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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.

How we help

A flowchart illustrating four steps for financial planning: 1. Get to know you and us, 2. Understanding your full story, 3. Designing your financial plan, 4. Putting your plan into action.

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.

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Circular diagram with a green section labeled 'Phase 1' and a larger light blue section surrounding a black circle.

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.

Color-coded circular chart with segments labeled 'Phase 2' in yellow, smaller segment in black at the center, and the rest in light blue.

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

A circular diagram with three segments labeled 'Phase 3.' The segments are in shades of blue and gray, with the smallest segment labeled 'Phase 3' in white text.

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.

Diagram illustrating a four-phase process with a circular arrow, labeled 'Phase 4', indicating progression or cycle. The diagram features shades of blue and black, with a central black circle.

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

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    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.

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    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.

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    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.

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    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.

  • Icon of a checklist with two checked items on a light blue background.

    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

  • Ethical investing is about making sure your money reflects what matters most to you.

    For some people that means avoiding industries that cause harm like fossil fuels, tobacco or weapons. For others it’s about actively supporting companies working on solutions, from renewable energy to better healthcare or sustainable food systems.

  • It usually starts with a simple question: what matters most to you?

    Some people are motivated by climate action, others by social justice, healthcare, education, or responsible business practices. Understanding your priorities helps guide the kinds of investments that may feel right.

    From there, we design a diversified investment strategy that balances your values, financial goals and time horizon so your money is working for both your future and the world around you.

  • It’s a common concern and thankfully the answer is no.

    Ethical investing isn’t about choosing between strong financial outcomes and doing the right thing. In many cases, companies that are managing environmental and social risks well are also building more resilient businesses for the future.

    Our role is to design a thoughtful, diversified investment strategy that supports your long-term financial wellbeing while staying aligned with your values.

  • Making your super more ethical can involve understanding what your current fund is invested in, choosing options that avoid harmful industries, or exploring funds that actively support positive environmental and social outcomes.

    We help clients look under the hood of their super, understand where their money is going, and explore options that better reflect their values, while still supporting their long-term retirement goals.

  • Every investment we consider is carefully assessed for both financial strength and environmental or social impact. We look beyond marketing claims to understand how companies actually operate, what they produce, and how they contribute to positive outcomes.

    Where possible, we prioritise transparency, strong impact reporting, and managers with a clear commitment to responsible investing, so you can feel confident your money is supporting real change, not just clever branding.

  • Ethical investing focuses on aligning investments with your personal values.

    ESG investing looks at environmental, social and governance factors when assessing companies.

    Impact investing goes a step further by intentionally investing in opportunities designed to create measurable positive outcomes alongside financial returns.

  • Many of our clients are approaching retirement and want clarity and confidence about the next stage of life. Others are professionals who care deeply about how their money is invested and want to align their wealth with the kind of world they’d like to see.

    What they share is a desire for thoughtful advice, long-term perspective, and investments that feel aligned with what matters most to them.

  • A good financial adviser helps you step back and see the bigger picture. Rather than focusing on one decision at a time, they help you connect the dots between your investments, super, retirement plans and life goals.

    For many people, the real value isn’t just investment advice. It’s having a clear plan, thoughtful guidance, and someone in your corner as life evolves.

  • Our relationship starts with a conversation so you can decide if working together feels right. If you choose to move forward, we’ll clearly outline the advice we’re providing, the fees involved, and the support you can expect.

    Many clients choose to continue working with us over the long term because they value the guidance and ongoing relationship, but the choice is always yours.

  • The cost of financial advice varies depending on the type of advice and the complexity of your situation.

    At UNLESS, we believe transparency matters. We’ll always be upfront about our fees, explain exactly what’s included, and make sure you feel comfortable before moving forward.

  • A good place to start is checking that your adviser is properly licensed and operates under an Australian Financial Services Licence. Just as importantly, look for advisers who are transparent about how they’re paid and who take the time to understand your goals and values.

    Ultimately, trust grows through conversation. You should feel comfortable asking questions and confident the advice you’re receiving is clear, honest and in your best interest.

  • While many advisers focus mainly on investment performance, our approach combines thoughtful financial planning with ethical and impact investing. That means looking at the full picture, your life goals, your values, and the role your money can play in shaping the future.

    We’re proudly independent, a certified B Corporation, and operate on a fee-for-service model, so our advice is clear and unbiased.

    Our advisers are also certified by the Responsible Investment Association Australasia (RIAA), reflecting our commitment to responsible and ethical investing.

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)

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