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About us

We are UNLESS Financial.

We exist to help you make financial decisions that grow your wealth and shape the world, for the better. Our team of expert financial advisers can help you harness your capital to build a future you can be proud of – one that drives climate solutions, social justice, and lasting change.

We have an opportunity now to shift capital towards real-world impact. That’s why we’re creating a new approach to financial advice – removing barriers, challenging outdated thinking, and helping Australians put their money where it matters. Because what we do now will define the future.

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Justin Medcalf

Meet your adviser

What brought you into financial advice?

I’ve always believed money should be a force for good. After seeing how disconnected traditional finance was from the world I wanted to live in, I knew I wanted to change that.

What’s one thing clients often say after working with you?

That they feel seen — like their values finally have a seat at the financial table.

What’s your approach to advice?

Listen deeply. Build trust. And help people move from complexity to clarity — all while staying grounded in what they care about most.

What kind of clients do you love working with?

People who want to be thoughtful with their choices — whether it’s families planning for the future or NGOs aligning capital with mission.

What experience do you bring to the table?

Two decades in ethical finance, including time at Ethinvest and as a board member of RIAA. I’ve co-founded industry platforms, built tools for responsible investing, and led initiatives across climate, community, and sustainability.

What can I expect if we work together?

Down-to-earth conversations, big-picture thinking, and advice that respects both your head and your heart.

What’s one thing you care an awful lot about?

As the Lorax says, “Unless someone like you cares a whole awful lot, nothing is going to get better. It’s not.”

I care deeply about building a future my kids — and all kids — can thrive in. That means redirecting capital toward climate, community, and justice.

Meet your adviser

Dave Rae

A smiling man in a dark suit and light checked shirt standing in front of a blurry map background.

What brought you into financial advice?

I’ve always wanted to help people feel confident with money — and when I discovered how investing could also shape a better world, I was all in.

What’s one thing clients often say after working with you?

That they feel empowered. That they finally understand how their money can reflect their values and grow.

What’s your approach to advice?

I bring structure and strategy — but always in a way that’s clear, calm, and built around what’s meaningful to you.

What kind of clients do you love working with?

People who care about doing good — but want to do it intelligently. Individuals, couples, foundations... anyone wanting to turn intention into action.

What experience do you bring to the table?

Over 20 years in financial planning, recognition as one of Australia’s top responsible advisers, and deep expertise in impact investing and portfolio construction.