What to expect from our advice experience

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.

Phase 1

Getting to know us and you

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.

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

Phase 2

Getting to know us and you

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 60-minute goals and values session

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

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

Phase 3

Tailored plan unique to you

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.

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 summary — helping you move forward with confidence

Phase 4

Full implementation

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 this involves

  • Full implementation of strategic recommendations

  • Portfolio monitoring

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

What to expect

  • Advice that deeply cares for your life

    We don’t just offer advice – we listen, understand, and guide with genuine care for your unique story and needs. 

  • Intentional, tailored support

    Every recommendation is thoughtfully made, grounded in what matters most to you – never off the shelf. 

  • Built around your life rhythms

    We know life gets full, and it isn’t linear. That’s why we’ve designed our process to flow with your pace, not disrupt it. 

  • Always within reach

    We set up a shared channel so you can reach us anytime – expect thoughtful replies within 24 hours. 

  • Plain language, always

    Financial advice shouldn’t feel like a puzzle. We’re intentional about making every step clear, simple, and jargon-free.

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.