2
Cashflow Testing
Ensure your income and expenses comfortably support the change.
3
3
Funding Strategy
Structure loans, savings, or investments in the most effective way.
4
4
Risk Management
Put safeguards in place if things don’t go as planned.
5
5
Goal Alignment
Make sure each choice supports your broader life objectives.
6
6
Peace of Mind
Move forward confidently with an informed, realistic, strategic plan.
Book Your Consultation
Take the first step today
Discovery Chat
Free15 minutes · No obligation
Free
A quick conversation to explore how we can help you achieve your financial goals.
Understand your current situation
Learn about our services
Get your questions answered
Strategy Session
Popular90 minutes · Comprehensive
$500
In-depth financial review with personalized strategies and actionable recommendations.
Complete financial situation analysis
Custom strategy roadmap
Actionable next steps
Priority ongoing support
Do you want us to call you?
Fill out the form and our team will contact you within 24 hours
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.”
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Lisa Brown
Google Review
