How we help

The way we direct money today shapes the world we’ll live in tomorrow.

At UNLESS Financial, we help you make big financial decisions with clarity, purpose, and confidence.

We combine whole-of-life planning with a values-driven approach — meeting you where you are, understanding what matters most, and building a financial strategy that evolves with you.

Our advice covers every stage of the journey, from building wealth and optimising super to creating retirement income, planning your legacy, and making big life decisions. Along the way, we bring ethical and impact investing to the table in a way that’s simple, transparent, and backed by deep expertise.

You don’t have to choose between purpose and performance. We design strategies that deliver for you financially while creating real, measurable change for the world around us.

Now is the time to act — because where your money goes, the future follows.

Our Advice Process

We begin with a gentle, no-strings conversation. This is a chance for us to meet, understand what’s on your mind, and see if financial advice feels like the right next step for you.

Getting to know us and you

What this involves

  • 20-minute discovery call — explore what support could look like

  • A short pre-survey — so we can make the most of our time together

We begin with a gentle, no-strings conversation. This is a chance for us to meet, understand what’s on your mind, and see if financial advice feels like the right next step for you.

Understanding your full story

Before offering any advice, we take the time to understand your values, goals, and financial situation in detail. This ensures everything we recommend is built around what matters most to you.

What this involves

  • A 50-minute goals and values session

  • Signing a Letter of Engagement — only when you’re ready

  • Gathering key financial information — we’ll guide you through it

Designing your financial plan

What this involves

  • A Strategy Session (60–90 mins) — exploring your options and next steps

  • A Statement of Advice (SOA) meeting — a formal plan that aligns your money with your values

  • A clear, written action plan — helping you move forward with confidence

Here’s where we design a tailored plan that reflects your values, supports your life goals, and helps your money work with purpose. Every recommendation is clear, intentional, and free of jargon.

Putting your plan into action

What this involves

  • Full implementation of strategic recommendations

  • Portfolio monitoring

  • Regular reviews and ongoing strategic advice — helping you stay on track

Many clients choose to stay connected after the initial advice is delivered. We're here for the long-term — offering thoughtful guidance, regular check-ins, and space to adapt as your life evolves.

What to expect

  • Advice that deeply cares for your life

    We don’t just offer advice – we act with care, empathy, and integrity. Every step is shaped by a genuine commitment to your wellbeing and what matters to you. As an independent firm, our only loyalty is to you – not banks, insurers, or fund managers.

  • Intentional, tailored support

    You’re not a template – and your advice shouldn’t be either. We take the time to truly understand your values, goals, and circumstances, so every recommendation fits you – not just someone like you.

  • Built around your life rhythms

    Life doesn’t move in straight lines – and advice shouldn’t either. We created a dedicated chat space for each client, so you can reach us easily, on your terms. Expect thoughtful replies that move at your pace, not ours.

  • Ethical and Impact Investing, done right

    For over a decade, our advisers have led in ethical and impact investing. We stand with you on the issues that matter, using our collective influence to create real-world change while meeting your return goals.

  • Plain language, always

    Financial advice shouldn’t feel like a puzzle. We tailor our communication to your level – no jargon, no assumptions. We’re here to ensure you truly understand your advice, not just nod along

Frequently Asked Questions

  • 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.

    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.

    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.

    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.

    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.

    Dave Rae and Justin Medcalf 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.

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

Contact us

Sydney / Gadigal
Level 11, 65 York Street, Sydney NSW 2000

Melbourne / Naarm
11-15 Albert St, Richmond VIC 3121

Canberra / Ngunnawal
100 Wakefield Gardens, Ainslie ACT 2602

Phone: 1800 UNLESS (865 377)