Our services

Explore the range of services we offer to help you grow your wealth, invest ethically, and make confident financial decisions throughout life.

Ethical & impact investing

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    Ethical investing strategy

    We design investment portfolios aligned with your values, goals and time horizon. We assess funds and companies for both financial strength and genuine environmental and social impact.

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    Impact investing

    We help you explore opportunities that intentionally generate positive environmental or social outcomes alongside financial returns, from renewable energy to innovative social enterprises.

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    Shareholder activism

    We empower you to use your shareholder voice by supporting shareholder engagement and advocacy, so your capital can encourage companies to act on climate, human rights and responsible governance.

Superannuation, wealth & retirement

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    Superannuation strategy

    We help you with contribution strategies and ethical investment options so your super supports both your retirement and your values.

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    Wealth creation

    We build long-term financial security through diversified investments, thoughtful structures and a strategy designed to grow with you over time.

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    Retirement planning

    We help you plan for a retirement shaped by choice, not compromise. Together, we map out how much you’ll need, where your income will come from, and how to structure your finances so they support the life you want after work.

Legacy, philanthropy & life decisions

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    Philanthropy & giving

    We help you develop thoughtful giving strategies that support the causes you care about while considering tax, governance and long-term impact.

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    Estate & legacy planning

    We help you put plans in place so your wealth is passed on in a way that reflects your wishes and supports the people and communities you care about.

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    Family wealth strategy

    We help families bring clarity and structure to shared financial decisions — from supporting children and grandchildren to planning for the future across generations.

  • Major life decisions

    Life’s biggest moments often come with big financial choices. We help you navigate decisions such as downsizing, gifting, career changes or major purchases with confidence and clarity.

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.