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
For families who are time-poor but value-smart
We Understand Your Family’s Financial Pressure
You’re busy, focused on family, and want your finances to work as hard as you do.
These are the real questions families ask us every day:
We keep it organised, compliant, and practical so you can focus on family while your money works harder.
1Challenge
How can I manage my cash flow and feel **in control** of my money?
2Challenge
I barely have **time**—how do I keep finances organized and stress-free?
3Challenge
Now that my kids are growing up, how do I build **long-term security** for them and us?
4Challenge
Should I **buy a home** or focus on **paying off the mortgage faster**?
5Challenge
How can I secure my children’s future—from **private schooling** to their **first property**?
6Challenge
If something unexpected happens, will my family be **financially protected**?
7Challenge
Is there a better way to **reduce my tax** burden without risk?
8Challenge
How can I prepare today to avoid **financial shocks in retirement**?
Our Solutions
How we help
1
1
Maximise your Cashflow
Use your surplus cash in the **right way**
2
2
Property
We can help you buy a home OR pay off your home in **the fastest way**
3
3
Kids
How to **save for their future**, help them **buy their first home**, and **protect** them if something happens to you
4
4
Invest
Invest today to reach your goals of tomorrow
5
5
Protect
Sort out your **Plan B**, like Wills, Guardianship, Insurances
6
6
Tax
Don't pay any **more** tax than you need to
7
7
Retire
Ensure you retire **when you want to**, and **how you want to**
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.”
T
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
