“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
Richmond, Melbourne VIC
Serving Melbourne, VIC
Your Challenges
You're worried about running out of money in retirement
You want to maximise your Age Pension entitlements
You're unsure how to draw down on your super efficiently
You want to minimise tax on your retirement income
You're thinking about estate planning and leaving a legacy
You want to understand your investment options in retirement
You're concerned about aged care costs and planning
You want to help your kids or grandkids financially
Our Solutions
Create a sustainable income plan that supports your lifestyle and lasts your lifetime
Optimise your Centrelink entitlements while maintaining financial flexibility
Structure your retirement income to minimise tax and maximise cash flow
Balance growth and security with a portfolio suited to your retirement phase
Protect your legacy and ensure your wealth is distributed according to your wishes
Navigate the complexities of aged care costs and funding options
Book Your Consultation
15 minutes · No obligation
A quick conversation to explore how we can help you achieve your financial goals.
90 minutes · Comprehensive
In-depth financial review with personalized strategies and actionable recommendations.
Fill out the form and our team will contact you within 24 hours
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