There’s no financial or contractual commitment required to begin — we start with a conversation so you can decide if this is the right fit, at your own pace.​
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We work with people from all walks of life — pre-retirees wanting peace of mind, purpose-led professionals ready to invest with integrity, and those looking to align their finances with their values. If you’ve ever thought, “I want to feel good about where my money’s going”, you’re in the right place.

Expect kindness, clarity, and no judgement.​

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We start with a conversation — about your life, your priorities, and what’s on your mind financially. From there, we map out a tailored plan, guide you through each step, and leave space for questions along the way. It’s a relationship, not a transaction — and you’ll never be pressured or rushed.​

We care as much about this as you do.​

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Every investment we recommend is assessed for both financial performance and genuine impact — with clear metrics, transparency, and no greenwashing. We’ll explain what it means in plain terms and share case studies so you can see how your money can support change and build your wealth.​

We’re 100% independent — and proud of it.​

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That means we don’t receive commissions or kickbacks for recommending certain products. Our only incentive is to do what’s right for you. We work on a fee-for-service model so our advice is clear, unbiased, and always in your best interest — no hidden agendas, ever.​

UNLESS is led by two of Australia’s most trusted ethical financial advisers.​

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Dave Rae and Justin Medcalfe have been guiding values-led financial planning for over 20 years. ​

We sponsor the national Impact Investment Summit and partner with leaders across climate, social justice, and regenerative finance — so our advice reflects not just where the world is, but where it’s going. ​

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You're supported by a team that’s experienced, respected, and deeply committed to doing what’s right.